Case Study: Enabling Borderless Banking — How a Fintech Partner Used TransFi to Add Stablecoin Support

When a growing fintech platform set out to offer true global payment access to its users, it ran into the same wall many others do: traditional banking infrastructure wasn’t built for the modern, mobile-first, cross-border world. Transfers were slow. Fees were high. And building partnerships with banks in multiple countries was expensive and time-consuming.

Instead of going down that path, the company made a strategic pivot. It integrated stablecoin support using TransFi—and in doing so, unlocked a faster, more inclusive way to move money across borders.

This is the story of how one fintech company enabled borderless banking for its users by building with stablecoins—and why others in the space are following suit.

The Problem: Traditional Cross-Border Payments Don’t Scale

The fintech’s platform was designed to help users send, receive, and store money in different currencies from a single mobile app. Its target market? A mix of freelancers, remote workers, digital nomads, and small businesses operating across emerging markets.

But despite its sleek interface and growing user base, one thing kept holding it back—global payments. Specifically:

Bank wires took days and sometimes failed due to compliance issues
Building relationships with local banking partners in every region wasn’t feasible
Transaction costs were eating into margins for both the company and users
Currency fluctuations created unnecessary risk

The team needed a way to move value across borders that was fast, low-cost, and globally accessible. That’s where stablecoins—and TransFi—came into the picture.

The Turning Point: Integrating TransFi for Stablecoin Support

The fintech already had users in over a dozen countries and needed a partner that could help it implement stablecoin functionality without months of development work or legal uncertainty.

TransFi provided a straightforward solution: a fiat-to-crypto API built specifically for fintechs, enabling stablecoin top-ups, transfers, and cash-outs, even in countries without strong banking support for crypto.

Within a single sprint, the fintech integrated TransFi’s API to:

Allow users to convert local currency into USDC or USDT
Offer instant, on-chain transfers between wallets globally
Provide an option to hold stablecoins in-app to avoid FX volatility
Enable local off-ramps, so users could cash out when needed

No banking partners were required. No complex infrastructure. Just stablecoin rails that worked.

The Outcome: Borderless Payments, Better User Experience

Since launching its stablecoin-powered features through TransFi, the fintech has seen major improvements in how its users interact with the platform.

International transactions now settle in minutes instead of days
Transaction fees dropped significantly
User growth in Latin America, Southeast Asia, and Eastern Europe surged, as these regions are often underserved by traditional financial systems
Users now store more funds in-app because they trust the system is fast and accessible

The stablecoin layer turned the app into a truly borderless wallet—especially for users with limited access to stable financial services in their home countries.

Why Stablecoins Make Sense for Fintech

For fintech platforms that want to expand globally, stablecoins solve a key set of problems:

They eliminate the need to manage multiple currencies and banking relationships
They protect users from currency volatility in high-inflation regions
They support real-time settlement and always-on availability
They reduce the cost of remittances, payroll, and B2B payments

By integrating USDC and USDT support, this fintech was able to shift from being a local digital wallet to a global financial services app—with minimal technical overhead and no reliance on legacy banks.

Why They Chose TransFi

The team evaluated several providers before settling on TransFi. What made the difference?

TransFi was already compliant with major regulatory frameworks, including future-facing rules like MiCA in the EU
The API was simple, reliable, and developer-friendly—critical for a small tech team trying to move fast
On- and off-ramp coverage was available in the fintech’s target regions
TransFi took care of the heavy lifting around KYC, AML, and stablecoin liquidity

In short, the fintech was able to go live quickly with a robust, scalable stablecoin solution that fit perfectly into its existing product roadmap.

The Bigger Picture: Borderless Banking Is Becoming the Norm

This case isn’t unique. All over the world, fintech startups and digital-first financial platforms are reaching the limits of what they can do with traditional rails.

Stablecoins—and the platforms that support them—are creating a new model of financial access. One that isn’t bound by geography, and that works for both unbanked populations and global businesses.

With TransFi, this fintech didn’t just solve a technical problem. It stepped into a new category of borderless finance, where money moves like the internet—instantly, securely, and without borders.

Also read: Stablecoin Payments in Bosnia: Growing Crypto Use in Remittance Flows

Final Thoughts

This case study shows what’s possible when a fintech company embraces innovation at the infrastructure level. Stablecoins aren’t just about crypto—they’re about building a new kind of financial experience.

By integrating with TransFi, the platform made stablecoin support available to users in regions where financial tools are often limited. It now enables cross-border payments that are faster, cheaper, and more predictable than anything built on traditional banking rails.

For fintech founders looking to expand globally, the takeaway is simple: the future of financial infrastructure is borderless. And with stablecoin rails powered by TransFi, it’s easier than ever to build for it.

FAQ

1. Can fintech platforms really operate without traditional banking partners?
Yes, with solutions like TransFi, fintechs can offer fiat-to-stablecoin conversions, on-chain transfers, and global payouts without relying on local bank integrations. This allows them to scale faster and serve users across borders more efficiently.

2. Why are stablecoins like USDC and USDT ideal for cross-border payments?
Stablecoins provide the price stability of traditional currencies while offering the speed and transparency of blockchain. They're especially useful for international transfers, where traditional banking systems are often slow, expensive, or unreliable.

3. What does integrating TransFi’s API involve?
TransFi’s API is designed to be developer-friendly. Most fintech teams can integrate basic fiat-to-stablecoin functionality within a single sprint. The platform also supports KYC, AML, and regulatory requirements, so compliance is simplified.

4. Is it safe and legal to use TransFi for stablecoin payments?
Yes. TransFi complies with regulatory frameworks in multiple jurisdictions and is actively preparing for upcoming regulations like the EU’s MiCA. The fintech in this case study chose TransFi partly because of its commitment to compliant, secure stablecoin infrastructure.

5. What regions does TransFi support for on- and off-ramps?
TransFi covers key emerging markets in Latin America, Southeast Asia, Eastern Europe, Africa, and more. It supports local payment methods so users can easily move between fiat and stablecoins without needing a bank account.

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