Zodia Markets, backed by Standard Chartered Bank, is revolutionizing cross-border payments by leveraging USDC stablecoins to offer faster, more efficient, and cost-effective transactions, settling instantly and around the clock. As an institutional digital asset trading business, Zodia Markets facilitates seamless access to stablecoins at wholesale institutional FX rates, enabling same-day settlements. The company addresses the challenges of slow transaction speeds, high costs, and limited access to USD in emerging markets by providing a digital solution that sidesteps traditional correspondent banking systems. Through strategic partnerships and Standard Chartered's FX capabilities, Zodia Markets converts local currencies to USDC, enabling clients to make near-instant, cross-border transactions without the associated fees and delays. An example scenario highlights how a grain importer in Africa can directly convert local currency to USDC and send it to a supplier in Asia, illustrating the efficiency and cost savings of this system.