Case Study: How a B2B Payments Company Shifted to Stablecoins via TransFi for Instant Global Settlements

In the world of B2B cross-border payments, speed and cost control can determine whether a business stays competitive. For one international payments company, settlement times of 2–5 days through SWIFT were no longer acceptable for their customers, many of whom operated in fast-moving global trade.

Their solution? Partnering with TransFi to shift settlement flows from traditional banking rails to stablecoins, enabling instant global settlements for their clients.

The Challenge: Legacy Payment Delays

The payments company specialized in facilitating cross-border B2B transactions for import/export businesses, logistics providers, and service companies. But their existing setup faced three core issues:

Slow settlement times – International bank transfers often took multiple business days, creating cash flow bottlenecks.
High FX and transfer fees – Each payment involved intermediary banks, currency conversions, and layered costs.
Poor transparency – Clients had limited visibility on payment progress, leading to frequent support inquiries.

For their customers, delays could mean missed shipments, broken contracts, and strained supplier relationships.

Why TransFi Was the Game-Changer

The company explored blockchain-based settlements but didn’t want to build its own infrastructure or navigate complex licensing. They needed:

Instant settlement capabilities across multiple markets
Regulatory compliance without internal legal overhead
Support for USDC and other stablecoins to avoid crypto volatility
Seamless integration with their existing B2B payment platform

TransFi’s stablecoin payment infrastructure checked every box. With local payment rails in 100+ countries and instant USDC transfers, the company could give customers near-real-time settlements without touching the complexity of custody or crypto exchange operations.

Integration: Minimal Development, Maximum Impact

By integrating TransFi’s API, the payments company added a stablecoin settlement option to their existing dashboard. Clients could now:

Initiate a cross-border payment in their local currency
Have funds instantly converted into USDC via TransFi’s on-ramp
Settle directly to the recipient’s wallet anywhere in the world — often in under 60 seconds

The shift required weeks, not months, to deploy because TransFi handled compliance, KYC, and crypto liquidity in the background.

The Results: Instant Payments, Happier Clients

Within 90 days of launch, the company saw measurable improvements:

Settlement times cut by 98% – from 2–5 days to under a minute in most cases
Costs reduced by 40% – fewer intermediary fees and no repeated FX conversions
Higher client retention – customers who adopted stablecoin settlement increased monthly transaction volume by 65%

For many clients, this wasn’t just a cost savings — it fundamentally changed how they operated. Importers could pay overseas suppliers the same day they received an invoice, and logistics companies could release goods without waiting for bank confirmations.

Impact on Global Trade Clients

Before TransFi:

Payments delayed shipments by days
Businesses kept large cash reserves to offset settlement lag
FX volatility sometimes increased the total cost of goods

After TransFi:

Same-day supplier payments improved trust and delivery speed
Cash flow management improved — less capital tied up in pending payments
Stablecoin settlements provided predictable, transparent costs

Key Takeaways for B2B Payment Providers

Stablecoins solve settlement lag – For global B2B transactions, speed is as critical as cost.
Local rails + blockchain = scale – Combining familiar fiat payment methods with stablecoin transfers creates a smooth user experience.
API-first integration accelerates rollout – No need to reinvent infrastructure; partner with a provider that handles liquidity, compliance, and payouts.
USDC is enterprise-friendly – Stablecoins pegged to the dollar minimize volatility concerns for corporate clients.

From Competitive Pressure to Competitive Advantage

Before integrating with TransFi, the payments company was facing pressure from newer fintech competitors offering faster settlement options. By leveraging B2B crypto payment rails, they not only caught up but leapfrogged into a stronger market position.

Their marketing shifted from “low-cost transfers” to “instant global settlements”, appealing to businesses frustrated with slow, opaque bank processes.

Also read: Burkina Faso’s Payment Rails & How They Work – Orange Money, GIM-UEMOA & Financial Inclusion Efforts

Conclusion:

This case shows how B2B payments companies can modernize their infrastructure without heavy in-house development. By partnering with TransFi, this provider replaced slow SWIFT wires with instant, cost-efficient stablecoin payments — giving their clients a faster, more predictable way to move money globally.

FAQ

1. What are the benefits of using stablecoins for B2B payments?
Stablecoins offer near-instant settlements, lower fees, and predictable costs compared to traditional cross-border transfers.

2. Why choose USDC for international business payments?
USDC is a regulated, dollar-pegged stablecoin that minimizes volatility, making it ideal for corporate settlements.

3. How does TransFi simplify stablecoin adoption for payment companies?
TransFi provides APIs, compliance tools, and global payment rails so companies can integrate stablecoin payments without building their own infrastructure.

4. Can stablecoin settlements replace SWIFT transfers completely?
In many cases, yes — especially for high-speed, cross-border B2B transactions that require faster liquidity.

5. How quickly can a business integrate TransFi’s stablecoin solution?
Most businesses can go live in weeks, thanks to TransFi’s plug-and-play API and turnkey compliance support.

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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.

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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.