How Rise Leverages Arbitrum to Power Global Payments at Scale Global payroll and cross-border payouts demand three non-negotiables: liquidity, speed, and cost efficiency. As businesses hire globally and operate across currencies, legacy rails like wires, ACH, and traditional FX increasingly fall short. This is where Rise × Arbitrum stands out. Global Payments at Scale Finance and operations teams face persistent friction when paying employees and partners across borders: ~ Settlement delays measured in days ~High wire and FX fees ~Manual batching and reconciliation risk ~Limited flexibility across currencies and rails At the same time, workers increasingly prefer stablecoins for speed, predictability, and local accessibility. The Rise Approach Rise is building a single global payroll infrastructure designed to pay workers anywhere, instantly and compliantly. Key to this model is native USDC and USDT funding and withdrawals, giving: ~Payers flexibility in how accounts are funded ~Recipients freedom to choose the stablecoin that works best locally In practice: ~USDC dominates in the US, EU, and much of APAC ~USDT is widely preferred across LATAM, Africa, and parts of APAC Why Arbitrum To scale globally without sacrificing cost or speed, Rise integrated Arbitrum One. As of December 2, 2025: ~$8.82B stablecoin market cap on Arbitrum One ~$6.6B in USDC and ~$984M in USDT ~Asset mix of ~80% USDC and ~12% USDT This deep liquidity, combined with Arbitrum’s high throughput and low fees, makes it an ideal settlement layer for global payouts. Rise on Arbitrum: The Numbers Across all rails (fiat + crypto), Rise has processed: ~$1B+ lifetime volume ~$700M in the last 12 months Funding and withdrawal patterns reflect real world usage ~Deposits: 30% crypto / 70% fiat ~Withdrawals: 40% crypto / 60% fiat Onchain, Arbitrum plays a dominant role: ~80% of all withdrawal volume runs through Arbitrum ~Only ~6% of deposit volume originates there This signals Arbitrum’s role as the recipient-preferred payout rail. Stablecoin Flows at Scale Arbitrum is Rise’s primary onchain exit route: ~ USDC deposits: $17M ~ USDC withdrawals: $131M ~ USDT deposits: $1M ~ USDT withdrawals: $210M That’s $340M+ in lifetime USDC/USDT withdrawals, with the majority of onchain payouts settling on Arbitrum. Momentum is accelerating: The last 90 days represent ~25% of lifetime volume, indicating a rapidly increasing run rate as new corridors and use cases go live. Why the Economics Work The average Arbitrum payout on Rise is ~$1,500: Small enough that near-zero fees on Arbitrum flip the economics Result: ~ Up to ~5% savings versus ACH, wires, and L1 rails ~Small and mid-sized disbursements become viable at scale The Scalable Payments Pattern This is what modern cross-border payouts look like: 1. Fund; Treasury Optionality Accounts can be funded in fiat or crypto, with flexible flow combinations. No need to re-architect treasury from day one. 2. Program; Policy as Code Smart contracts define recipients, amounts, currencies, timing, and approvals. Manual steps, batching delays, and reconciliation guesswork are removed. 3. Execute, Seconds, Not Days Payouts execute on Arbitrum and confirm in seconds. On Rise, Arbitrum payouts carry $0 customer fees, enabling automation at scale. 4. Deliver & Reconcile; Global Reach Recipients withdraw USDC/USDT or off-ramp to local currency through integrated routes, with clean audit trails for finance and compliance. The Bigger Picture Arbitrum isn’t just a scaling solution, it’s becoming core payments infrastructure. By combining: ~ Deep stablecoin liquidity ~ Near-instant settlement ~ Ultra-low costs ~ Smart-contract automation Key Takeaway When global payroll, stablecoins, and smart contracts converge on a high-performance L2, cross-border payments stop being a bottleneck and start becoming a competitive advantage. Visit @arbitrum to explore what’s being built