Case Study: How a Neobank Added Dollar-Based Savings Through TransFi Integration

For many customers in emerging markets, saving in local currency can be risky. Inflation, currency devaluation, and capital controls erode purchasing power and limit financial freedom. Neobanks are uniquely positioned to solve this problem — but building secure, compliant access to dollar-based savings is complex and resource-intensive.

One neobank overcame this challenge by integrating TransFi’s stablecoin infrastructure, enabling its customers to seamlessly convert local currency into USDC savings accounts.

This case study highlights how the neobank transformed its product offering with stablecoin savings integration, giving customers access to a crypto-powered, dollar-denominated account while unlocking new revenue opportunities.

The Challenge: Demand for Dollar Savings, Limited by Legacy Banking

The neobank identified a consistent demand from its customer base:

Inflation Concerns – Customers wanted a safe way to store value in U.S. dollars.
Limited Banking Access – Opening dollar-denominated accounts through traditional banks was costly and restricted.
High FX Conversion Costs – Converting local currency into USD came with hidden fees and delays.
Competitive Market – Other fintechs were beginning to explore dollar-linked savings products.

Without an efficient dollar-savings solution, the neobank risked losing customers to competitors offering more innovative products.

Why the Neobank Chose TransFi

The neobank partnered with TransFi to embed a stablecoin-powered savings feature into its platform. The choice came down to several key advantages:

USDC Infrastructure – TransFi’s rails enabled direct conversion of local fiat into USDC stablecoins.
White-Label APIs – Allowed the neobank to offer dollar savings under its own brand.
Compliance-Ready – TransFi’s infrastructure aligned with KYC/AML requirements.
Cross-Border Reach – Customers across multiple regions could access dollar savings instantly.
Seamless UX – No need for customers to interact with crypto wallets; all handled natively within the app.

With TransFi, the neobank could roll out a crypto-powered savings account without building blockchain infrastructure in-house.

How the Integration Works

The process was designed to feel simple and intuitive for customers:

Customer Deposits Local Currency – Funds are added via existing payment rails.
Instant Conversion to USDC – TransFi converts deposits into USDC stablecoins in real-time.
Savings Dashboard – The neobank app displays the balance in dollar terms, giving customers financial stability.
Withdraw Anytime – Customers can convert back to local currency or send USDC cross-border.

Behind the scenes, TransFi’s stablecoin infrastructure powers the entire flow, while the neobank retains full branding and customer ownership.

The Results

The impact was transformative for both customers and the neobank:

Dollar Savings for All – Customers gained access to safe, stable USD-denominated savings without traditional banking barriers.
Faster Market Entry – The neobank launched the feature in weeks instead of years of development.
Increased Deposits – Customer savings balances grew by 40% within three months.
New Revenue Streams – The neobank earned spreads and transaction fees on stablecoin conversions.
Competitive Differentiation – Positioned itself as a pioneer in dollar-based digital banking.

A product manager at the neobank shared:

“With TransFi, we brought dollar savings to our users almost overnight. Our customers now feel protected against inflation, and we’ve seen a sharp increase in deposits and retention.”

Why This Matters for Neobanks

This case demonstrates how TransFi helps neobanks innovate faster:

Protect Customer Savings – Give users a hedge against inflation with stablecoin-denominated accounts.
Expand Globally – Offer cross-border, dollar-based savings without needing legacy banking partners.
Differentiate in Crowded Markets – Stand out with a future-proof savings product.
Generate Revenue – Unlock new income streams via FX spreads, fees, and transaction volumes.
Accelerate Time-to-Market – Deploy compliant, white-label solutions in weeks.

Also read: São Tomé and Príncipe’s Payment Rails & How They Work – Mobile Banking & Emerging Digital Systems

Conclusion

As customer demand for dollar-denominated savings grows, neobanks need solutions that are scalable, compliant, and user-friendly. By integrating TransFi’s stablecoin infrastructure, this neobank empowered its users with access to USDC-based savings, strengthened its product portfolio, and unlocked new growth opportunities.

For fintechs, the message is clear: crypto-powered savings are the next frontier of digital banking.

FAQs

1. Do customers need a crypto wallet to use this feature?
No — the experience is fully embedded within the neobank app, powered by TransFi’s infrastructure.

2. Which stablecoin is used for savings?
The integration was powered by USDC, a trusted and regulated stablecoin.

3. Is the solution compliant with financial regulations?
Yes — TransFi ensures KYC/AML compliance across all supported regions.

4. Can customers withdraw their savings anytime?
Yes — funds can be converted back into local currency instantly.

5. How fast can neobanks deploy this feature?
Most partners launch within a few weeks using TransFi’s plug-and-play APIs.

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