Case Study: Why EMIs Are Turning to TransFi for Faster Cross-Border Settlements

8 Min

September 9, 2025

Electronic Money Institutions (EMIs) are at the core of the modern payments ecosystem, enabling digital wallets, prepaid cards, and mobile-first financial services. But when it comes to cross-border settlements, most EMIs remain tied to outdated infrastructure: slow bank rails, high FX costs, and limited transparency.

This case study explores why EMIs are increasingly adopting TransFi’s stablecoin settlement infrastructure to power faster, cheaper, and more scalable global payment flows.

The Challenge: Settlement Bottlenecks for EMIs

For EMIs expanding internationally, traditional cross-border settlement comes with significant pain points:

  • 2–5 day settlement cycles for global transfers.
  • High FX conversion costs cutting into margins.
  • Complex correspondent banking layers, adding operational overhead.
  • Limited visibility into real-time liquidity.

As customer expectations shift toward instant global payments, EMIs must modernize their settlement processes or risk losing competitiveness.

The Solution: TransFi Stablecoin Settlement Infrastructure

By integrating TransFi’s stablecoin payment rails, EMIs gain access to instant, secure, and cost-efficient settlement capabilities across borders.

Key benefits include:

  • Faster Cross-Border Settlements – stablecoin transfers settle in seconds, not days.
  • Multi-Currency Support – EMIs can leverage USDC, USDT, and other digital assets for global liquidity.
  • Compliance-Ready EMI Payment Solutions – enterprise-grade KYC/AML tools built into the infrastructure.
  • Seamless EMI Crypto Integration – simple APIs to add stablecoin rails alongside existing fiat processes.
  • Scalable Settlement Infrastructure – enabling EMIs to expand into new markets quickly.

The Results: EMIs Accelerating Global Growth

After adopting TransFi’s stablecoin settlements for EMIs, partners achieved:

  • Settlement speed improvement – from 2–3 days to under one minute.
  • FX cost reductions – up to 40% savings on cross-border transfers.
  • Higher customer satisfaction – merchants and end-users experienced near-instant payouts.
  • Operational efficiency – treasury and reconciliation processes simplified.

One EMI shared:

“With TransFi, we eliminated settlement bottlenecks. Our merchants now get paid instantly, which has boosted retention and loyalty across our platform.”

Why EMIs Choose TransFi

EMIs partner with TransFi because it offers:

  • Stablecoin settlement infrastructure purpose-built for EMIs.
  • Global reach with 100+ countries and 250+ local rails.
  • Security and compliance-first architecture for regulated entities.
  • Future-proof expansion tools for digital assets and next-gen payment methods.
Also read: Ecuador’s Payment Rails & How They Work – Sistema de Pagos Interbancarios & Mobile Wallets

Conclusion

The payments industry is moving toward instant cross-border settlements, and EMIs are leading the charge by embracing stablecoins. With TransFi’s EMI payment solutions, institutions unlock faster settlements, reduced FX costs, and a global-ready infrastructure—helping them scale in an increasingly competitive market.

FAQs

1. Why are EMIs adopting stablecoin settlements?
Because stablecoins enable instant global payments, lower costs, and better liquidity management.

2. How does TransFi support EMIs with compliance?
TransFi provides enterprise-grade KYC, AML, and transaction monitoring for regulated entities.

3. Which stablecoins are supported by TransFi?
TransFi supports USDC, USDT, and other leading digital dollars.

4. Can EMIs integrate TransFi without replacing existing systems?
Yes, TransFi offers API-first integration that complements legacy fiat processes.

5. What’s the biggest benefit for EMIs using TransFi?
Faster cross-border settlements with reduced FX costs, while remaining compliance-friendly.

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