Local businesses considering its use should therefore consider what exactly blockchain-based settlement tools can do for them and whether their supposed benefits would outweigh the potential costs. How Do Blockchain-Based Settlement Tools Work? Before considering whether it would make sense for a given business to adopt blockchain-based settlement tools, it is worth getting at least a basic idea of what these tools are and how they work. This is because many blockchain-based settlement tools automatically convert currencies to whatever a given business uses. In the case of blockchain-based settlement tools, stablecoins act as a kind of intermediary currency to facilitate business transactions.