The consumerization of cross-border payments has been driven by necessity. Migrant workers and families sending $200 remittances could not tolerate high costs or opaque delivery times. Mobile money platforms proved that payments did not have to be tethered to banks, while global players showed that exchange-rate transparency could be a selling point rather than a risk factor. As businesses globalize, the idea of payments halting for weekends or holidays looks increasingly anachronistic. Treasury platforms now integrate with wallet infrastructures that maintain balances in multiple currencies and release funds instantly, bypassing traditional cut-off windows. The result is a new operational flexibility. Treasurers can optimize for cost, speed or transparency depending on the transaction type. Supplier payments may benefit from low-cost local rails, while high-value transfers may still flow through SWIFT to ensure compliance with regulatory reporting. This portfolio approach, inspired by consumer FinTech, marks a departure from the one-size-fits-all model that defined cross-border payments for decades. Treasurers now find themselves at the frontier of FinTech adoption, piloting tools that only a few years ago were considered niche or even risky. Corporate treasurers now know that instant, transparent and low-cost international transfers are possible because they see them in the consumer space every day. The challenge is translating those possibilities into enterprise-grade solutions without losing the compliance rigor that corporations cannot compromise.