$314B in stables is live, with Ethereum and Tron carrying about $245B of that float, but the enterprise bottleneck is still boring ops: reconciliation, compliance, and getting on-chain dollars posted into a bank ledger. FV Bank already advertises USDC, USDT, and PYUSD deposits that auto-credit as USD; wrapping that with virtual account numbers, Visa cards, and APIs moves stablecoins into the CFO workflow instead of leaving them as treasury inventory. Stripe/Bridge, BVNK, and bank-native players are all converging on the same margin pool: ledger mapping, payout controls, and 24/7 settlement that finance teams can actually close.

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