Stablecoin payments, payment orchestration, and bank readiness depend on connected systems and clear operating responsibilities. Tedd Huff, CEO of fintech advisory firm Voalyre and founder of Fintech Confidential, joins Alacriti’s Manish Gurukula, CEO and co-founder; Mark Majeske, SVP of Faster Payments; and Divyarani Raghupatruni, Senior Director of Product, Data, and Orchestration. Their expertise spans cross-border services, product strategy, and the development of the RTP network.
Banks are asking how stablecoins fit alongside ACH, wires, RTP, and FedNow. Wallet screening, custody, settlement, and customer demand bring decisions that reach compliance teams, treasury managers, and CFOs. The practical focus is adding capabilities through consistent controls and operations, with readiness work informing investment and partner choices.
Takeaways
1️⃣ Check recipient risk across banks to identify gaps in sender and receiver screening.
2️⃣ Test payment entry points across consumer, small-business, and commercial channels.
3️⃣ Prove custody access can be revoked when credentials are compromised.
4️⃣ Separate payment support from issuance before assigning responsibilities.
5️⃣ Budget beyond the first use case with a staged infrastructure investment plan.
Links
Guest
Manish: https://www.linkedin.com/in/manish-gurukula-9343a91
Mark: https://www.linkedin.com/in/mark-g-majeske-6330502
Divya: https://www.linkedin.com/in/divyarani-r
Company
Alacriti: https://www.linkedin.com/company/alacriti-inc
Fintech Confidential
Newsletter: https://fintechconfidential.com/access
LinkedIn: https://www.linkedin.com/company/fintechconfidential
Instagram: https://www.instagram.com/fintechconfidential
Facebook: https://www.facebook.com/fintechconfidential
Supporters
Alacriti: Payment technology and orchestration for financial institutions; explore its services https://www.alacriti.com/. Presented in partnership with Alacriti.
This is a Production of Diamond D3, Media
ABOUT:
Guests
Manish leads Alacriti’s strategy, business development, and growth. His experience includes payment solutions for HSBC and money transfer development for Western Union.
Mark leads faster payments strategy and Orbipay Payments Hub product development. He helped design, develop, and launch the RTP network at The Clearing House.
Divya leads product strategy for stablecoins, faster payments, and data. Her background includes Block and cross-border payment products at Transfast, which Mastercard acquired.
Company
Alacriti provides payment and money movement technology for financial institutions and businesses. Its Orbipay suite includes payment orchestration, bill payments, and loan payment services.
Host
Tedd Huff: Tedd Huff is the Co-Founder of Voalyre, and the President & Founder of Diamond D3, a professional services consulting firm focused on global payments and marketing. He is also a video podcast host and producer of Fintech Confidential.
Over the past 25+ years, he has contributed to FinTech startups as an Advisory Board Member, Co-Founder, and Chief Experience Officer, providing strategic and tactical direction for Global Payments OpenEdge, Heartland Payments, Nuvei, and TSYS, among others, focusing on growth while delivering innovation, process improvements and user experience-driven value to simplify the complexity of payments.
Diamond D3, Media: A media creation, management, and production company delivering engaging content globally
Chapters:
00:00 Highlights
02:08 Financial and Regulatory Caution
02:38 Stablecoin Readiness
03:30 Fragmented Payment Systems
05:48 Lessons From RTP
06:34 Payment Orchestration
08:22 Bank Implementation Demand
11:14 Stablecoins and Tokenized Deposits
12:14 Payment Approval Decisions
13:49 Infrastructure and Compliance
15:45 Settlement and Prefunding
17:26 Cross-Border Opportunities
18:47 Instant Payment Fraud Controls
19:58 Custody Models
22:01 Programmable Payments
24:33 The Cost of Waiting
28:23 Deposit Funding Example
29:23 Customer Needs and Business Cases
31:26 Readiness Assessment
32:00 Ownership and Partner Decisions
33:25 Ongoing Operating Costs
34:37 Adoption Uncertainty
36:35 Strategic Priorities
37:08 Closing and Partnership Acknowledgment
37:36 Disclaimer
