FXC Intelligence and SUNRATE jointly released the White Paper on Global B2B Payments.

Recently, SUNRATE, a global payment and treasury management service provider, announced at the Singapore FinTech Festival 2025 that it has jointly released the latest white paper on the transformation of the global B2B payment experience with FXC Intelligence, an authoritative media and research institution in the B2B payment field. The report points out that corporate payments are gradually entering the era of automation. With the evolution of technologies such as artificial intelligence (AI) and blockchain, the payment experience of global enterprises is being reshaped.

According to the forecast of FXC Intelligence, by 2032, the scale of the B2B cross - border payment market will reach $47.8 trillion, with an expected compound annual growth rate (CAGR) of 5.3% during this period. Among them, the proportion of service trade in the total payment transaction volume will reach 27%.

"Technology is rapidly reshaping the B2B payment experience, but this does not mean that existing payment technologies will be eliminated," said Paul Meng, co - founder and CEO of SUNRATE. "Our goal is to integrate traditional and innovative technologies within a trusted regulatory framework to provide enterprises with an integrated global payment experience."

Daniel Webber, founder and CEO of FXC Intelligence, added: "In the past few years, we have witnessed many hyped technologies, but artificial intelligence and blockchain are among the few technological directions that are expected to have a continuous impact on cross - border payments."

Core Insights of the White Paper

AI Enters the "Efficiency Phase"

Early forms of AI technology have been applied in cross - border transactions for a long time, especially in areas such as customer identity verification and fraud prevention. With the breakthrough development of emerging technologies such as generative AI, large language models (LLMs), and AI agents, AI capabilities are experiencing a qualitative leap. Currently, in areas such as treasury management, risk control, and marketing, AI can help enterprises achieve a 2 - to 3 - fold increase in efficiency.

• Accelerated Corporate Intelligence Process: By introducing AI tools, enterprises can build a unified information source for employees, achieve intelligent responses to business inquiries and product support, reduce operational burdens, and ensure the consistency and accuracy of information within the organization. Similar intelligent practices have formed a scale effect in industries such as finance, law, and consulting, demonstrating wide applicability.
• Empowering Customer Service and Analysis: By deploying applications such as AI virtual assistants, enterprises can provide real - time and accurate front - line business support to customers. At the same time, AI also shows great potential in the field of data analysis, which can accurately identify long - term trends from a large amount of consultations and drive continuous optimization of product configuration based on market demand.
• Enhancing Security, Risk Control, and Operational Efficiency: The application of AI in risk control, compliance, and anti - fraud is also deepening continuously, such as achieving more accurate fraud monitoring and proactive early warning. At the same time, through intelligent routing and link optimization, AI empowers enterprises to improve payment speed and automatically update progress through natural language generation technology, comprehensively enhancing business transparency.
• Development of Agentic Payments: Currently, the industry focus is still on using AI to optimize the processes after manually initiated payments, but the key emerging trend is "agentic payments": this technology authorizes AI to independently identify and initiate payments in complex task scenarios, such as purchasing supplies, booking business trips, or executing projects.

Blockchain Applications Go Beyond Currency

From on - chain KYC verification, to tokenized deposits issued by banks, to blockchain - based reconciliation systems - this distributed ledger technology is expected to completely eliminate month - end reconciliation differences and provide a single trusted source for the entire payment lifecycle.

Intelligent Treasury Management: From Transaction Execution to Comprehensive Supervision

The core of future treasury management is supervision, not operation.

"In the past, in many markets, it often took five to seven days to receive payments. Now, T + 1, T + 0, or real - time settlement has become a basic expectation, rather than a differentiating advantage," said Jonathan Wang, head of corporate development at SUNRATE. The white paper also outlines a forward - looking scenario: the financial director only needs to issue instructions to the AI assistant, and the system can independently select the payment channel, confirm the exchange rate, and synchronize the transaction confirmation through the blockchain ledger within a few minutes.

SUNRATE Continues to Lead Global Payment Innovation

Relying on its leading self - developed platform, extensive global network, and powerful API capabilities, SUNRATE has helped enterprises conduct business in more than 190 countries and regions. The white paper also elaborates on SUNRATE's strategic layout in AI - driven payment infrastructure and shows its grand blueprint of integrating the traditional payment system and digital payment technology into a unified global financial architecture.