Notabene has introduced Notabene Flow, an open stablecoin payments platform designed for high-value cross-border business transactions, aiming to integrate traditional finance’s trust infrastructure into crypto rails.
The global B2B payments market is valued at $120 trillion, yet stablecoins account for only 0.03% of this volume, despite offering faster and more efficient transactions. This limited adoption is attributed to the current crypto rails’ lack of essential trust infrastructure, which includes capabilities such as coordination, authorization, invoicing, and dispute resolution. Without these mechanisms, businesses face challenges in preventing fraud, blocking illicit activities, and managing payment reversals, often restricting stablecoin businesses from the broader B2B market or limiting them to one-way, push-only payments.
Notabene Flow addresses these limitations by providing the missing payment coordination and authorization layer for crypto rails. The platform introduces features such as pull payments, recurring subscriptions, and compliant multi-party payment flows. These functionalities are built upon the Notabene Network, which is described as the world’s largest regulated crypto network, operating across more than 100 jurisdictions and processing over $5 billion in transaction volume daily through its network of over 2,000 regulated entities, handling an annual volume exceeding $1.5 trillion.
Anoosh Arevshatian, Chief Product Officer at Zodia Custody, emphasized the importance of compliance and trust for institutional clients. Arevshatian stated, “At Zodia Custody, compliance and trust aren’t optional—they’re the foundation of how we operate. Our institutional clients demand the same. That’s why we value working with partners like Notabene, who embed instant counterparty trust into every transaction. With Notabene Flow, we see a meaningful opportunity to expand stablecoin payments in a way that meets the highest standards of security and interoperability, while opening new corridors for growth across the digital asset economy.”
Notabene, having previously focused on cross-border Travel Rule compliance, is now leveraging its compliance core for revenue generation through Notabene Flow. The platform’s open-loop network and transparent economic model incentivize verified participants with revenue-sharing on stablecoin-powered transactions, reduced operational overhead, and lower compliance costs. This approach is intended to foster adoption and contribute to the sustainable growth of B2B stablecoin payments globally.
Pelle Braendgaard, CEO of Notabene, highlighted the potential of stablecoins to transform B2B payments. Braendgaard commented, “Cross-border B2B payments have always been slow, expensive, and complex. Stablecoins are the first real opportunity to change that—but these high-value payments need a trust framework to succeed at scale. Notabene Flow delivers that framework, giving businesses the ability to run trusted, compliant payment flows with the efficiency of stablecoins and the reliability they expect from traditional finance.”
Notabene Flow offers immediate operational value through a single API integration, enabling Travel Rule–compliant, multi-party B2B payment flows. This integration provides businesses with instant access to an established and trusted global network, combining regulatory certainty with the flexibility inherent in stablecoin and digital-asset payments.
Ben Reid, Head of Stablecoins at Bitso, noted the role of stablecoins in the future of financial infrastructure. Reid said, “At Bitso, we have seen firsthand how stablecoins are a foundational layer for the next evolution of financial infrastructure, particularly in Latin America. But in addition to the value layer provided by stablecoins and the movement layer enabled by blockchain, an interoperability and compliance layer is required to fully bring this evolution to the most demanding institutional payment flows. Notabene addresses this directly with Notabene Flow, and building on a trusted existing network that provides the necessary layers of security and transparency is crucial for Bitso’s growth strategy in cross-border business payments.”
The platform enhances entity verification through a partnership with the Global Legal Entity Identifier Foundation (GLEIF), anchoring verification to the internationally recognized LEI standard. As of mid-September 2025, the Global LEI Index reported over 3.05 million LEIs issued worldwide, with approximately 2.85 million active. This standard allows institutions to implement customized, policy-based workflows aligned with their risk tolerance and jurisdictional requirements, thereby strengthening compliance and facilitating scalable growth.
Notabene Flow operates as an open-loop network, built on the Transaction Authorization Protocol (TAP), an open messaging standard designed to enable secure transactions among verified participants. This open-loop design avoids restrictions on assets, blockchains, jurisdictions, or membership tiers. Standardized messaging across the ecosystem facilitates trusted payment coordination with integrated Travel Rule compliance, aiming to eliminate the need for separate entities, licenses, or bilateral agreements. TAP is positioned as providing a common language for transaction authorization in the digital asset economy, akin to SWIFT’s role in standardizing financial messaging for banks.
Kevin Lehtiniitty, CEO of Borderless, emphasized the importance of open standards for mass adoption. Lehtiniitty stated, “As the first and one of the largest stablecoin payment networks, we believe mass adoption requires open standards – not additional walled gardens that create more fragmentation and slow growth. Companies already face a patchwork of providers, regulations, and jurisdictions, and the limits of push-only payments are clear. Having rolled out our network with leading stablecoin providers across 70+ countries, including Bridge, Bitso, and Yellow Card, we have seen firsthand the need for pull and recurring payments. We’re excited to partner with Notabene Flow to make this possible across our global on- and off-ramp network.”
Notabene Flow leverages the established Notabene Network, which has been operational for over five years, trusted by more than 240 institutions to process multi-party transactions with straight-through processing rates exceeding 85%. With this launch, Notabene positions itself as a trust layer for global money movement, expanding beyond compliance to enable trusted, interoperable transactions across stablecoin rails. Businesses interested in joining the network can do so at notabene.id/flow. Notabene, headquartered in New York with operations in Switzerland, Singapore, Germany, and the United Kingdom, is SOC-2 certified and ISO27001 compliant, providing tools for stablecoin payments, real-time transaction authorization, counterparty sanctions screening, and self-hosted wallet identification, trusted by companies including Copper, Luno, Crypto.com, and Bitstamp.
