普华永道数据显示： stellar 证券化收益分配仅需一天

Stellar leverages PricewaterhouseCoopers data: Blockchain settlement shortens the securitization payment cycle from 30 days to 1 day

Stellar points out that according to PricewaterhouseCoopers (PwC) data, securitization payment settlement on its network can be completed in one day, compared with traditional processes that typically take 30 days. This comparison positions blockchain technology as a direct solution to known friction points in institutional capital markets.

Comparison between Stellar and PricewaterhouseCoopers: 1 day vs. 30 days

The core of Stellar's proposition lies in a sharp contrast: securitization payments that historically took as long as 30 days to complete can only take one day to complete when processed on-chain. The data comes from a PricewaterhouseCoopers report cited by Stellar rather than an independent third-party evaluation of the Stellar network itself.

Securitization payments involve the allocation of income to holders of asset-backed securities, a step that in traditional financial systems involves multiple intermediaries, reconciliation cycles, and the transfer of custody rights. Every link will increase the cost of time, and this "30-day" data reflects this chain of layers of dependence. In contrast, the compressed payment cycle significantly changes participants 'liquidity and operating timing. Investors can receive earnings faster, sponsors can recoup capital earlier and reinvest it, and operations teams no longer need to spend a lot of time managing month-long outstanding settlement risks.

This difference is far more important than convenience itself. In fixed income markets, capital stuck in settlement waiting periods cannot be redeployed. The 29-day window reduction is not a minor improvement, but a fundamental structural change in the frequency of participants 'capital turnover. This is precisely the efficiency proposition that public blockchain institutions have long relied on for adoption, although there is still a gap between large-scale real-world implementation and what is demonstrated by a single data point.

Why shorter settlement windows are important

For every participant in the securitization structure, shortening the payment cycle from 30 days to one day completely changes its liquidity characteristics. Investors can reap returns faster, sponsors can recycle capital earlier, and operations teams reduce the time needed to manage long-term settlement risks.

This difference is more than just convenience. In fixed income markets, capital stuck in the settlement process cannot be redeployed. The 29-day reduction is not an incremental improvement, but a structural and fundamental change in the frequency of participants 'capital rotation. This is an efficiency proposition that public blockchain institutions have long relied on for adoption arguments, although large-scale real-world implementations are still a different issue than what a single data point displays.

Stellar's positioning here echoes the industry's overall momentum around tokenized real-world assets (RWA). The continued inflow of funds into Bitcoin ETFs has attracted new institutional attention to the on-chain settlement infrastructure, one of the largest markets accessible by this infrastructure.

Key points to pay attention to in the Stellar payment narrative

As more information emerges, readers should verify the following key details:

• Context of 1-day data: The number of "1 day" requires more background information before it can be fully evaluated. Readers should seek clarification as to whether this 1-day timeline covers the entire payment process (end-to-end) or only refers to the on-chain settlement portion (excluding upstream reconciliation steps that are still ongoing off-chain).
• 30-day benchmark review: Traditional securitization schedules vary by asset class, jurisdiction and service provider. If PricewaterhouseCoopers data applies only to specific product types or markets, then the comparison may not be generalizable to all securitization structures. Based on existing information, Stellar has not released the underlying PricewaterhouseCoopers report or dataset that supports this data.

This gap is important because the statement serves as a sales argument for Stellar Networks in the institutional market, an area where large-scale digital asset flows and settlement reliability are under scrutiny. The lack of statistical data cited in traceable original documents makes it more difficult for institutional counterparties to endorse it.

In addition, liquidity conditions for some blockchain networks are tightening. Since 2025, Solana's market liquidity has shrunk by approximately 28.5%, reminding us that network-level efficiency propositions and actual market depth are different dimensions of institutional use case preparation.

The next interesting observation point is whether Stellar will release complete PricewaterhouseCoopers source documentation and whether any existing securitization issuer can confirm the settlement speed for this day in a production environment rather than in a controlled pilot.