The global crypto market has once again experienced a "terrifying moment" in the past two weeks.
Due to the "black swan" event of macro tariffs triggering leveraged liquidations, the price of Bitcoin plummeted from a high of $126,000 to $107,000 in just a few weeks, with a fluctuation of more than 15%. The market value of stablecoins also evaporated by more than $100 billion. The chain reaction affected stablecoins, derivatives and liquidity pools, and market panic soared.
At the same time, the combination of macroeconomic and policy factors has put businesses under dual pressure:
- The Federal Reserve’s Payments Innovation Conference focused on stablecoins, tokenization, and AI finance, marking the first time regulators have formally incorporated these emerging topics into policy discussions.
- The escalating trade and technology frictions between China and the United States have further exacerbated the uncertainty of cross-border capital flows and settlements.
These factors all point to a trend: under the influence of geopolitics, macroeconomic policies and other factors, market volatility has become the norm, and companies' ability to manage funds is facing unprecedented challenges . The efficiency and resilience of cross-border, multi-chain and multi-market flows are becoming key capabilities for companies to maintain continuous operation.
II. From "Stability" to "Agility": A Shift in Corporate Financial Management Thinking
In the past, the key word for many companies' finances was "stability"—cash flow security, account balance, and controllable settlement efficiency. Today, the key to surviving volatile cycles is "agility."
The so-called agility of funds is not just about being able to "allocate funds," but about maintaining the continuity of payments and settlements even amidst on-chain congestion, price fluctuations, and regulatory changes.
As McKinsey stated in its " Global Payments Report 2025," the global payment system is shifting from a single-track to a multi-track system: instant payments, stablecoins, tokenized deposits, and traditional card networks coexist. This fragmentation of the payment system is forcing companies to build new cash management logics; otherwise, they may be at a disadvantage in terms of capital efficiency and cost control.
III. Capital Agility: A New Core Competency in Corporate Finance
Financial agility is essentially a company’s ability to maintain operational continuity and flexibility during volatile cycles.
In serving numerous Web3 enterprises and institutions, Interlace has observed a growing emphasis on "liquidity"—the ability to flexibly move funds across different chains, currencies, and settlement networks. As an innovative financial platform bridging Web2 and Web3, Interlace helps enterprises securely, automatically, and compliantly manage funds amidst the volatility of multiple chains, currencies, and markets by providing global accounts, MPC wallets, fiat-to-cryptocurrency exchange, card issuance, CaaS APIs, and an embedded KYT/KYC/KYB risk control system. This capability is manifested in three dimensions:
- Multi-channel fast switching
When a chain becomes congested, a stablecoin becomes de-pegged, or a payment channel becomes restricted, the system can automatically identify the risks and immediately switch to a backup chain or other stablecoin channels to ensure uninterrupted settlement. - Flexible scheduling of multiple accounts and currencies
The system supports flexible fund allocation across multiple accounts and currencies based on real-time transaction volume, clearing needs, and exchange rate fluctuations, helping enterprises maintain efficient capital utilization in a multi-chain system. - Compliance and audit traceability
While frequently scheduling, the system can maintain complete compliance records and audit trails to meet the regulatory requirements of different jurisdictions and achieve "fast but not chaotic" results.
These capabilities enhance a company's daily operations. For example, consider companies using Interlace services:
- Rapid Switching Between Multi-Chain Payment Channels: When facing public chain congestion and soaring gas fees, Web3 payment companies often experience transaction delays or even user churn if they cannot switch settlement channels in a timely manner. During a period of severe market volatility, one Web3 institution significantly improved settlement efficiency and reduced business risks associated with market fluctuations by utilizing Interlace's intelligent routing and multi-chain settlement system.
- Interlace's "Multi-track Adaptive" Cross-border Settlement: A global company operating simultaneously in the Asia-Pacific and US markets utilizes Interlace's multi-currency accounts and multi-chain wallet system to instantly switch to stablecoin settlement channels when local channel exchange delays occur, achieving seamless integration of cross-currency and cross-border settlements.
IV. Building Corporate Financial Resilience Amidst Volatility
From "stability" to "agility," the paradigm of corporate finance is undergoing a profound shift. In an era of normalized volatility, companies are competing not only on the speed of revenue growth but also on the speed of their financial response and systemic resilience in the face of unforeseen events. As McKinsey points out, with the fragmentation and intelligence of payment systems coexisting, whoever can keep funds agile and controllable in complex networks will find new certainty amidst uncertainty.
Interlace is committed to providing enterprises with cross-chain, multi-currency, compliant, and secure fund management capabilities, enabling them to maintain certainty of action amidst volatility and build true financial resilience. Fund agility will become a core indicator of next-generation corporate finance—it represents not only efficiency but also an enterprise's survivability and competitiveness in uncertain times.
