Wellspring

If your company holds digital assets, one question is more important than any headlines about hacks or exchange failures: Who holds the keys❓ In digital finance, custody is not just a technical detail; it is a key governance decision that influences capital control, treasury resilience during stress, and counterparty risk. In this article, we break down why self-custody is becoming a strategic choice for businesses, how it reduces structural risk, and what effective operational design looks like when security is prioritized as a fundamental infrastructure element, not just a marketing tool.

Where does real on-chain yield come from? In the latest episode of the Wellspring Hardworking Money Podcast, our co-founders, Andrey Chabanov and Trevor Hoffman, sit down with the team from HypurrFi to explain how DeFi lending works and what overcollateralized lending truly means. If you want a clear understanding of how DeFi lending functions, this episode is a must-listen. Check out the link to the clip in the comments.

Thanks sharing Stablecoin Insider !

Is your business letting capital sit idle? At Wellspring, we believe treasury management should do more than just preserve capital; it should also generate value. This article discusses how businesses can earn yields on idle funds through transparent, overcollateralized on-chain markets, all while maintaining liquidity and operational flexibility. Modern treasury management focuses on capital efficiency, not just storage. Read the full article below. #Wellspring #TreasuryManagement #CapitalEfficiency #Fintech #Stablecoins #DigitalAssets #SMB #LiquidityManagement

How Businesses Send and Receive International Currencies With Wellspring Many businesses still manage international payments like it’s 2008: multiple banking partners, slow settlement cycles, unclear currency conversion fees, and spreadsheets to track what’s actually available to spend. Wellspring simplifies this process by providing a platform for businesses to collect, hold, convert, and pay in various currencies, while also allowing them to earn interest on treasury balances. Here’s how it works in practice: 1) Get Local Collections Without the Need for Local Entities  Wellspring offers permanent virtual accounts, enabling businesses to receive payments like domestic vendors. Currently supported methods include: ▪️ United States Dollars: ACH, bank wire transfers, and SWIFT. ▪️ Euros: SEPA Credit and SEPA Instant payments (where available). ▪️ Mexican pesos: Payments are facilitated via the Sistema de Pagos Electrónicos Interbancarios (SPEI). ▪️ Brazilian Reais: Payments can be received through the Pix system. ▪️ British Pounds: Available through Faster Payments (in beta). More currencies are on the horizon, including Indian rupees, UAE dirhams, Hong Kong dollars, Colombian pesos, and Argentine pesos. 2) Convert only when it makes sense Funds can remain in fiat or be converted to stablecoins like USD Coin and Tether, based on cost, liquidity, and speed. The platform streamlines treasury management by consolidating both bank and stablecoin transactions into a single control layer. 3) Pay globally with the right rail Outbound payments can utilize various rails, such as SWIFT for cross-border transactions, SEPA for the Eurozone, ACH or Fedwire for U.S. transfers, and local options like SPEI and Pix, reducing payment failures and manual tracking. 4) Run treasury without extra complexity Wellspring offers an opt-in qualified custody, allowing businesses to earn market-driven yield on idle balances while maintaining governance and control. Interested in learning how you can optimize your treasury solutions? Reach out to Trevor Hoffman to schedule a call.

Wellspring is at ETH Denver this week meeting with fintechs, startups, and crypto companies looking to modernize their treasury and payment infrastructure with stablecoins. Reach out to Trevor Hoffman to meet with our team!

Check out the latest article from Wellspring. This article explains how Wellspring modernizes treasury by combining fiat rails with stablecoin rails within a single workflow. Learn how this approach helps treasury teams streamline liquidity, payments, and yield with a unified view of capital, same-day access, and no lockups. Read the full article below. #Treasury #Stablecoins #Fintech #Payments #Liquidity

Treasury management is vital for any business. It’s often mistaken as mere cash tracking and spreadsheets, but it’s much more. It directly controls liquidity, the lifeblood of your company. You might have revenue and customers, and your model might look profitable, but if cash flow timing falters, everything can collapse. At a high level, treasury management sits on three pillars: 1) Liquidity: It's crucial to have the right amount of cash available at the right time. Treasury teams evaluate if there's enough cash for payroll, invoices, taxes, debt payments, and operations. They track cash locations, inflows, and outflows and determine necessary safety buffers. Effective cash-flow forecasting is vital to prevent operational stress. 2) Risk Management: Identifying disruptions to cash flow is essential. Key risks include: ▪️FX risk: Currency swings impacting margins in global operations. ▪️Interest rate risk: Rising rates increase borrowing costs. ▪️Counterparty risk: Over-concentration of cash in one institution. ▪️Operational risk: Delays from banking cutoff times, payment failures, or system outages. Treasury teams implement controls such as policies, diversification, contingency plans, hedging, and constant monitoring. 3) Capital Efficiency: The goal is to ensure cash doesn’t sit idle, as this leads to missed yields, growth opportunities, and flexibility. Too much idle cash creates inefficiency, while too little liquidity risks financial fragility. Funding Strategy Is Part of Treasury When companies seek capital, treasury focuses on shaping the funding strategy. Short-term requirements differ from long-term ones. While funding costs matter, consider flexibility, maturity structure, refinancing risk, operational constraints, and overall financial stability. Stablecoins are becoming a serious treasury tool Bloomberg reported that global stablecoin transaction value totaled $33 trillion in 2025, up 72% from the previous year. USDC accounted for $18.3 trillion in transactions, signaling accelerating institutional adoption. In parallel, major banks are moving further onto blockchain rails. In 2025, JPMorganChase announced the launch of JPMD, a permissioned, stablecoin-like deposit token for institutional clients. However, stablecoins don’t replace treasury fundamentals. Liquidity planning, risk controls, governance, approvals, counterparty diligence, and auditability still matter. The key differences are in speed, programmability, and availability. The Wellspring Lens At Wellspring, we see treasury as the command center of the business: keep liquidity ready, risk contained, and capital working. The goal isn’t flashy strategies but stability that works day to day. A strong treasury ensures the business can pay, move, and plan even when conditions change overnight. For finance and fintech teams: where does treasury still feel hardest today? Cash visibility? Payment speed? Making idle cash productive without adding complexity?

If you haven’t checked out our latest Podcast series yet, make sure you watch Episode 1 of the Wellspring: Hardworking Money podcast. Our co-founders, Andrey Chabanov & Trevor Hoffman, break down why we built Wellspring and how we’re helping everyday Americans earn more on their savings. Link to episode in comments below!

Wellspring wasn't built to just be another fintech app. We built it for hardworking people who deserve more from their money and savings. Watch a clip of Wellspring's co-founder/CEO, Andrey Chabanov, giving an overview on Wellspring!