Case Study: From MVP to Global Reach — How a Fintech Startup Used TransFi to Expand to 12 Markets

When you're launching a fintech product, early growth usually depends on nailing a specific use case in a specific market. But what happens when your users start coming from everywhere—and your payment infrastructure isn’t ready?

This is exactly what one fintech startup faced after launching its MVP. Their product, a simple digital wallet for saving and sending stablecoins, gained traction faster than expected. But soon, demand came from outside their home country—and their roadmap needed to adapt quickly.

Here's how they went from a local launch to live in 12 countries by partnering with TransFi.

The Starting Point: Local MVP, Global Interest

The startup began by solving a very specific problem: helping users in one region easily save in USDC to protect against local currency volatility. They integrated with one payment method and launched an MVP that worked well—until word spread.

Soon, they were getting requests from users in other countries asking:
“Can I use this too?”

Unfortunately, the answer was no. The product wasn’t built for cross-border payments yet. They had no banking partners, no coverage outside their original country, and no plans to build all of that themselves.

The team needed a faster path to scale.

The Shift: Integrating TransFi for Local On-Ramps

Rather than spend months negotiating with banks and building local infrastructure, they decided to integrate TransFi’s fiat-to-stablecoin API.

With one integration, they gained access to local payment methods in 12 markets—everything from bank transfers in Nigeria to UPI in India and mobile money in Kenya. Users could now buy USDC or USDT using the payment rails they already trusted.

There was no need to open local bank accounts, no complex compliance setup, and no expensive licensing.

What Changed: Real-Time Global Access

After integrating TransFi, the fintech’s product instantly became more usable across borders. Key improvements included:

USDC access via local rails in 12 new markets
Drop-in API integration that fit into their existing stack
Fully compliant KYC/KYB flow managed by TransFi
Reliable settlement times and transparent pricing

This allowed the team to focus on user experience and growth—not infrastructure.

The Results: 8x Growth and a Real Global Launch

Within three months of launch with TransFi:

Monthly active users increased 8x
65% of new users came from outside their original market
75% of fiat-to-crypto transactions were powered by TransFi
The company delayed any plans for acquiring banking licenses or expanding compliance teams

By skipping traditional banking infrastructure, they were able to scale globally without slowing down product development.

Why It Worked: One Integration, Multiple Markets

Most fintech startups break down when trying to scale internationally because of payment complexity. TransFi simplified that—by providing access to dozens of local rails through a single API.

The startup didn’t have to hire regional teams, rework their wallet UX, or manually handle compliance. It all just worked.

And because their users could buy stablecoins with local money instantly, activation rates went up, and retention followed.

Also read: Cape Verde’s Payment Rails & How They Work – Sociedade Interbancária, Card Systems & Digital Banking

Final Thoughts

For fintech startups, global expansion doesn’t have to mean rebuilding from scratch. In this case, one smart integration helped a lean team go from MVP to global reach—without the usual barriers.

TransFi made it possible to move quickly, stay compliant, and give users what they actually needed: easy, local access to stablecoins.

If you're building a fintech product and thinking globally, you don’t need to start with banking licenses. Sometimes, you just need the right rails.

FAQ

1. What is TransFi and how does it help fintechs?
TransFi provides a fiat-to-crypto API that allows fintech apps to enable stablecoin purchases through local payment methods in multiple countries—without needing banking partnerships.

2. Can TransFi be used without a banking license?
Yes. TransFi handles the compliance and local infrastructure, so fintechs can offer fiat on-ramps without holding their own banking licenses.

3. What stablecoins does TransFi support?
TransFi supports popular stablecoins like USDC and USDT, enabling secure and fast global transactions.

4. How long does it take to integrate TransFi?
Most teams can integrate TransFi’s API in a single sprint, making it a quick and efficient solution for global expansion.

5. Which countries does TransFi support?
TransFi provides access to local payment rails in 80+ countries, including emerging markets in Africa, Asia, and Latin America.

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Effortless Cross-Border Payment Collections

As the world becomes more interconnected and businesses engage in global trade, the seamless collection of payments from across the globe is increasingly important. Whether you're an eCommerce merchant, a freelancer, or a global enterprise, TransFi’s Collections make collecting payments from customers and partners worldwide not only easy but also secure and efficient. TransFi eliminates unnecessary delays and currency exchange complexities, ensuring your funds are always readily accessible. Our Collections product provides a fully compliant, scalable payment infrastructure with support for over 50 currencies, offering instant settlements in stablecoins or other fiat and digital currencies.

By using TransFi’s Collections, businesses can provide their customers with easy-to-use and familiar local payment options. Our Collections product not only automates business payments but also streamlines global transactions, ensuring the utmost efficiency and reliability for businesses worldwide.

Global Payment Collection, Simplified

Due to differences in regulations, methods of payment, and currency exchange rates, international payments can be difficult to manage. TransFi Collections overcomes these barriers by providing a single platform for companies that allows for multiple methods of payment, such as bank transfers, e-wallets, and stablecoin settlements. This enhances operational efficiency and reduces manual work by allowing businesses to track, manage and reconcile payments through a single dashboard.

TransFi allows businesses to automatically generate and manage invoices, attach supporting documents, and issue reminders to customers to foster effective collections. This proactive approach reduces payment disputes and delays, all while improving cashflow and financial management.

Seamless Payment Collection Experience for Businesses and Customers

TransFi Collections is designed to give businesses an efficient and smooth payment solution with the assurance of a secure and frictionless customer experience. Through our platform, businesses can accept payments in local currencies and convert automatically to stablecoins or fiat, making the hassles of currency exchange a thing of the past. With rapid and trusted settlement, businesses do not have to wait for slow international banking processing times anymore, gaining quicker access to funds. Our APIs can also be incorporated directly within the platforms of businesses, minimizing manual intervention and facilitating payment processing. TransFi Collections also provides real-time insight into transactions using different analytics and reporting tools, empowering businesses with key insights. No matter your requirement, be it managing recurring payments, processing single invoices, or dealing with bulk collections, our solution automates payment workflows to reduce administrative efforts and maximize efficiency. By simplifying the payment processes for both companies and their clients, TransFi Collections optimizes financial operations so that firms can concentrate on development and customer satisfaction without worrying about delays in settlement or complicated integrations.

Benefits of Partnering with TransFi for Cross- Border Payment Collections

Collaborating with TransFi for cross-border payment collections guarantees an efficient and seamless process for companies across the world. With borderless payment collection, companies can receive payments anywhere in the world without having to go through different banking networks or paying high conversion charges. TransFi Collections allows companies to collect money from foreign customers through local payment channels, thus providing greater reach and conversion rates. Real-time settlements remove the delays of traditional banking and allow payments to be made in stablecoins or fiat instantly, providing continuous cash flow. Automated invoice processing streamlines payment processes, saving manual labor and boosting efficiency by creating invoices, adding required documents, and sending timely reminders. Scalable API integration enables businesses to seamlessly integrate TransFi Collections into their current platforms, making global payment collection scalable and efficient. Advanced security and compliance provide the assurance that all transactions are encrypted, secure, and regulated to the highest standards. TransFi Collections is not merely a payment gateway but a full suite of solutions empowering businesses with scalable, compliant, and efficient payment collection services. Whether you collect payments from suppliers, freelancers, or international customers, our platform provides timely, cost-saving, and secure transactions. Step into a digital future of payments with TransFi and feel the force of borderless, seamless collections.

Empower Your Business with TransFi Payment Collections

TransFi Collections is not only a payment gateway but a complete solution that empowers businesses operating across borders with secure, cost-effective, compliant, as well as scalable payment collection tools. From payment collections for goods and services to e-commerce transactions, TransFi Collections provides effortless, secure, and instantaneous settlements.

With TransFi, businesses can experience the future of digital payments and the power of borderless and hassle-free collections. Our user-friendly dashboard facilitates seamless transactions and allows businesses to collect payments against goods and services, experiencing transaction speeds in seconds. Freelancers and influencers can also benefit from real-time transactions, enhancing the efficiency of their global payment collections. Using our secure and scalable stack, e-commerce businesses can achieve 90%+ conversion rates, 99%+ uptime, and low latency, ensuring enterprise-level performance.

Integrate TransFi Collections with your business and experience secure, seamless, and scalable payments that are not only efficient and reliable but also globally compliant.