When volatility becomes the norm, financial agility becomes a new competitive advantage for enterprises

In the past two weeks, the global cryptocurrency market has once again experienced a "moment of panic."

Due to a macroeconomic "black swan" triggered by tariff issues leading to leveraged liquidations, the price of Bitcoin plummeted from a high of $126,000 to $107,000 in just a few weeks, with a volatility exceeding 15%. The market capitalization of stablecoins also evaporated by over $100 billion, causing a chain reaction that affected stablecoins, derivatives, and liquidity pools, resulting in heightened market panic.

At the same time, the combination of macroeconomic and policy factors has put enterprises under dual pressure:

• The Federal Reserve's payment innovation conference focused on stablecoins, tokenization, and AI finance, marking the first time that regulators have formally included these emerging topics in policy discussions;
• Ongoing escalation of trade and technology frictions between the U.S. and China has further exacerbated the uncertainty surrounding cross-border capital flows and settlements;

These factors collectively point to a trend: under the influence of geopolitical and macroeconomic policies, market volatility has become the norm, and enterprises' ability to manage capital is facing unprecedented challenges—efficiency and resilience in cross-border, multi-chain, and multi-market transactions are becoming key capabilities for enterprises to maintain continuous operations.

II. From "Stability" to "Agility": A Shift in Enterprise Capital Management Thinking

In the past, many enterprises focused on the keywords "stability"—cash flow security, account balance, and controllable settlement efficiency. Today, the key to surviving in a volatile cycle is "agility."

Agility in capital management means not just being able to "allocate funds," but being able to maintain continuity in payments and settlements despite on-chain congestion, price fluctuations, and regulatory changes.

As McKinsey stated in the "2025 Global Payments Report," the global payment system is transitioning from a single track to multiple tracks: instant payments, stablecoins, tokenized deposits, and traditional card networks coexisting. The fragmentation of payment systems is forcing enterprises to build new capital allocation logic, or they may find themselves passive in terms of capital efficiency and cost control.

III. Capital Agility: A New Core Competency for Enterprises

Capital agility is essentially the ability of enterprises to maintain operational continuity and flexibility during volatile cycles.

In serving numerous Web3 enterprises and institutions, Interlace has observed that an increasing number of enterprises are beginning to value "capital liquidity"—allowing funds to flow flexibly across different chains, currencies, and settlement networks. As an innovative financial platform bridging Web2 and Web3, Interlace helps enterprises maintain safe, automated, and compliant capital allocation amidst multi-chain, multi-currency, and multi-market fluctuations by providing global accounts, MPC wallets, fiat and cryptocurrency exchanges, card issuance, CaaS APIs, and embedded KYT/KYC/KYB risk control systems. This capability is reflected in three dimensions:

• Rapid switching between multiple channels When a chain experiences congestion, a stablecoin becomes unpegged, or a payment channel is restricted, the system can automatically identify risks and switch to a backup chain or other stablecoin channels instantly, ensuring uninterrupted settlements;
• Flexible allocation across multiple accounts and currencies The system supports flexible capital allocation between multiple accounts and currencies based on real-time trading volumes, clearing needs, and exchange rate fluctuations, helping enterprises maintain efficient capital utilization under a multi-chain system.
• Compliance and audit traceability While frequently reallocating funds, the system can maintain complete compliance records and audit trails, meeting regulatory requirements across different jurisdictions, achieving "speed without chaos";

These capabilities empower enterprises in their daily operations. For example, for enterprises served by Interlace:

• Rapid switching of multi-chain payment channels Web3 payment enterprises facing public chain congestion and soaring gas fees often experience transaction delays or even user loss if they cannot switch settlement channels in time. During periods of severe market volatility, a Web3 institution significantly improved settlement efficiency and reduced business risks through Interlace's intelligent routing and multi-chain settlement system.
• "Multi-track adaptive" cross-border settlements A global enterprise operating simultaneously in the Asia-Pacific and U.S. markets utilized Interlace's multi-currency account and multi-chain wallet system to instantly switch to stablecoin settlement channels when local channel exchange delays occurred, achieving seamless cross-currency and cross-border settlements.

IV. Building Financial Resilience in Volatility

The paradigm of enterprise finance is undergoing profound changes from "stability" to "agility." In an era where volatility is the norm, enterprises are competing not only on the speed of revenue growth but also on the speed of capital response and system recovery in the face of unexpected events. As McKinsey pointed out, the coexistence of fragmentation and intelligence in payment systems means that those who can keep capital agile and controllable within complex networks will find new certainties amidst uncertainty.

Interlace is committed to providing enterprises with cross-chain, multi-currency, and compliant capital allocation capabilities, allowing them to maintain certainty in action amidst volatility and build true financial resilience. Capital agility will become the core metric of next-generation enterprise finance—it not only represents efficiency but also signifies an enterprise's survival and competitiveness in an uncertain era.