The Treasury Field Guide to Digital Assets

Download zerohash’s practical guide for treasury teams on stablecoins, tokenized deposits, and tokenized assets, with six use cases and a pilot roadmap.

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About this Guide

The Treasury Field Guide to Digital Assets from zerohash shows treasury teams how stablecoins, tokenized deposits, and tokenized assets apply to work they already do: forecasting cash, funding accounts, moving money across borders, and investing short-term balances. The guide draws on research from AFP, PwC, McKinsey, and Artemis, along with zerohash platform data. It covers where digital assets are working in production today and how to evaluate them, so a treasurer can weigh a stablecoin payment method the way they would weigh any new banking partner.

Treasury Is Moving to Internet Time

Businesses now operate around the clock, while wires, ACH, and card networks follow banking hours. AFP research finds that 73% of treasury practitioners rank cash management and forecasting among their top priorities, and PwC reports that 65% of treasury organizations plan to expand their use of APIs. The guide compares six payment methods side by side: ACH, wires, RTP and FedNow, card networks, stablecoins, and tokenized deposits. It describes a future where treasury systems choose the best method for each transaction based on speed, cost, geography, and finality.

Digital Assets in Treasury Today

Cross-border B2B payments, global payroll and payouts, 24/7 liquidity and account funding, and merchant settlement are running in production today. Tokenized cash and programmable payments are emerging. On zerohash, stablecoin volume grew 690% in 2025, and active users spanned 106 countries, up from 70. Treasury teams can use stablecoin payments without holding crypto as an asset class, since payments convert to local currency on arrival.

A Framework for Getting Started

The guide gives treasury teams a way to build the case: start with a specific problem, compare full economics including fees, FX spreads, prefunding, and reconciliation, and ask ten diligence questions of any infrastructure provider. It explains the GENIUS Act, which gives U.S. stablecoins their first federal rulebook, and closes with a readiness scorecard and a roadmap for a first pilot.