Stablecoins proved their staying power in 2024, processing $30 trillion in transactions, a staggering leap that rivals Visa’s $13 trillion and dwarfs PayPal’s $1.6 trillion, according to data from Visa and Artemis. But while stablecoins showcase demand for faster, more efficient payments, their adoption has also highlighted gaps in infrastructure and regulatory clarity.

Google Cloud’s Universal Ledger (GCUL) is aiming to fill that void. Positioned as an upgrade to the financial system rather than a replacement, GCUL provides institutions with a programmable ledger for managing money and digital assets. Accessible via a single API, it supports multi-currency operations, automates payments, and integrates directly with wallets, all without the complexity of building new infrastructure.

Unlike public blockchains, GCUL is private and permissioned, designed with compliance at its core. It offers KYC-verified accounts, predictable transaction fees, and the security of Google’s cloud infrastructure. For banks and intermediaries, this means lower operational costs, fewer reconciliation headaches, and reduced fraud risk.

Perhaps most significantly, GCUL extends beyond payments. Its atomic settlement capabilities allow instant exchange of assets, such as bonds or funds, while minimizing counterparty risk and unlocking new liquidity in capital markets.

By marrying the programmability of blockchain with the trust of regulated banking, Google Cloud is positioning GCUL as a bridge to the next era of finance: always-on, global, and built for both institutions and their clients.

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