This Block by Block episode features AirTM CEO Ruben Galindo on the economics of global payroll. AirTM has processed more than $1B in stablecoin payments, paid 250,000 workers in 150+ countries, and reports 20–25% cost savings on cross-border payouts. Galindo explains how stablecoin payments are converted to local currency in minutes, why the “last mile” is the real challenge in international payroll, and what reliable settlement means for enterprises looking beyond traditional payment processors.