Cross-Border Payment Solutions

CargoBill addresses the structural inefficiency of international logistics payments by replacing SWIFT and legacy banking rails with stablecoin-denominated transfers on Solana. Cross-border payments between freight counterparties settle in seconds around the clock, eliminating delays that can hold up cargo and generate demurrage charges. The platform imposes no transaction size cap, making it suitable for both small carrier invoices and large freight settlements at the same flat cost. This 24/7 settlement capability directly removes the constraint of banking-hours restrictions across time zones. The Request feature enables businesses to send payment demands to counterparties globally without requiring those counterparties to pre-register on the platform, lowering onboarding friction for new logistics relationships. Non-custodial multisig controls and enterprise on/off-ramps allow companies to manage cross-border balances without ceding custody to a third party. CargoBill was founded in December 2024 and is based in the United States.

AvanChange has operated as a centralized multi-asset exchange since 2018, processing over 627,000 transactions for users in more than 30 countries. The platform converts value across cryptocurrency networks, fiat payment channels, and electronic wallets, providing pathways between digital assets and traditional payment infrastructure. It primarily targets users in Russia and the Commonwealth of Independent States who need to move funds across currency boundaries. Solana and Solana-network stablecoins such as USDC are among the supported assets. Supported payment rails include Russian bank transfer services such as Sberbank, Tinkoff, and Alfa-Bank, as well as international electronic wallets including AdvCash, Payeer, and PerfectMoney. US dollar flows are also supported, extending the service beyond a purely CIS-focused channel. The platform maintains approximately $39 million in aggregate reserves to execute exchanges without sourcing external liquidity on demand.

OxaPay's mass payout API enables platforms to distribute SOL and other assets to multiple recipients in bulk, directly serving freelance marketplaces, affiliate networks, and gig economy services with recurring cross-border payment obligations. No KYC or KYB documentation is required from merchants, simplifying deployment across jurisdictions with varying compliance requirements. Payouts are triggered programmatically through the Merchant API, so platforms can automate disbursements as part of their existing backend workflows. A flat 0.4% transaction fee keeps remittance costs predictable at scale, with no monthly fees eroding margins on high-volume distributions. Recipients can receive SOL or have funds auto-converted to USDT, and the Telegram Wallet integration lets recipients manage balances and swap assets without a separate wallet app. These features make OxaPay a practical rail for Solana-native platforms distributing rewards or service payments to distributed, global recipient bases.

INXY Payments' Send module enables businesses to execute mass cryptocurrency payouts across 193-plus countries, targeting the friction of traditional correspondent banking. Businesses fund a stablecoin float and disburse to affiliates, suppliers, freelancers, or employees with on-the-fly conversion. INXY claims cost savings of up to 80% over traditional wires by eliminating correspondent bank charges and currency spreads on international transfers. Settlement is same-day for stablecoin payouts and one to two business days for bank wire. INXY supports USDC disbursements on Solana as one of several available payout networks, citing its competitive transaction fees for bulk transfers. The platform targets affiliate networks, freelance platforms, gaming studios, and global SaaS businesses that need high-volume cross-border disbursements, all executed through the same REST API used by INXY's payment gateway and exchange modules.

AllTrust.me serves expats, freelancers, and travelers across the South Caucasus by bridging Georgian Lari and US dollars with major cryptocurrencies, enabling fast cross-border value transfers. Users can receive or send crypto directly, with USDT on Solana highlighted for its demand as a low-fee stablecoin transfer option. Physical exchange counters in Tbilisi, Batumi, and at Tbilisi International Airport support in-person cash-in and cash-out for those moving funds across borders. Licensed by the National Bank of Georgia as a Virtual Asset Service Provider, AllTrust.me enforces AML and KYC compliance on all transactions, offering a regulated alternative to informal remittance channels. The mobile app supports English, Georgian, and Russian to serve its multilingual expat user base, and bank integrations with TBC Bank and Bank of Georgia reduce friction for converting and repatriating funds throughout the region.

Ivorypay provides cross-border payment infrastructure that enables businesses in Africa to send payments to suppliers and contractors in markets such as China and India at significantly lower cost than traditional wire services. Operating as a bidirectional payment layer, the platform handles inbound stablecoin collections from international customers and outbound crypto or fiat payouts to international beneficiaries across 17 African countries. The company claims fees are 90% lower than traditional cross-border processors, a decisive advantage for African SMEs and NGOs operating across multiple currency jurisdictions. Ivorypay connects global stablecoin liquidity to African fiat infrastructure across its primary markets of Nigeria, Ghana, Kenya, and South Africa, settling to local bank accounts and mobile money wallets. It targets fintech companies embedding its rails into remittance apps, payroll systems, and marketplace products, as well as humanitarian organizations collecting donations and distributing aid internationally. Sub-Saharan Africa recorded approximately $205 billion in crypto value transacted in the 2024–2025 period — Nigeria alone accounting for $92.1 billion — reflecting the structural demand for the low-cost, high-speed cross-border payment infrastructure Ivorypay provides.

Vent Africa is a Nigerian fintech platform built around the friction of converting crypto remittances into spendable local currency. Founded after its creators experienced how slow and opaque it was for diaspora to send value home in crypto, the platform's EasyPay product lets users send BTC, SOL, USDT, USDC, or BNB to a deposit address and receive the Naira equivalent directly to a Nigerian bank account within seconds. The flow is non-custodial — crypto is not held on-platform between sends, and a fresh deposit address is generated each time. For users who prefer to preserve dollar-denominated value rather than immediately cashing out, Vent also offers SafeWallet, powered by its proprietary vUSD stablecoin backed 1:1 by reserves. This lets remittance recipients dollarize inbound crypto and convert to Naira on their own schedule. Serving over 50,000 customers with more than 23,000 monthly transactions, Vent is one of the more active crypto-to-cash remittance bridges serving Nigeria, Sub-Saharan Africa's largest crypto market by volume.

Busha is a Nigerian digital asset platform purpose-built to serve African users seeking regulated, accessible cross-border payment infrastructure. Through its B2B product line, Busha Business, the company provides stablecoin rails that enable African merchants, creators, and companies to receive international payments reliably and compliantly. In July 2026, Busha announced a collaboration with Tether specifically to expand stablecoin infrastructure for African businesses handling cross-border transactions. With support for Nigerian naira and Kenyan shilling as fiat pairs, Busha gives users a practical on- and off-ramp between local currencies and stablecoins such as USDT. Serving over one million users across Nigeria and Kenya — two of Africa's highest-volume crypto adoption markets — Busha is uniquely positioned as a licensed, local-first corridor for Africa-facing remittances. As naira depreciation has made stablecoin-based savings and cross-border transfers increasingly mainstream, Busha's compliance-first design and SEC licensing give it the regulatory footing to scale international value transfer across the continent.

Bitybank's Bity Payments product offers international digital dollar transfers designed to circumvent Brazil's IOF foreign exchange tax, positioning digital dollars as a practical alternative to traditional wire transfers. Built on the Bitypreço Group's cryptocurrency infrastructure, it leverages Circle Alliance access to USDC across multiple chains including Solana to facilitate cross-border payments for Brazilian users and businesses. Bitypreço, the group behind Bitybank, grew to handle roughly 13% of all Bitcoin transactions in Brazil before expanding into digital banking. Bity Payments sits alongside the Bitybank digital account, Biscoint price comparison, and the BityCaaS B2B platform as part of a suite of products aimed at reducing the friction and cost of moving money internationally for Brazilian users.

GeCrypto enables cross-border value transfer by allowing clients to convert cryptocurrency into fiat and send proceeds via SWIFT, SEPA, or ACH to international bank accounts. Founded in 2022 and licensed by the National Bank of Georgia as a VASP, the exchange operates from Tbilisi with a simple three-step process: verify identity, place an order, and receive funds by the agreed delivery method within one to three business days for international wires. This makes GeCrypto a practical bridge for individuals relocating internationally or managing assets across borders, a use case the company explicitly covers in its regularly updated educational blog. The exchange supports five major digital assets — Bitcoin, Ethereum, Solana, USDT, and USDC — with fiat settlement available in US dollars, euros, and Georgian lari. Corporate clients handling high volumes receive dedicated account managers and full AML documentation packages for their accounting and compliance needs. GeCrypto holds VASP license 0018-9404 under Georgia's VASP regulatory framework, making it one of the formally regulated fiat off-ramp options in the South Caucasus. The licensed status and physical office presence make it a reliable, regulated choice for cross-border remittance via crypto rails.

Recurrente enables Guatemalan and Central American SMBs to receive international payments through integrations with PayPal and Wise, alongside virtual bank accounts offering both Guatemalan and US banking details. This lets merchants accept ACH transfers and wire payments from US-based clients without needing a US business entity, critical in a country where US remittance flows are a major part of the economy. The platform also supports USDT and USDC stablecoin transfers as a parallel cross-border settlement channel, confirming on-chain in minutes. By combining card processing, stablecoin acceptance, and international transfer rails in one dashboard, Recurrente replaces the need for multiple financial institution relationships for SMBs serving cross-border customers. Merchants can receive dollar-denominated payments and settle in Guatemalan quetzals with no setup or monthly fees, making cross-border payment access practical for small businesses that previously lacked affordable options.

Tender's bulk disbursement feature distributes payments to multiple recipients in a single operation using USDC or XLM on the Stellar network, addressing payroll, reward distribution, and grant disbursement use cases where sending to many addresses individually would be operationally costly. Stellar's low-cost multi-send capabilities and anchor network for fiat corridors position this feature for emerging-market remittance flows, reducing per-recipient overhead significantly. The remittance capability extends through fiat payouts that convert USDC balances into local currencies via bank transfers or anchor integrations, bridging on-chain liquidity to traditional banking rails. Subwallets allow merchants to programmatically create custodial wallets for end users with deposit monitoring and internal transfer support, providing a building block for fintech apps that need to embed wallet experiences with fiat access in remittance-heavy markets.

Nana Wallet delivers near-instant cross-border money transfers from diaspora senders in the UK, US, and other global financial centers to recipients across Sub-Saharan Africa, settling in seconds via Solana stablecoin rails at a fraction of legacy wire costs. Traditional wire transfers to these corridors can take days and cost $28-52 per transaction; Nana eliminates that friction by leveraging USDC and USDT on Solana to move value cheaply and fast, with Solana sub-cent fees and 400-millisecond finality making the economics viable at scale. Recipients receive funds directly to local mobile money accounts including M-Pesa, MTN MoMo, Vodafone Cash, and Airtel Money, denominated in local currency equivalents including KES, NGN, GHS, and UGX, with live foreign exchange rates applied at the point of conversion. The app sponsors all blockchain gas fees on behalf of users, making every transfer free at the protocol layer, so neither sender nor recipient ever encounters crypto complexity during the transaction.

Myaza was built specifically to solve the intra-African remittance problem: cross-border payments within Africa cost the continent an estimated $150 billion per year in lost trade due to slowness, expense, and fragmentation. Founded in 2022, Myaza routes all settlements through USDC and EURC rather than correspondent banking, enabling money to move at internet speed regardless of which African currencies sit on either end of a transfer. Users can send funds to recipients in 21+ African countries in seconds, converting between naira, Kenyan shillings, Ghanaian cedis, Ugandan shillings, and other local denominations invisibly through stablecoin rails. The platform requires no traditional bank account — users receive funds through a unique @myaza-ID handle — dramatically lowering the barrier for Africa's unbanked population. The team's early experience showed traditional correspondent banking could not scale fast enough, making stablecoin settlement a core architectural decision rather than an afterthought. Myaza now serves 25,000+ registered users with 23% month-on-month growth, relying on Yellow Card — one of Africa's largest licensed stablecoin infrastructure providers — as a key liquidity and off-ramp partner to ensure last-mile local currency payouts across 20+ African nations.

Knit (useknit.io) offers a Trust Wallet product specifically oriented toward remittance use cases, where the platform acts as a payment service intermediary to facilitate cross-border value transfers in digital assets. Backed by Canada's FINTRAC registration as a Money Service Business, Knit provides the compliance and anti-money-laundering framework that regulated remittance operators must satisfy when moving funds across borders. Its infrastructure emphasizes stablecoin workflows and bridging across multiple blockchain networks, enabling businesses to transfer value internationally without exposure to native-token price volatility. Beyond the dedicated Trust Wallet remittance product, Knit's broader API layer — Collections, API Wallets, and programmatic Payouts — gives remittance operators the technical building blocks to automate end-to-end payment flows at scale. One-time deposit addresses, webhook-driven status notifications with replay capability, and IP-whitelisted payout controls reduce the operational complexity of managing high-volume cross-border transactions. Since launching in April 2024, Knit reports over $100 million in transaction volume, indicating meaningful traction among businesses seeking compliant, API-driven infrastructure for digital asset remittances.

Speed has found particular traction in regions where high remittance costs and limited banking infrastructure make Lightning-based transfers attractive. Bitcoin's Lightning Network enables transactions that settle in under two seconds with fees measured in fractions of a cent, making cross-border transfers dramatically cheaper than traditional wire services or competing blockchain networks. The platform's 180+ country footprint and multi-network stablecoin support give senders and recipients flexibility in how they move and hold funds. By supporting USDT on Lightning alongside delivery across Ethereum, TRON, and Solana networks, Speed lets users send from one network and receive on another — a practical capability for international remittance corridors. The 1.2 million user base and $1.5 billion in annual payment volume reflect real-world adoption beyond speculative use, and the Tether-backed funding round is earmarked for further global expansion targeting underbanked markets.

BoundlessPay is built around the cross-border money transfer problem facing users in Africa and other emerging markets. The platform handles collections, payments, and settlements across borders using stablecoins as the underlying settlement layer, removing the need for traditional correspondent banking rails. Its primary use case addresses the African diaspora remittance corridor, where sending money home via banks or conventional services often incurs fees of five to ten percent or more and involves multi-day settlement times. On-ramp and off-ramp functionality allows recipients to convert incoming stablecoin transfers into local fiat currency within seconds, a critical feature in markets like Nigeria where naira volatility makes dollar-denominated transfers especially valuable. The platform is incorporated in Nigeria and the British Virgin Islands, reflecting its dual focus on regulatory footing and geographic market reach. By routing remittances through USD-pegged stablecoins rather than traditional wire transfers, BoundlessPay aims to deliver faster and cheaper cross-border money movement for corridors underserved by incumbent providers.

Amulets addresses one of the most persistent pain points in cross-border money movement by enabling users to spend stablecoins internationally without the FX fees typically embedded in traditional payment cards and neobanks. The platform explicitly does not add a currency spread on USD-denominated purchases, positioning itself as a direct alternative to the toll-like fees that characterize international credit card and bank transfers. Reported use cases from its early access phase — which accumulated more than 2,000 registered users — include family remittances and cross-border commerce alongside everyday purchases and freelancer payments. The non-custodial architecture means users hold their own funds throughout the process, with the Visa card drawing on self-custodied stablecoin balances at the point of sale across more than 150 million accepting merchants worldwide. Built on Solana as the foundational settlement layer, the product leverages the chain's high throughput and near-zero transaction costs to make international payments both fast and economically viable. The bootstrapped team behind Amulets framed the project's motivation explicitly around removing friction from international payments, describing every fee in the existing system as a structural toll on cross-border commerce.

Bullring Finance delivers cross-border remittance infrastructure that routes value through stablecoin rails — primarily USDC and USDT on Solana, Ethereum, Celo, Polygon, Stellar, and Base — while presenting an entirely fiat-denominated experience to both senders and recipients. Businesses collect funds in local currencies (USD, BRL, EUR, GBP, NGN, GHS, TZS, ZMW, ZAR, AED, CNY, JPY, and more) and distribute to recipients in their native currencies, with the stablecoin settlement hop abstracted away. Settlement completes in under one minute, compared to two-to-five business days via traditional correspondent banking. Geographic coverage spans the Americas, Europe, Africa, and Asia/Middle East across major payment rails including ACH, PIX, SEPA, Faster Payments, and mobile money networks. The platform operates under Money Services Business licensing (FINTRAC Registration No. N300000030), runs automated AML/KYC on every transaction, and maintains immutable audit trails for regulatory compliance. Bullring's fee structure starts at approximately 0.1% per transaction with no platform fees, hidden spreads, or prefunding requirements — a cost profile that makes it particularly competitive for Africa- and Latin America-facing corridors where traditional correspondent banking fees are highest. Fintech companies, OTC desks, and payment service providers embed Bullring's rails as backend infrastructure to extend their own cross-border reach without establishing local banking entities market by market.

AstraBanq supports cross-border value transfers, enabling users and businesses to send and receive funds across international boundaries using crypto as the settlement rail. The platform targets the remittance market by offering an alternative to traditional wire transfers and money transfer operators, using stablecoins and other digital assets to deliver faster and lower-cost international payments than conventional banking channels typically provide. For users in regions with limited access to traditional financial services, AstraBanq's cross-border payment infrastructure offers a meaningful alternative for sending and receiving international payments. Solana's network characteristics — low fees, fast finality, and high throughput — make it well-suited as the underlying chain for a remittance-focused product, and AstraBanq leverages these properties to deliver international transfer capability that competes with incumbent money transfer services.

reply.cash is built specifically to close the gap between global stablecoin liquidity and the mobile money rails that hundreds of millions of Africans rely on daily. Senders holding USDC, USDT, or any of 181 supported tokens can load a reply.cash balance from 31 blockchains and deliver local currency directly to a recipient's M-Pesa, Airtel Money, MTN Mobile Money, or bank account in under 60 seconds. No crypto wallet is required on the recipient's side, and payments can even be initiated via WhatsApp, Telegram, or Twitter — dramatically lowering the barrier for senders reaching family or business partners in Kenya, Nigeria, Uganda, Ghana, Malawi, or DR Congo. The platform charges fees below 2% across all live corridors, directly undercutting traditional remittance operators that typically charge 5–8% while adding settlement delays of multiple days. Solana's sub-second finality and sub-cent fees make it a natural top-up rail for time-sensitive African payments, and reply.cash integrates natively with Phantom, Solflare, Backpack, and Jupiter wallets. With planned expansion to Latin American corridors including Brazil's PIX network and Colombia's Breb system, the platform is positioning crypto-powered remittances as a mainstream alternative to legacy wire services.

Novacrust addresses one of the sharpest pain points in emerging markets: receiving international earnings and converting them to local currency without relying on slow peer-to-peer crypto trading or legacy remittance services. The platform lets users open a global USD account that accepts ACH and Wire transfers from US banks, PayPal, Zelle, Cash App, and Revolut, then routes payouts to local bank accounts and mobile money wallets — including M-Pesa and MTN Mobile Money — across more than 50 countries, typically completing within minutes. For Solana users specifically, Novacrust functions as a direct fiat off-ramp: native SOL, Solana-based USDC, or USDT can be deposited and converted to Nigerian Naira, Kenyan Shillings, Ghanaian Cedis, Indian Rupees, or dozens of other local currencies without first routing through a centralized exchange. Founded in November 2024 and active through mid-2026, the platform has grown to over 10,000 users, with its community concentrated in West and East Africa where cross-border payment friction is most acute for freelancers and entrepreneurs earning in foreign currencies.

Roqqu is a multi-jurisdiction cryptocurrency exchange designed to serve as a fiat-to-crypto bridge for African users, with particular relevance for cross-border remittance flows between Africa and the diaspora. The platform holds a European Economic Area virtual currency license obtained in January 2023, enabling euro-denominated transactions for diaspora users sending value back to Nigeria, Ghana, or Kenya. With local banking rails integrated across Nigeria, Ghana, and Kenya via M-Pesa, Roqqu provides a practical corridor for cross-border value transfers at reduced cost compared to traditional remittance services. Following its acquisition of Nairobi-based crypto exchange Flitaa in July 2025, Roqqu has expanded its East African presence, strengthening its position as a cross-border financial services provider serving more than 1.8 million registered users across the continent.

Tapnob is a Bitcoin-native remittance platform built for Nigeria, enabling global senders to pay in Bitcoin or stablecoins while recipients receive Nigerian Naira directly in their bank accounts within seconds. The platform launched in July 2025, targeting a market plagued by double-digit remittance fees and multi-day settlement delays. Tapnob was built by a team from Kaduna, Nigeria, and received backing from the Human Rights Foundation Bitcoin Development Fund. Tapnob replaces Nigeria's fragmented peer-to-peer broker network with an automated Lightning Network settlement layer, eliminating counterparty risk and locking in exchange rates at transaction time. Recipients need no crypto knowledge — they register once and share a reusable Tapnob Address to receive payments from any Bitcoin sender globally. Within weeks of launch the platform processed over 1,500 transactions totaling around fifteen thousand dollars, and by end of 2025 reported millions in total volume.

Raenest provides African freelancers, remote workers, and small businesses with dedicated USD, GBP, and EUR bank account numbers that international clients and platforms can pay into directly. Funds are accessible through local bank transfers, a global Visa card, or on-platform holding, replacing an expensive chain of intermediaries with a single regulated account. The platform handles currency conversion internally, and its Raenest Fasttrack feature settles Upwork withdrawals within one hour rather than the standard multi-day window. Cross-border flows on Raenest extend to stablecoin rails, with USDC and USDT accepted on five blockchain networks including Solana and automatically converted to USD at a 1:1 rate with no deposit fee. By October 2025, the platform had served over one million users and processed more than two billion dollars in payments, building a track record across African markets where traditional cross-border banking has historically been slow and expensive.

When Block built its USDC stablecoin transfer feature for Cash App, cross-border payments and remittances were a central use case. Product teams evaluated several blockchain networks and cited Solana's throughput of roughly 2,600 transactions per second, sub-second finality, and average transaction fees under a fraction of a cent as characteristics suited to consumer remittance economics, where traditional correspondent banking is slowest and most expensive. The stablecoin transfer feature allows verified Cash App users to send USDC to external blockchain addresses on Solana and three other networks, with limits of $2,000 per day and $5,000 per week on outgoing transfers. Cash App converts dollars to USDC and handles the on-chain transaction on the user's behalf at no charge, making cross-border transfers accessible to roughly 59 million users without requiring them to manage wallets, private keys, or gas fees.

Western Union, which processes over $102.9 billion in cross-border transfer principal annually across 200+ countries and 360,000+ agent locations, built USDPT to replace correspondent banking settlement with a Solana-native stablecoin offering near-instant, 24/7 finality. The stablecoin directly targets the idle float and multi-day settlement delays that characterize traditional SWIFT-based remittance infrastructure. The consumer product, Stable by Western Union, delivers USDPT to remittance recipients through a mobile wallet paired with a Visa card, redeemable at merchants or convertible to cash at agent locations in 40+ countries. A Crossmint developer integration further allows any Solana application to send USDPT on-chain while recipients cash out through Western Union's existing physical agent network.

Gusto launched same-day USDC stablecoin payouts for international contractors in March 2026, addressing a specific pain point: conventional international wire transfers routinely take three to seven business days to settle. Payments route through Zerohash's regulated infrastructure and settle on Solana in under one minute, eliminating correspondent banking delays and providing a transparent on-chain payment record for both employer and contractor. The feature covers more than 200 jurisdictions and targets the 11 percent of Gusto's customer base managing international contractor relationships. USDC's 1:1 dollar peg protects contractors in volatile-currency markets from exchange-rate risk at settlement, and Zerohash handles compliance screening and transaction monitoring across all supported regions.

SoFi Pay is a 24/7 remittance and payments service that uses stablecoin settlement in place of traditional correspondent banking rails. Powered by SoFiUSD, SoFi's bank-issued stablecoin, the service targets international money transfers with lower friction and continuous availability. The product is integrated within the SoFi app alongside banking, lending, and investment services. SoFi Bank, N.A. issues SoFiUSD with reserves held at the US Federal Reserve, giving the settlement instrument a regulatory standing unavailable from non-bank remittance providers. Solana's low fees and near-instant finality were cited by SoFi's Head of Business Banking as the reason the network was selected for consumer payment volume. For SoFi's 14.7 million members, remittances can settle on-chain directly from FDIC-insured accounts without moving funds between institutions.

Traveeqo integrates SarafSend, a cross-border money transfer and remittance service, directly into its travel platform alongside flights, hotels, and eSIM services. Rather than treating remittances as a standalone financial product, SarafSend is designed for travelers and expatriates who move value across borders as a routine part of their financial life. The goal is to eliminate the need for separate money transfer applications when managing cross-border logistics. The feature targets a practical gap that affects digital nomads, remote workers, and business travelers who regularly send money internationally. By embedding remittances into a travel-first interface, Traveeqo positions cross-border value transfer as a natural extension of the cross-border lifestyle, reducing the friction and hidden fees associated with legacy banking rails.

Saber Money provides B2B stablecoin infrastructure for cross-border payment corridors, replacing correspondent banking rails with on-chain settlement. The platform converts fiat deposits into USDC or USDT, settles in roughly ten seconds, and delivers local fiat currency through regulated partners in 40-plus countries. Remittance apps, neobanks, and payroll providers integrate its API to offer near-zero-cost transfers without building their own banking relationships or compliance stacks from scratch. Published deployments include Clink, a US-India remittance app serving non-resident Indians with same-day delivery via UPI and IMPS, and SBNRI, which powers NRE account services through the infrastructure. Saber holds a Money Services Business registration in Canada with licenses across five-plus jurisdictions, and has processed over $3 billion in cross-border payments as of mid-2026.

Seamount is built around the cross-border payment problem facing SMEs and freelancers in markets where correspondent banking is slow and expensive. Its integration with Flutterwave and Paystack allows users in Sub-Saharan Africa to move between local currencies and stablecoins without relying on traditional wire transfer infrastructure. The multi-chain wallet approach spanning Solana, Bitcoin, Ethereum, and three other networks means counterparties across regions are not locked into a single chain for receiving funds. Headquartered in Nairobi, Kenya, and oriented around African fiat on-ramp and off-ramp infrastructure, Seamount positions cross-border stablecoin transfer as its primary real-world use case rather than a secondary feature.

Trustyfy offers cross-border payment functionality that uses stablecoin rails for settlement where applicable, converting to fiat at the destination. The service pairs this with IBAN-style multi-currency accounts supporting euro-denominated deposits, withdrawals, and international bank transfers at competitive rates compared to traditional wire services. This infrastructure serves both individual users moving money across borders and Web3-native businesses managing international treasury operations. The platform has explicitly targeted expansion into Asia and Africa alongside its core European operations, citing underbanked populations that hold crypto as a store of value but lack access to reliable fiat banking infrastructure. Stablecoin settlement helps bypass correspondent banking fees and delays that make traditional remittance corridors expensive, particularly for smaller transfer amounts where fixed fees erode a larger share of value.

ZendWallet provides cross-border payment infrastructure designed specifically for African individuals and businesses. The platform routes international transfers through USDC and USDT stablecoin rails, allowing African companies to pay overseas suppliers in USD, CAD, EUR, or GBP while funding transactions from local currency balances. On the receive side, the platform converts stablecoins to local fiat and disburses directly to bank accounts in Nigerian naira, Kenyan shilling, South African rand, and Ghanaian cedi. For retail users, the stablecoin-to-fiat off-ramp is the primary draw, offering low-cost international transfers that bypass the high fees and friction of traditional banking correspondent networks. Built by Lagos-based Zendwa Technologies Limited, ZendWallet targets users in Nigeria, Kenya, South Africa, and Ghana who need accessible cross-border payment options. The platform combines KYC compliance, mobile app availability, and stablecoin liquidity to offer a regulated, practical pathway for African users to participate in global payments infrastructure.

Kaprex is a cross-border payments platform that uses stablecoin rails to move money internationally without traditional correspondent banking intermediaries. Users receive virtual bank accounts in USD, EUR, and GBP, allowing them to accept wire transfers, ACH, and SEPA payments into Kaprex without needing local bank relationships in each currency. Received funds are converted into stablecoins and held through Stripe Bridge infrastructure, with settlements completing in seconds rather than the days required by legacy systems. The platform targets the remittances market directly, with dedicated support for African payout corridors including Nigerian naira and Kenyan shilling disbursements. This makes Kaprex particularly relevant to diaspora workers and remote freelancers who need reliable cross-border income access at competitive rates. Exchange rates are sourced on-chain through currency swaps and passed to users without hidden markup, a deliberate contrast to legacy remittance providers whose revenue depends on opaque spread charges.

Netaro provides enterprise cross-border settlement rails that route B2B payments through USDC and USDT, replacing multi-bank SWIFT chains with direct stablecoin pathways that clear in under 60 minutes. The platform targets the US-APAC and US-Middle East corridors, where traditional correspondent banking chains typically involve two to five intermediary banks, take two to five business days, and consume three to five percent of transaction value in combined fees and FX spread. For enterprises in manufacturing, oil, pharmaceuticals, and logistics, Netaro claims costs of 0.1 to 1 percent with FX conversion at 3 to 5 basis points on G20 currency pairs and a sub-0.1 percent failure rate. From the corporate user perspective, the entire cross-border settlement process is abstracted into familiar fiat payment initiation and receipt, while stablecoins serve as the settlement medium behind the scenes without exposing users to wallets or on-chain mechanics.

Madhouse Wallet provides a B2B stablecoin off-ramp API that converts USDC into local fiat currency across 85 currencies, specifically targeting cross-border payment corridors in Africa, Asia, and Latin America. The platform routes payouts through M-Pesa, UPI, SEPA, ACH, and SWIFT, allowing wallets and fintech applications to offer seamless cash-out options without building separate banking integrations for each corridor. Disbursement timelines run from near-instant for mobile money networks to one to two business days for bank transfers, depending on the destination country and payout rail. As a B2B infrastructure layer, Madhouse Wallet is designed for integration rather than consumer use — developers embed the API to power their own remittance products, pay contractors across borders, or deliver stablecoin earnings to recipients who prefer local fiat. The combination of stablecoin input and fiat output on a single API surface makes it a practical tool for any application serving users in markets where USDC is more accessible than traditional banking.