Cross-Border Payment Solutions

LINK was built to address the specific problem of high-cost cross-border transfers on African corridors and between emerging and developed markets. Its founders experienced this firsthand in Nigeria, where cross-border payments to Europe or the US could consume close to half the transferred value due to exchange rate spreads, multi-tier pricing, and fragmented local rails. The LINK API connects remittance services to 50+ countries, routing transactions across 400+ fiat currency pairs including NGN, KES, ZAR, BRL, MXN, IDR, AOA, ETB, and EGP. Pre-built Static Payment Templates reduce integration time for remittance platforms, stablecoin wallets, and global payroll services building on the LINK API. LINK routes transactions through the appropriate settlement channel depending on the market — stablecoin wallets or bank accounts, whichever fits the recipient and corridor. The two primary flows are stablecoin on/off-ramps converting between local bank transfers and USDC or USDT, and multi-market payouts routing cross-currency settlements to wallets or bank accounts in a single API call. LINK's Solana integration positions it as a fiat on/off-ramp and FX routing layer for Solana-native applications targeting Africa and other frontier markets. Ecosystem recognitions include the Solana SpringX accelerator, XRPL Launch Accelerator Cohort 5, and Stellar Community Fund Round 10.

Walapay connects local payment rails to stablecoin settlement networks to enable cross-border money movement across 180+ countries and 60+ currencies in minutes rather than days. Traditional correspondent banking takes up to seven days and costs close to 4%, with roughly $4 trillion locked globally in pre-funded nostro accounts — Walapay eliminates that overhead by funding transfers programmatically at transaction time. The platform serves businesses building cross-border products — payment service providers, payroll processors, and neobanks — through a unified API. Real-world deployments include Decaf, a Latin American fintech that reduced USDC-to-local-currency conversion from nearly a week to minutes. Average institutional payout size has been reported at $500,000, with the platform reporting over $85 million in monthly transaction volume since launching commercially in October 2024.

BlindPay routes stablecoin payments to local bank accounts across Latin America, the United States, and Europe, enabling cross-border transfers without recipients needing a crypto wallet. Its initial market focus is Latin America, where it built direct integrations with Brazil's Pix, Mexico's SPEI, and Colombia's PSE rather than relying on partner off-ramps. The June 2026 SEPA expansion added EUR payout support for USDC deposits from Solana and Stellar, extending the platform's cross-border reach into European banking. The 2026 roadmap targets a CASP license for full EU operations and Brazilian named accounts under a PSAV license. BlindPay scaled from $900,000 in total payment volume in 2024 to $450 million for full-year 2025, a trajectory reflecting strong demand for stablecoin-based cross-border payment infrastructure in Latin America. Four co-founders with backgrounds in Brazilian fintech — including veterans of PicPay, LendingClub, and a major Brazilian blockchain startup — bring direct knowledge of LatAm banking rail requirements. As a Circle Alliance partner registered with FinCEN as a Money Services Business, the platform maintains the compliance framework needed for regulated cross-border payment operations.

Alfred Pay targets remittance operators as a primary customer, providing stablecoin-to-fiat infrastructure that enables high-volume fund delivery across Brazil, Mexico, Colombia, and Argentina without requiring local banking entities. Its liquidation address feature is built for remittance flows: fiat deposited into an alfred virtual account automatically converts to USDC or USDT and routes to a registered blockchain wallet, enabling stablecoin-based remittance pipelines at scale. The platform's remittance credentials are reinforced by a February 2026 partnership with Western Union, extending alfred's LatAm infrastructure into one of the world's largest traditional remittance corridors. Alfred's Circle Payments Network membership further formalises USDC-to-fiat delivery via PIX in Brazil and SPEI in Mexico, and by early 2026 the platform had processed nearly four million transactions for more than 2.5 million users across the region.

Lemon supports cross-border money transfers across seven or more Latin American countries, accepting incoming funds from international platforms including PayPal, Wise, Airbnb, and Deel. This infrastructure is specifically designed for freelancers and remote workers in the region who receive foreign-currency income and need a fast, low-friction pathway to convert and hold those funds as digital dollars. The transfer product integrates directly with Lemon's stablecoin accounts, meaning arriving funds can be immediately converted to USDC or USDT and begin generating daily yield. Lemon's remittance capabilities reinforce its positioning as a financial super-app for the Latin American digital economy, where a growing population of remote workers earns in USD, EUR, or other hard currencies but lives in countries with volatile local-currency conditions. By accepting funds from widely-used freelance and payment platforms, Lemon reduces the steps required to move money from the global gig economy into stable, yield-bearing digital dollar savings. This distinguishes Lemon from pure crypto exchanges and aligns it with the everyday financial workflows of its target demographic.

TruBit is a Latin American crypto exchange that built specific infrastructure for cross-border remittance flows into the region. In December 2024, TruBit partnered with Bridge to enable US-to-LATAM transfers at approximately 1% cost — down from the 5–10% typical of traditional channels — with same-day settlement replacing multi-day wire delays. In February 2025, MoneyGram Access integration enabled cash deposits at OXXO stores in Mexico, Cobro Express in Argentina, or Bancolombia branches in Colombia, with funds arriving as USDC directly into user accounts. The platform holds VASP designations in Mexico, Argentina, and Peru, plus a US MSB license, giving its remittance rails regulatory standing across multiple jurisdictions. Its MMXN Mexican peso stablecoin — deployed on Solana and pegged 1:1 with reserves at a licensed Mexican bank — is acquired via SPEI bank wire and provides a native peso-denominated settlement layer. Together, these corridors serve users across more than 30 countries with licensed, stablecoin-native remittance infrastructure.

Bitso provides cross-border money transfer services for Latin American users, routing value through stablecoin rails to cut the cost and delay associated with traditional remittance channels. Recipients in Mexico, Brazil, Colombia, and Argentina receive local currency, making inbound transfers as straightforward as a domestic deposit. Stablecoins represented 40 percent of all crypto purchases in Latin America according to Bitso's 2025 Crypto Landscape report, underscoring their central role in cross-border value transfer across the region. With over 9 million users spread across these four countries, Bitso occupies a unique position as both the region's largest crypto exchange and a primary blockchain-based remittance gateway for the underbanked.

PDAX has positioned its stablecoin infrastructure as a lower-cost alternative for international money movement, targeting one of the Philippines' most significant financial needs given its large overseas worker population. In October 2025, PDAX partnered with Codex Network, an Ethereum layer-two solution, specifically to reduce remittance costs for Filipinos using stablecoin rails rather than traditional wire transfers. Support for Solana-native USDC gives senders and recipients access to Solana's median transaction cost of approximately 0.00064 USD, a meaningful reduction compared to conventional remittance fees. The platform's peso order books provide a direct conversion pathway from stablecoins to Philippine pesos, allowing remittances to arrive and settle without requiring additional intermediary platforms.

Maya Philippines operates an agent network spanning over 55,000 Maya Center touchpoints nationwide, providing the infrastructure backbone for domestic money transfers and inbound remittance claims across the Philippines. Consumers can send money instantly via QR code or phone number and receive international remittances at any agent location, a critical function in a country where overseas foreign worker remittances represent a significant share of GDP. The agent network extends Maya's reach into communities underserved by traditional bank branches, acting as last-mile financial access points. The platform's remittance capability integrates seamlessly with Maya Wallet's broader feature set — bill payments, mobile load, savings, and crypto trading — creating a unified financial experience around what may have initially been a user's first digital transaction. Maya's BSP-licensed compliance framework, including wallet screening and regulatory reporting obligations, ensures that cross-border money flows meet the Philippines' anti-money-laundering standards. This positions Maya as a regulated alternative to informal transfer channels, supporting financial inclusion goals within the country's fastest-growing segment of digital financial services users.

Chipper Cash is a mobile financial platform built to lower the cost of cross-border money movement across Africa, where transfer fees have historically averaged above 8%. Founded in 2018 by Ham Serunjogi and Maijid Moujaled, it offers zero-fee peer-to-peer transfers to bank accounts and mobile money wallets in more than 21 African countries, including Ghana, Nigeria, Uganda, Kenya, Rwanda, South Africa, Tanzania, Zambia, and the United States. The company processes more than 250,000 transactions per day for approximately seven million users, making it one of the most widely used cross-border fintech apps on the continent. Africa receives approximately $96 billion in remittances annually, and Chipper Cash has built a growing stack of blockchain integrations to compete directly with the correspondent banking rails that keep costs high. Partnerships include the tbDEX open protocol from Jack Dorsey's TBD subsidiary for decentralized cross-border payments, a three-way integration with MoneyGram and the Stellar Development Foundation for fiat on- and off-ramps, Western Union added as a transfer channel in July 2025, and a launch partnership in Africa for Ripple's RLUSD regulated stablecoin. The Solana network is supported for USDC and USDT deposits and withdrawals, positioning Chipper as one of the few African fintech platforms incorporating Solana-based stablecoin infrastructure into its remittance rails.

HIFI's payments infrastructure is built around the cross-border use case: it supports settlement in 60-plus countries through in-country payment rails including SPEI in Mexico, PIX in Brazil, and CHATS/FPS in Hong Kong, with stablecoin mint-and-redeem operations available 24/7 across USDC, USDG, PYUSD, and RLUSD. The Circle Payments Network integration — with Solana as one of three supported settlement chains alongside Ethereum and Polygon — allows fintech teams to route cross-border stablecoin payouts directly into local-currency bank accounts without building bespoke foreign-exchange or custody infrastructure. For developers building remittance or international payroll products on Solana, HIFI removes the compliance burden that most commonly blocks cross-border deployment. KYC completes in minutes, KYB in hours, and sanctions screening runs inside the transaction lifecycle rather than as a post-processing step. Customer funds are held in segregated accounts at Cross River Bank, an FDIC member institution. Teams that need to move payroll runs, marketplace disbursements, or gig economy payments across borders get a single API integration that covers the compliance, custody, and local rail requirements that would otherwise require months of regulatory work and infrastructure build.

CFX Labs builds cross-border dollar transfer infrastructure around MoveUSD, its Solana-native regulated stablecoin. The Payouts product reaches more than 220 markets globally, enabling businesses to pay contractors, settle invoices, and disburse funds across Latin America, Southeast Asia, and beyond. Solana's low transaction fees and high settlement speed underpin the economics of cross-border transfers, where transaction cost and finality time directly affect business viability. CFX Labs is a U.S.-regulated fintech with offices in Chicago, Mexico City, and Sao Paulo, reflecting its focus on dollar access and remittance friction in the Americas. The company holds MSB and NMLS registrations and has aligned MoveUSD with GENIUS Act standards, ensuring that cross-border transfers satisfy the compliance requirements of enterprise clients operating across multiple jurisdictions.

Infini's payouts layer enables cross-border disbursements to teams, contractors, and vendors across more than 180 countries in over 30 supported currencies. The platform is built primarily around USDC and USDT, which serve as the settlement layer for international transfers, with the underlying blockchain infrastructure abstracted from end users. Infini launched in June 2024 and is headquartered in Hong Kong, with regulatory registration including a Money Services Business license from FINTRAC Canada obtained in May 2026. The platform is designed for globally distributed businesses that need to manage payroll and vendor payments across jurisdictions. Infini holds SOC 2 Type II and PCI-DSS Level 1 certifications and uses Cobo, a multi-party computation wallet provider with ISO 27001 certification, for institutional-grade asset custody. Beyond pure disbursements, idle stablecoin balances earn approximately 8% APY with T+0 redemption, ensuring capital is not locked during intervals between payments.

Blockroll is a cross-border payment platform designed to bridge earnings from global clients with local financial life in Nigeria and Sub-Saharan Africa. Traditional banking rails such as SWIFT carry high fees and multi-day delays, while platforms like PayPal remain restricted across much of the region. Blockroll removes this friction by letting workers receive payments in USD, EUR, USDC, or USDT and convert to Nigerian Naira on their own schedule, shielding earnings from currency depreciation. The platform completed a full on/off-ramp cycle converting Nigerian Naira to USDC on Solana and back in April 2025, validating its infrastructure for Africa-focused remittance flows. Blockroll covers gas fees on behalf of users and abstracts blockchain complexity from the end-user experience entirely. As of mid-2025, the platform has surpassed 1,000 users and is expanding from Nigeria into Kenya and other Sub-Saharan African markets, backed by the Circle USDC Grant Program and the Toronet Incubation Program.

AgenteBTC offers a crypto-based remittance corridor targeting the significant flow of funds Peruvian workers abroad send home. By routing transfers through stablecoins and other digital assets rather than legacy wire services, the platform aims to cut fees and settlement times on cross-border payments. Recipients can receive funds into their AgenteBTC wallet without a traditional bank account. The service is underpinned by the KasNet network of approximately 13,000 physical retail reload points across Peru. Perus diaspora generates substantial remittance flows, and AgenteBTCs crypto-native corridor offers a faster, cheaper alternative to incumbent wire services. The KasNet physical agent network provides last-mile distribution in communities where banking infrastructure is sparse. Founded in September 2019, the company has reached approximately $700,000 in annual recurring revenue and received a seed investment from Tether Investments in December 2024. Plans to expand into Central America and Mexico would extend the remittance corridor to additional high-volume markets.

Rail is a regulated payment infrastructure platform built for B2B cross-border transactions, routing payments through stablecoins rather than correspondent banking chains. It positions itself against SWIFT, where corporate payments settle over two to five business days with fees at each correspondent hop; Rail targets T+0 same-day finality, with documented cases of $2.5 million transactions settling within hours. Use cases include cross-border accounts payable, international payroll, and supply chain payments, with average deal sizes of $50,000 to $100,000. Fiat support spans USD, EUR, GBP, MXN, and AED, with emerging-market currencies including INR and BRL planned. AngelList was cited as a flagship customer, using Rail to move LP capital across jurisdictions. AML, fraud detection, and counterparty screening are embedded in the API, removing the need for separate compliance vendor integrations.

Striga enables cross-border money movement within the European Economic Area through SEPA banking rails, crypto networks, and fiat-to-crypto conversion. Its virtual IBAN infrastructure connects to SEPA and SEPA Instant networks, enabling euro-denominated transfers across 30 EEA countries through a single API. The platform crypto-fiat ramp functionality supports conversion between euros and cryptocurrencies including Bitcoin, Ethereum, and USDC on Solana. Striga Estonian VASP license provides passporting rights across all 30 EEA member countries, meaning businesses building cross-border payment products inherit regulatory coverage without separate national licensing. Lightspark, which acquired Striga in October 2025, has stated its intent to use Striga as the foundation for instant, borderless global payment products built on open Bitcoin payment protocols. The platform served over 50 companies and processed more than $200 million in payment volume within its first 28 months.

TRYB, BiLira's Turkish Lira-backed stablecoin, enables on-chain settlement in local currency for Turkish domestic transactions and cross-border transfers involving Turkish counterparties. Deployed across nine blockchains including Ethereum, Solana, BNB Smart Chain, and Avalanche, TRYB allows users to transfer Turkish Lira-denominated value without routing through USD-denominated intermediaries and incurring double-conversion costs. BiLira describes TRYB as the most widely adopted Turkish Lira-backed stablecoin, with growing reach across the Middle East and North Africa, regions with significant ties to Turkish trade and finance. Turkey processes roughly $200 billion in annual crypto transactions, partly driven by persistent Turkish Lira inflation that has pushed citizens and businesses toward alternative settlement layers. TRYB is not an inflation hedge — it tracks TRY rather than a global reserve currency — but it eliminates the friction of converting to and from USD for counterparties whose transactions are naturally denominated in Lira. For remittance flows into Turkey or cross-border commerce with Turkish participants, TRYB provides a direct on-chain settlement rail in the currency Turkish recipients actually use.

Trace Finance targets the structural gap between dollar-linked digital assets and the fragmented local payment networks that determine how money moves within Latin American countries including Brazil, Mexico, Argentina, and Colombia. Its stablecoin sandwich model allows enterprises to send and receive value in USDC while Trace handles conversion to and from local fiat at each end, sourcing liquidity through domestic instant-payment networks rather than expensive correspondent chains. Cross-border transfers settle in under a minute during business hours through Brazil's Pix network, which operates 24/7 including weekends and public holidays. Brazil is Trace's anchor market, processing roughly $1.8 trillion in foreign-exchange volume annually across more than 700 million Pix accounts. Trace holds an eFX authorization under Brazilian Central Bank Resolution 521 and a VASP registration under Resolution 561, giving it the compliance credentials that enterprise clients require before routing institutional remittance volume across the region. Active operations in Argentina and Colombia complement the Brazil base, with Mexico identified as the next priority market.

Advanced Payment Solutions (APS Money) targets international merchants, brokerages, and financial platforms that process cross-border payments across 150 or more countries without building separate integrations for each payment rail. Its Corporate Payments product provides multi-currency wallets with instant Web3 settlement, OTC desk access for high-volume transactions, and coverage of B2B trade finance, travel companies, and emerging market disbursements. Regulatory registrations with Kazakhstan's AFSA and Canada's FINTRAC give APS a compliance footprint across Eurasian and North American jurisdictions, relevant for merchants that need to operate across both regions. PCI-DSS certification and automated KYT and KYB screening further reduce the compliance burden that cross-border payment operators typically carry in-house.

Toku addresses the cross-border compensation challenge for Web3 organizations by operating as an Employer of Record and Agent of Record in markets where client companies lack a local legal entity. This structure enables globally distributed teams to receive compliant compensation without requiring employers to establish legal presences in every jurisdiction where contributors reside. The platform handles tax withholding, labor law compliance, and regulatory reporting at a jurisdiction-by-jurisdiction level across more than 100 countries. A January 2026 collaboration with Aleo and Paxos Labs introduced USAD, a privacy-preserving stablecoin that shields individual salary amounts from public on-chain visibility, addressing a key concern for employees who prefer confidential compensation records. In February 2026, Toku added Sei-native stablecoin payroll, expanding its cross-border reach to another blockchain network. Sanctum, a Solana-native liquid staking protocol with over 1 billion USD in TVL, is a named client that publicly reported a 70% reduction in payroll administrative overhead after adopting the platform to replace cross-border wire transfers and manual token grant tracking.

Stablepay was built to address a concrete gap in African remittance flows: USDC has become a meaningful store of value and cross-border transfer tool across Sub-Saharan Africa, but converting it to local currency for a mobile money recipient remains slow and expensive on most platforms. The peer-to-peer transfer product lets senders transmit USDC to recipients via a Stablepay Credential — a human-readable identifier linked to a wallet address — with the recipient receiving local currency through their mobile money account. The platform operates in five markets: Ghana, Kenya, Nigeria, South Africa, and Uganda. Stablepay connects to exchanges with significant African user bases including Binance, Bybit, VALR, and Quidax, alongside Africa-native platforms like Chipper Wallet and Busha. Paystack and Flutterwave handle the traditional payment processor layer, enabling delivery through established mobile money infrastructure without recipients needing to hold digital assets. The founding team came from Visa, Absa, and Citi, bringing the regulatory and banking relationships required to offer local currency settlement across multiple markets.

nsave brings mainstream cross-border banking access to approximately 700 million people living in economies with failing currencies, capital controls, or unreliable local banks. By partnering with regulated institutions in the US, EU, and UK to offer accounts holding USD, EUR, and GBP, the platform gives users in countries like Nigeria, Pakistan, Lebanon, and Egypt a practical way to receive international payments and remittances without depending on fragile local financial infrastructure. The platform supports inbound transfers via SWIFT, ACH, and multiple stablecoins, and pays out in local currencies including Nigerian naira, Pakistani rupee, Bangladeshi taka, Egyptian pound, and others. Transfers between nsave users via unique @ntag handles are instant and free. Stablecoin withdrawals run exclusively over Solana using USDC, giving users in remittance-heavy markets a fast and low-cost path to convert offshore USD savings back into crypto or route funds through local peer-to-peer channels.

Depasify targets the cross-border payment problem with a dual approach: traditional fiat rails and stablecoin settlements over blockchain networks. The platform supports SEPA credit and debit transfers within Europe and local payouts to counterparties in Mexico, Colombia, China, the United Arab Emirates, and the United States, each with the country-specific routing fields those banking systems require. Beyond traditional rails, Depasify has signaled a strategic emphasis on stablecoin infrastructure for B2B cross-border settlements under its Depa Finance framing. Solana stablecoin transfers settle in seconds at minimal cost, and Depasify's VASP registration with the Bank of Spain provides the compliance layer that enterprise buyers typically require before routing real payment flows — making it a practical fiat-to-chain bridge for Solana projects building remittance, payroll, or treasury products.

Spark Tech Hub Ltd is a Canadian-regulated payment infrastructure provider that powers cross-border money movement for businesses across 30+ countries. Rather than operating a consumer remittance app itself, the company supplies the underlying payment plumbing that third-party platforms plug into — most notably remittance products like Oneremit and Payremit. Its B2B focus on competitive FX rates, reduced settlement times, and embedded compliance makes it a behind-the-scenes engine for the international transfer services that end users actually touch. What sets Spark Tech Hub apart in the cross-border remittance space is its dual-rail architecture: the company blends traditional correspondent banking channels with virtual currency settlement to achieve faster, cheaper transfers. Registered with FINTRAC as a Money Service Business covering money transferring and virtual currency dealing, it has the regulatory authorisation to route transactions through digital asset rails — including stablecoin-based settlement — where those corridors offer speed or cost advantages over legacy wire infrastructure.

SFx Money is a mobile-first remittance application designed specifically for the African diaspora, enabling zero-fee transfers across more than twenty countries spanning Africa, Europe, the US, and the UK. Built by Sora Financial Technology Inc., the app addresses the punishing fees — routinely 4 to 12 percent per transaction — and 24-to-48-hour settlement delays that characterize traditional African remittance corridors. By settling transfers in USDC stablecoins over blockchain rails including Solana, SFx moves value in seconds rather than days, giving users certainty of delivery and exchange rate at the time of transfer. Unlike legacy wire services that require full bank account details and impose per-transfer charges, SFx operates on a username-based transfer model with no transfer fees. Recipients can receive funds without a bank account, withdrawing to local mobile money providers in their local currency — a critical design decision for markets where large populations remain unbanked. Between March 2025 and June 2026, the platform processed approximately $11 million in total payment volume across 76,749 transactions, with the app carrying a 4.8-star rating from over 9,000 reviews on Google Play.

Shiga Digital gives African businesses a blockchain-native alternative to the correspondent banking chains and opaque parallel forex markets that have long dominated cross-border trade on the continent. Its core banking layer treats stablecoin balances as primary accounts, settling entirely on-chain rather than layering crypto rails on top of conventional infrastructure — a structural choice that removes the multi-day settlement delays and opaque intermediary fees that plague traditional cross-border payment corridors. The Pulse B2B settlement engine lets enterprise clients accept payments across 18 African countries and disburse in local currencies or stablecoins through a single integration, with OTC services for block liquidity and treasury tools for managing foreign exchange exposure. Backed by a strategic Tether investment and holding VASP licenses in the EU and UAE, Shiga represents a new class of Africa-focused cross-border payment infrastructure built around stablecoin settlement rather than correspondent banking relationships.

Rizon enables near-instant transfers to recipients in 122 or more countries at a fee of up to 0.25% per transfer, positioning the platform as a lower-cost alternative to traditional wire transfers and remittance corridors. The primary target audience is freelancers, solopreneurs, and remote workers who earn in dollars but live or spend outside the United States. Transfers are funded from USDC or USDT balances loaded from over ten blockchain networks. Regulated payment routing is handled by Rain through ACH and SEPA connectivity. User registration is currently limited to residents of the United States and Latin America. A multi-currency account update in August 2026 added support for receiving payouts in different currencies, broadening Rizon utility for remote workers who need to navigate multiple financial systems simultaneously.

Rampnow's Payments product line targets cross-border financial flows: payroll to distributed contractors, mass vendor payouts, and remittances funded through crypto. Businesses can route fiat from EUR, USD, INR, PHP, and IDR to recipient bank accounts and payment cards across APAC, Europe, Latin America, and MENA. The non-custodial architecture keeps Rampnow as routing infrastructure rather than a money transmitter, with regulatory compliance handled through licensed partners in the chain. Rampnow's off-ramp handles the final-mile fiat delivery that makes crypto remittances practical for recipients who need local currency. Payment method support — including SEPA, Open Banking, and region-specific options — ensures localized delivery rather than a one-size approach. With Solana as a settlement chain, sub-second finality and minimal fees make salary-scale and micropayment remittance flows viable at competitive cost.

Pretium Finance addresses the gap between stablecoin receipt and real-world spending for Africa's cross-border workers, remittance recipients, and international freelancers. Where converting USDT to Kenyan shillings or Ghanaian cedis previously meant peer-to-peer markets, steep spreads, and slow settlement, Pretium settles directly into M-Pesa, MTN Mobile Money, Airtel Money, and bank accounts across ten African countries. The consumer app offers cross-border transfers with fees as low as 1%, while the B2B API allows partner fintechs to route inbound stablecoin payments to local fiat for their customers. CEO Derrick Bundi founded the company after personally receiving USDT as payment with no viable off-ramp, a friction point he saw replicated across Sub-Saharan Africa. As of mid-2026, Pretium has processed 9.1 million USD across more than 600,000 transactions at a 99.99% success rate.

Nexus Protocol's Nexcrow applies Solana's low transaction fees and USDC settlement to cross-border service payments in markets where traditional rails fail freelancers and small businesses. The escrow primitive that powers Nexcrow's freelance product maps directly to B2B payments, payroll, and peer-to-peer remittances — all use cases the protocol explicitly targets in its Circle Alliance partner listing. Solana's fast finality and near-zero fees make micro-value cross-border payments practical in a way that Ethereum or traditional correspondent banking cannot match. For a Nigerian freelancer paid by a European client, Nexcrow provides dollar-denominated settlement without currency conversion risk or the multi-day delays of SWIFT. The project's primary focus on Nigeria and Morocco, with additional reach across APAC, Latin America, and the Middle East and Africa, positions it as infrastructure for emerging-market remittance corridors where stablecoin rails offer a meaningful improvement over legacy alternatives.

NewMoney.ai positions its digital cash layer as a direct alternative to conventional remittance services, offering gasless, fee-free transfers across more than 180 countries without geographic restrictions. Transfers use phone numbers, email addresses, or social handles as identifiers rather than blockchain addresses, removing the technical friction that typically limits crypto remittance adoption in markets with limited smartphone storage or low-bandwidth connections. Fiat onramp partnerships with Circle (USDC), Transak, Onramper, and Coinbase provide local-currency entry points in the countries it serves, while WhatsApp and SMS integration targets regions where dedicated app downloads are impractical. A published roadmap includes a physical debit card and the evolution of the digital cash wallet into a yield-bearing savings account as planned additions to the cross-border layer.

CoinPay.cr positions international remittance as a core service, supporting cross-border money transfers across corridors connecting Costa Rica with the United States, Europe, Mexico, and Brazil. Operating since 2016 in a region where remittance costs remain high relative to income levels, the platform offers an alternative to conventional wire services for underserved Central American and Caribbean markets. The platform's SINPE Movil integration and multi-chain wallet infrastructure underpin its cross-border transfer capability, allowing local fiat to move into and out of digital assets efficiently. A January 2022 partnership with Dash Core Group extended CoinPay.cr's regional footprint, bringing Dash's InstantSend technology to Central America and launching joint merchant and user acquisition programs across the corridor.

Accrue's core consumer product, Cashramp, is a cross-border payment rail built specifically to solve Africa-to-US and intra-Africa remittances. Rather than routing transfers through correspondent banking networks, Cashramp operates through a human agent model: local agents in over fifteen African markets accept stablecoins on one side and disburse local currency via bank transfer, mobile money wallet, or M-Pesa on the other, completing payouts in under five minutes. This approach bypasses the high fees and delays that have historically plagued African remittances and enables meaningful depth in markets where traditional fintech infrastructure remains thin. The agent network spans Nigeria, Ghana, Kenya, Cameroon, and Francophone West Africa, with Cashramp processing between thirty and fifty million USD in volume since launch, contributing to a total platform volume of seventy to one hundred million USD. Transaction volume nearly quadrupled between 2023 and 2024 and then doubled again by 2025, reflecting strong product-market fit among the platform's 350,000-plus users across eight or more African countries.

AhoraCrypto supports cross-border cryptocurrency purchases and off-ramps across a pan-European fiat footprint, accepting EUR, GBP, USD, CHF, CZK, PLN, SEK, DKK, NOK, and other currencies. Payment methods span Visa, Mastercard, SEPA bank transfers, Apple Pay, and Google Pay, enabling users in different countries to acquire crypto with their local banking infrastructure. The platform's interface is localised into twelve languages — including Spanish, German, French, Polish, Romanian, Ukrainian, and Bulgarian — reflecting its multi-market audience. Minimum order is 25 EUR, with limits scaling through KYC tiers to support higher-value cross-border flows. Holding a MiCA CASP authorisation from Spain's CNMV, AhoraCrypto can passport its regulated status across the European Economic Area without seeking additional national licences. This structure supports remittance-adjacent use cases where users move value between fiat currencies and on-chain assets across borders — particularly for USDC and other stablecoins that settle on Solana, Base, and other networks. The non-custodial model means funds never pass through AhoraCrypto's own accounts; cross-border settlement happens directly on-chain, reducing counterparty risk in the transfer flow.

CopperX's global payouts product targets businesses with distributed workforces, enabling bulk payments to contractors, vendors, and freelancers across more than 90 countries. Senders deposit USDC or fiat, build a payment run through the dashboard or API, and CopperX handles routing to recipients through their preferred channel. Recipients can choose to receive funds in a crypto wallet or to a local bank account via fiat offramp. Stablecoin transfers settle on-chain within minutes, while bank-account fiat payouts typically arrive within two to three business days. Built-in KYC verification for recipients is included in the payouts flow, reducing compliance overhead for sending businesses managing international workforces. The Kosh neobank, launched at Solana Breakpoint in December 2025, extends this cross-border capability to individual freelancers globally, with rapid US account setup for non-US residents and instant cross-border payment rails. CopperX's explicit design for companies without US incorporation directly addresses the administrative complexity that makes cross-border transfers difficult for businesses incorporated outside the United States.

BNKA is a multi-currency fintech wallet built to serve Latin Americans living in Europe, addressing the persistent challenge of managing finances across two continents. The platform lets users earn in euros and send to home countries without absorbing hidden conversion spreads or waiting multiple days for transfers to arrive. BNKA locks in the exchange rate at the moment of sending, ensuring the confirmed amount reaches the recipient without mid-chain spread adjustments from intermediary banks. This rate-lock mechanism is a direct response to the hidden costs migrants routinely face when using traditional wire transfer services. The app currently supports Argentine pesos, Peruvian soles, and Colombian pesos alongside euros, with Peru, Colombia, Brazil, and the United States identified as further expansion targets. Home-country bill payments extend the remittance model beyond person-to-person transfers, letting users pay utilities, internet, and education providers in their country of origin at a fixed rate confirmed before the transaction. Since launching in December 2023, BNKA has processed EUR 45 million and reached 75,000 active users — meaningful traction in a market traditionally underserved by conventional banking infrastructure.

BitcoinVN supports Vietnamese dong, USD, and EUR as fiat currencies alongside over 150 digital assets, positioning the platform as a cross-border settlement layer for users moving value between Vietnam and international markets. VND withdrawals via domestic bank transfer or cash pickup make it practical for recipients in Vietnam to access value delivered from overseas without relying on traditional correspondent banking infrastructure. The platform was founded by a Vietnamese-German team, explicitly serving both local Vietnamese users who need VND fiat access and internationally oriented users seeking a privacy-respecting, account-optional exchange in the region. No account registration is required for standard swaps, which reduces the friction that typically slows cross-border transactions in emerging markets. Vietnam's regulatory environment shifted significantly on 1 January 2026, when the Law on Digital Technology Industry took effect and established a licensed, dong-settled exchange pilot. The Ministry of Finance opened license applications in January 2026 requiring substantial charter capital, placing BitcoinVN's decade-long operational history in the context of a market now actively formalising crypto-to-VND settlement. BitcoinVN's Panama incorporation and established local presence position it as a recognised incumbent with operational continuity predating the new regulatory framework. Stablecoins including USDT, USDC, DAI, and USDS across multiple chains are supported alongside assets such as XRP and Litecoin, providing cross-border users with options across major settlement rails.

Cregis includes a CSPN global remittance layer designed for high-volume cross-border use cases, built on top of its stablecoin Payment Engine and Cross-Chain Swap module. The platform supports settlements across nine major blockchain networks, processes transactions at T+0 real-time settlement speed, and includes off-ramp conversion to fiat. Institutional clients including banks and payment service providers across more than 50 countries use the infrastructure for cross-border payment and remittance flows. The remittance layer inherits Cregis MPC custody framework and full regulatory compliance stack. Real-time AML screening via Elliptic and Regtank runs Know Your Transaction and Know Your Address checks on every outbound settlement. Cregis holds a US Money Services Business registration and a Hong Kong Trust or Company Service Provider license, and was pursuing a Virtual Asset Regulatory Authority custody license in Dubai as of 2025, giving the remittance infrastructure a multi-jurisdictional compliance foundation.

Cryptonia was designed specifically to serve Nigerians who receive international payments in stablecoins and need to convert them to spendable local currency quickly and without counterparty risk. Nigeria ranks among the world's highest in stablecoin adoption by penetration, with an estimated 26 million people using USDC or USDT as a dollar proxy against naira depreciation and as a vehicle for diaspora remittances and cross-border freelance income. Prior to platforms like Cryptonia, the dominant method for off-ramping stablecoins was peer-to-peer trading, which carried well-documented risks including counterparty fraud, settlement delays, and escrow disputes. Cryptonia removes those risks by generating a unique deposit wallet per transaction, crediting Naira to the user's bank account automatically upon blockchain confirmation, and never taking custody of user funds during the process. Solana's speed makes it the network of choice on Cryptonia, handling 40% of monthly transaction volume by April 2025 and surpassing Tron as the platform's most-utilized chain. A user receiving international payment in USDC on Solana can complete the conversion and have Naira in their bank account in under 10 seconds with no transfer fee deducted. The platform launched in January 2025 and crossed $5 million in total trades by March 2025, supported by Superteam Nigeria's grant program and Circle Alliance membership. Its Cryptonia Corps ambassador program, launched in April 2025, is actively extending reach across Nigeria and the broader African continent, positioning the platform as infrastructure for the growing population of African workers and entrepreneurs who earn internationally in stablecoins and spend locally in fiat.

UnblockPay targets Latin America as its primary market, addressing the high cost and operational complexity of cross-border payments into and out of the region. Businesses can convert between local fiat currencies — Brazilian Real, Mexican Peso, and others — and USDC or USDT across Argentina, Brazil, Chile, Colombia, and Mexico. Supported use cases include payroll to local employees, B2B supplier payments, and settlement for platforms operating across multiple Latin American countries. The platform connects directly to Brazil's Pix and Mexico's SPEI, enabling last-mile fiat delivery from on-chain USDC into local bank accounts. Founded by Brazilian fintech veterans who previously built and sold a banking-as-a-service platform to Stone — one of Brazil's largest payment processors — UnblockPay brings deep local market expertise to its compliance and rail integrations. Solana's low fees and fast finality make it structurally attractive for cross-border payment flows in Latin America, and UnblockPay addresses the last-mile problem by converting on-chain USDC into local fiat via Pix or SPEI. The team closed a $4.5 million seed round in April 2026, with investors including Wintermute, Prelude, and angels from Stone and iFood. In its first year of operation, the platform processed over R$300 million in volume, validating its Latin America-first approach.

Payhound routes international business payments through crypto rails, enabling faster and cheaper cross-border transfers compared to traditional correspondent banking. Founded in Malta and regulated under both the Malta Financial Services Authority and the EU MiCAR framework, the platform is designed to remove the friction of SWIFT delays and correspondent banking fees that can stretch payouts to days or weeks. This makes it particularly valuable for affiliate marketing platforms disbursing global commissions and iGaming operators where payment velocity is a competitive necessity. Cross-border transactions can settle in either crypto or fiat, with Payhound handling exchange and custody on behalf of business clients. Its Channel Deposit Flow assigns persistent wallet addresses, providing a practical payment rail for recurring international transfers without individual invoice generation each time. Asset support includes Bitcoin, Ethereum, major stablecoins, and since 2025, SOL and TRX with Solana high throughput and low transaction fees making it especially attractive for high-frequency cross-border payment flows where fee economics directly affect client margins.

Singapore Gulf Bank was built around a specific problem: cross-border payments between the Asia-Pacific and Gulf Cooperation Council regions are slow, expensive, and fragmented. SGB's answer is a wholesale banking licence from the Central Bank of Bahrain combined with blockchain settlement capacity, allowing clients to move both fiat and digital assets through a single regulated entity. The bank's SGB Net clearing network processes around two billion dollars in monthly volume and connects to J.P. Morgan's Wire 365 USD network, Standard Chartered, and BNY for conventional dollar clearing. On the digital side, its zero-fee USDC mint and redeem service on Solana settles 24/7 with transaction overhead under 0.3 percent. The bank serves businesses and individuals who are underserved by legacy correspondent banking but need a regulated counterpart to pass compliance review. Its corporate banking platform launched in November 2024, with personal banking following shortly after. The personal mobile app includes a live FX conversion tool offering transparent real-time rates, aimed at individuals priced out by opaque FX markups in traditional retail banking. SGB's institutional backing from Mumtalakat and its membership in the Bahrain Association of Banks position it as a credible bridge between the Gulf's financial ecosystem and the broader Asia-Pacific market.

Azza directly addresses the remittance needs of African gig workers and remote employees who receive earnings in USDT and need to convert them to local currency. The platform handles the full conversion flow from USDT to Nigerian Naira or Kenyan Shilling within WhatsApp, settling to a local bank account in roughly 30 seconds. This eliminates the need to navigate multiple platforms or peer-to-peer markets plagued by fraud, which have historically been the default offramp in Nigeria and Kenya. For workers paid in stablecoins by international clients, Azza functions as a low-friction remittance tool that meets them in the messaging environment they already use. The platform also supports USDT-to-USD transfers into domiciliary bank accounts, serving users who want to hold or receive in dollars outside the parallel naira market. Eight African fiat currencies are registered, with live support for NGN and KES and expansion planned into Ghana, South Africa, Singapore, and Argentina. Founded in Lagos in 2024 and backed by SuperteamNG and Solana's Startup Village, Azza processed roughly 4.9 million dollars in transaction volume during its pre-incorporation beta phase, validating the demand for simple, embedded remittance tools in markets where formal banking and cross-border transfers remain costly and inaccessible.

DashX is a cross-border payment platform purpose-built for Indian freelancers, exporters, and businesses that receive international payments in cryptocurrency and need them settled as rupees in a local bank account. Clients anywhere in the world pay in USDC or other stablecoins, and DashX converts at institutional FX rates — claimed to be 80 percent cheaper than SWIFT — before crediting the recipient's Indian account in approximately two minutes. DashX handles the compliance layer that makes international transfers into India legally complex: every settlement automatically generates a Foreign Inward Remittance Certificate from an AD-1 Processing Bank, satisfying Reserve Bank of India requirements under FEMA and LRS without manual filing. Virtual accounts in USD and INR alongside GST-ready transaction exports make DashX a complete cross-border payment stack for Indian service exporters working with global clients on Solana and beyond.

ZARP was built to solve the high cost and delay of cross-border transfers involving the South African Rand, one of the most actively traded emerging-market currencies but lacking a credible on-chain representation until ZARP's launch. By enabling permissionless, blockchain-native transfer of rand-denominated value, ZARP eliminates the bank intermediaries and SWIFT processing times that make international remittance expensive. Deployed on Solana alongside four other blockchains including Ethereum and Base, ZARP allows users to send rand across borders in seconds with no fees beyond the underlying blockchain transaction cost. South African users can access fiat on- and off-ramps through AFRIDAX, ChainEX, and OVEX, all of which offer rand-denominated trading pairs, enabling practical end-to-end remittance corridors.

AUDD addresses the high cost and delay of cross-border Australian dollar transfers, where international remittance fees can reach 5.7% through traditional intermediaries and settlement can take up to four business days. By providing a blockchain-native, 1:1 AUD-pegged stablecoin that settles in seconds, AUDD removes both the timing and fee barriers that make conventional AUD remittance expensive for businesses and individuals. AUDC participated in the Monetary Authority of Singapore's cross-border trade pilot and Project Acacia, demonstrating AUDD's suitability for international settlement corridors. Deployed natively on Solana as an SPL token and across seven additional blockchains—including Stellar, which hosts the largest share of circulating supply through established remittance corridors—AUDD provides a multi-chain AUD rail for cross-border payment providers.

Zepz brings institutional-scale cross-border remittance infrastructure to Solana through the Sendwave Wallet, a USDC stablecoin application embedded within the Sendwave mobile app. Operating across 130+ countries and 5,000 transfer corridors, the company processes over $15 billion in annual volume through its WorldRemit and Sendwave brands, making it one of the largest remittance operators to deploy on a public blockchain. The Sendwave Wallet enables users to send USDC peer-to-peer across 100+ countries at near-instant speed, hold dollar-denominated balances without immediate conversion, and withdraw into local fiat through Zepz's existing partner network. Zepz selected Solana specifically for its low per-transaction fees and settlement finality, both of which suit the high-frequency, small-value transfers typical of remittance flows to the Global South.

Solana ATM is designed with remittances and emerging market access as explicit target use cases, offering a bankless cash-to-USDC conversion point for users outside the traditional financial system. By accepting physical cash and delivering USDC with Solana finality, the machine provides a plausible on-ramp for individuals looking to send digital dollars across borders without a bank account. The TextPay integration allows a user to send USDC to a recipient identified only by a phone number, lowering the barrier for cross-border transfers to both sender and receiver. The project addresses cost directly, citing average crypto ATM fees of 18 percent in Texas as the motivation for building a lower-cost alternative. Solana near-instant finality ensures that cash-to-USDC conversion is confirmed immediately at the machine, supporting use cases where time-sensitive remittance access matters. The low hardware cost of approximately 500 to 600 dollars for a 3D-printed enclosure with an off-the-shelf tablet is intended to make deployment feasible in markets underserved by conventional ATMs or money transfer operators.

Revolut was founded in 2015 as a prepaid travel card offering interbank exchange rates and has since grown into a full-service international money platform serving 70 million customers across 39 markets. Its accounts support over 150 fiat currencies with fee-free card payments globally and ATM withdrawals in 120 currencies, making cross-border financial access a core product pillar. International transfers, domestic and cross-border, remain among the most-used platform features for personal and business account holders. With Solana added as a settlement rail in December 2025, Revolut can route stablecoin remittances over a network with sub-second finality and near-zero fees. SOL, USDC, and USDT can be sent and received on-chain, enabling peer-to-peer transfers between Revolut accounts using Solana rails and withdrawals to external wallets. Business accounts extend these capabilities with invoicing, expense management, and corporate cards for SME cross-border use.