Top Bitcoin Use Cases for Enterprises: Treasury Management, Payment, and Settlement

Bitcoin moves from speculation to enterprise strategy

From Fortune 500 companies to growing online merchants, businesses are waking up to the reality: integrating Bitcoin and stablecoin can reduce costs, unlock global reach, and position them ahead of competitors still tied to outdated financial rails.

Enterprises aren’t doing this alone. Payment processors like Speed are quietly powering this transition by making Bitcoin and stablecoin acceptance as simple as a plug-and-play solution, whether through APIs, plugins, or instant QR-based checkout.

Why are enterprises turning to Bitcoin and Stablecoins?

Enterprises operate in a complex financial environment where cost efficiency, speed, and compliance are everything. The drivers behind Bitcoin and stablecoin adoption in business are clear:

• Hedging against inflation and currency risk: Corporate treasuries exposed to volatile fiat markets are finding digital assets a hedge.
• Cross-border efficiency: Payments that once took days (and carried high fees) now settle in minutes on blockchain rails.
• Cost savings: Processing fees can drop from 3-5% (credit cards) to near-zero with Bitcoin or stablecoins. 
• Customer demand: Younger, tech-savvy demographics increasingly expect crypto payment options.

Stablecoins add another dimension by offering the same blockchain efficiency but with price stability, making them ideal for enterprises that can’t absorb volatility.

Together, Bitcoin and Stablecoins present enterprises with a hybrid solution: resilience, global access, and operational savings.

Bitcoin and treasury management

One of the most visible enterprise use cases is treasury management. Companies from Tesla to MicroStrategy have already experimented with holding Bitcoin on their balance sheets. While some strategies are aggressive, even conservative enterprises are beginning to allocate a percentage of reserves into Bitcoin or stablecoins for diversification.

Strategy (formerly MicroStrategy) has pioneered the adoption of Bitcoin as a primary treasury asset. As of mid-2025, the company holds approximately 597,325 BTC, valued at over $64 billion. 

Impact:

• Strategy’s Bitcoin holdings have appreciated significantly, with an average acquisition cost of $70,982 per BTC and an overall average purchase price of $106,801 per BTC.
• The company’s Bitcoin holdings have resulted in over $21 billion in unrealized gains.
• By adopting Bitcoin as a primary reserve asset, Strategy has positioned itself at the forefront of digital asset adoption in corporate finance.

Managing risks:

Volatility remains a consideration, but enterprises can offset this by combining Bitcoin with stablecoin holdings. Modern processors, such as Speed, also allow businesses to swap seamlessly between BTC and stablecoins across both on-chain and Lightning Network rails, ensuring treasuries can move fluidly without banking delays.

Bitcoin payments: Unlocking new merchant and customer experiences

The next frontier is Bitcoin and Stablecoin payments. Enterprises that accept crypto not only reduce fees but also expand their customer base globally.

On May 16, 2025, Steak ‘n Shake became the first major U.S. fast-food chain to accept Bitcoin payments at all 393 U.S. locations. They partnered with Speed, a Bitcoin and stablecoin-native payment infrastructure provider, to enable this across kiosks, drive-throughs, mobile ordering, and other channels.

Impact:

• Processing fees for Bitcoin payments are up to 50% lower than credit card payment processing fees for Steak ‘n Shake.
• The chain reported a 10.7% increase in same-store sales in Q2 2025, attributing the growth to the adoption of Bitcoin payments.
• Full rollout in 393 locations, covering the whole U.S. for locations. 
• Speed’s APIs enabled deployment across all channels (custom POS drive-through, kiosk, and mobile orders) in just a few days.
• Strong social media buzz; brand elevation as innovation leader in the QSR space; better customer experience due to faster, smoother checkout (scan QR & pay) without cash/cards.

How enterprises enable it:

Payment processors like Speed make the leap frictionless. With APIs, plugins for platforms like WooCommerce, and One QR checkout, enterprises can accept Bitcoin and stablecoins without redesigning their systems. 

Bitcoin and blockchain for settlement: The enterprise advantage

For enterprises, settlement is often where financial inefficiencies pile up. International trade, vendor payments, and supplier contracts involve multiple intermediaries, delays, and high fees. 

 Enterprises engaged in international trade face challenges related to slow and costly cross-border payments. Bitcoin offers a solution by enabling real-time, peer-to-peer transactions without the need for intermediaries.

Impact: 

• Cost reduction: By eliminating intermediaries, Bitcoin reduces transaction fees associated with cross-border payments.
• Speed: Transactions on the Bitcoin network can be completed within minutes, significantly faster than traditional banking systems.
• Accessibility: Bitcoin provides access to global markets, especially for enterprises in regions with limited banking infrastructure.
• B2B vendor payments: Stablecoins allow businesses to lock in value without exposure to FX volatility.

The blockchain solution:

Bitcoin and stablecoins settle peer-to-peer, instantly, and globally. This is particularly transformative for:

• Supply chain finance: Faster settlements improve liquidity for vendors.
• Global remittances: Enterprises can pay overseas employees and partners without cross-border friction.
• No lock-in time: Bitcoin is not bound by bank working hours or holiday bottlenecks, functioning every day, every hour.

By using a processor like Speed, enterprises gain real-time settlement rails a cross Bitcoin and stablecoins, whether on-chain or via the Lightning Network, making enterprise settlements faster and cheaper than ever before.

Stablecoins vs. Bitcoin: Choosing the right fit for enterprises

Both Bitcoin and stablecoins serve unique enterprise needs.

• Bitcoin: Ideal for long-term value storage, treasury diversification, and branding alignment with innovation.
• Stablecoins: Perfect for day-to-day settlements, predictable financial planning, and low-volatility payments.

The smartest strategy isn’t choosing one over the other; it is integrating both. For example, an enterprise may hold Bitcoin in its treasury for growth potential while using stablecoins for operational liquidity. 

Speed is uniquely positioned as a multi-asset processor, enabling enterprises to adopt Bitcoin and stablecoin side by side on the same infrastructure.

Overcoming challenges in enterprise Bitcoin adoption

Adopting Bitcoin at scale isn’t without hurdles. Enterprises often cite:

• Volatility: Managed by balancing BTC with stablecoins.
• Regulatory clarity: Governments are tightening rules, but compliance-ready processors ease the transition.
• Accounting complexity: Businesses need frameworks to record crypto transactions correctly.

This is where infrastructure partners matter. A processor like Speed provides enterprises with enterprise-grade security, seamless integration, and compliance-focused solutions that address the gaps.

The future of Bitcoin and Stablecoins in enterprise strategy

Looking ahead, the trajectory is clear: Bitcoin and stablecoins are becoming core to enterprise finance. Several trends support this:

• Mainstream adoption: From wall street banks to Fortune 500 firms, crypto integration is accelerating.
• Lightning network scaling: Bitcoin transactions are becoming near-instant and near-free.
• Stablecoin dominance: With trillions in transaction volume, stablecoins are the fastest-growing asset class for B2B settlement.

For enterprises, the future is not about “if” but “when.” Those who move early will unlock competitive advantages in treasury, payments, and settlement efficiency.

With solutions like Speed, businesses can step into this future today, bridging Bitcoin and stablecoins with zero friction.

Conclusion: Bitcoin as a core enterprise tool

The story of Bitcoin for enterprises is no longer about speculation. It’s about strategy.

• Treasury management: Diversify reserves and hedge against fiat risks.
• Payments: Expand customer reach and reduce costs.
• Settlement: Enable real-time global transfers.

By pairing Bitcoin with stablecoins, enterprises can balance long-term value with day-to-day stability. And with the right processor like Speed, they can integrate both into their workflows without technical or compliance headaches.

For enterprises willing to act now, Bitcoin and stablecoins aren’t just a trend. They’re the new standard for business efficiency.