u/Timely-Engine9585

Currently running an agency, with around 200 people on payroll, plus 60 active contractors across 30 countries. We do enterprise B2B work and project-based contractors are usually senior specialists getting paid between $40k and $200k per engagement. What we've tried so far for the contractor side: 1.Rippling for the W2 portion. Works but I pay through the nose for it. 2. Wise for the contractor payouts but have some issues where contractors in Ghana literally cannot receive Wise transfers anymore because of some change last year. 3. Paypal, briefly, but won't even start on it. Actually quite many contractors now ask me to pay in stablecoins. So I started to explore but nervous about the AML side and I don’t really want to touch it but it feels inevitable. Any experiences with it?

Distributor here, Been importing automation components and electronics from Germany and Taiwan for over a decade, with shipments running $30k to $250k each. Wire fees creeping up year over year and our Taiwan suppliers are getting fed up with the 4 to 5 day clearing lag holding up their production runs. For other distributors at this size... what's actually working at your shop right now?

APAC invoices sit too long and the FX leg eats margin every quarter. Floated stablecoin acceptance and got the same answer back from treasury (counterparty risk), audit (GL treatment), and legal (licence jurisdictions). For the finance teams here who actually got a yes... What was the framing that you finally cleared all three?