Case Study: How a Digital Payments App Leveraged TransFi to Let Users Buy Stablecoins via Local Payment Rails

In many parts of the world, crypto may be accessible in theory—but in practice, users often face barriers just trying to buy their first stablecoin. High fees, lack of local payment options, and complex KYC processes often drive people away before they even start.

One digital payments app decided to change that. By integrating with TransFi, the app gave its users a fast and simple way to buy stablecoins like USDC and USDT using familiar local payment methods—no crypto experience required.

Here’s how that integration worked, and what it meant for both the app’s growth and its users.

The Opportunity: Growing Demand for Stablecoins, But Limited On-Ramps

The digital wallet already had a solid user base in emerging markets. People were using it to pay bills, send peer-to-peer transfers, and shop with local merchants. But users were also increasingly asking for something new: crypto access—specifically, stablecoins.

There was a clear demand for digital dollars that didn’t lose value overnight, especially in countries dealing with inflation or unstable local currencies. But onboarding these users to stablecoins wasn’t straightforward.

Most on-ramps required international credit cards or crypto-native knowledge
Bank integration was out of reach for many users
The experience was anything but seamless

The app wanted to offer stablecoin purchases using local payment rails—wallets, QR codes, bank transfers, and even cash-in agents. But building that infrastructure from scratch would’ve taken months, if not years.

The Solution: TransFi API for Local Stablecoin On-Ramps

Rather than reinvent the wheel, the product team looked for a way to integrate stablecoin on-ramping directly into the app. That’s when they found TransFi.

TransFi offered exactly what they needed: a plug-and-play fiat-to-crypto API built for emerging markets. With TransFi, the app could instantly offer users a way to:

Purchase USDC or USDT with local payment methods
Complete KYC and onboarding in-app
Receive stablecoins directly into their wallet balance
Choose from multiple off-ramp options later if needed

The entire experience stayed inside the app. Users didn’t need to visit third-party sites or deal with complicated crypto exchanges.

Fast Integration, Real Results

The actual integration was fast—completed within a single sprint. TransFi’s API was clean, well-documented, and flexible enough to match the app’s UI.

Once live, the impact was immediate:

Daily active users grew as the app attracted crypto-curious users who previously had no reliable way to access stablecoins
Transaction volume increased, especially in high-inflation markets
Customer support saw fewer questions about failed bank transfers or confusing exchange processes
Word-of-mouth kicked in, with users recommending the app to others who needed an easy on-ramp to digital dollars

Users could now buy USDC or USDT with the same local wallet or payment app they used every day. That convenience made all the difference.

Why Stablecoins Were the Right Fit

The app chose to focus on stablecoins—not Bitcoin or Ethereum—for good reason. Stablecoins like USDC and USDT are much easier for everyday users to understand and trust. They don’t swing wildly in price. They represent the dollar, which is already widely recognized as a stable store of value.

For users who just want to protect their money or send funds abroad, stablecoins are the ideal entry point into crypto. And for apps that want to introduce crypto without overwhelming their users, they’re a safe first step.

Why They Chose TransFi

The team explored other on-ramp providers, but few offered what TransFi could:

Local payment coverage in the regions they needed
Regulatory compliance and automated KYC flows
Reliable USDC and USDT liquidity
Seamless user experience inside their own app

They didn’t want to patch together banking partners or manage crypto infrastructure themselves. TransFi allowed them to focus on what they did best—building a great product—while outsourcing the complexity of fiat-to-stablecoin conversion.

The Bigger Picture: Local Access Is the Future of Crypto

This case shows how crypto becomes real for everyday people—not through hype or speculation, but through access. When users can buy digital dollars using the same app they pay bills with, crypto stops being abstract and starts being useful.

Stablecoin access is no longer just a nice-to-have for wallets and fintech apps. It’s becoming a competitive necessity—especially in markets where people want to store value, escape inflation, or send funds abroad quickly.

By integrating with TransFi, this digital payments app met that demand head-on. It expanded its services, grew its user base, and helped people gain financial stability through stablecoins—without needing a crypto education.

Also read: Stablecoin Payments in Russia: Navigating Sanctions with On-Chain Stable Value

Final Thoughts

Crypto adoption doesn’t happen with giant leaps. It happens through thoughtful product decisions like this—adding stablecoin access in places where people already manage their money.

TransFi made it possible. The API gave the digital payments app a powerful new feature without added complexity. And in return, users got a fast, familiar, and safe way to access USDC and USDT right from their local wallets.

It’s a win for the app. A win for the users. And a signal that borderless, stablecoin-powered payments are here to stay.

FAQ

1. How does TransFi help digital payment apps offer stablecoin purchases?
TransFi provides a fiat-to-crypto API that lets apps integrate stablecoin purchases directly within their platform. Users can buy stablecoins like USDC or USDT using local payment methods—such as bank transfers, wallets, or cash agents—without leaving the app.

2. Which stablecoins are supported through TransFi?
TransFi currently supports major stablecoins like USDC and USDT, which are widely used for remittances, savings, and global transfers due to their price stability and dollar-pegged value.

3. Can users in emerging markets access stablecoins through TransFi?
Yes. TransFi is designed for emerging markets and supports local payment rails across Asia, LATAM, Africa, and other regions, making it easy for users to access stablecoins even without traditional banking access.

4. Is KYC required when using TransFi to buy stablecoins?
Yes. TransFi includes a built-in KYC flow to ensure compliance with local and international regulations. The process is streamlined and integrated within the host app for a smooth user experience.

5. How long does it take to integrate TransFi into an existing app or platform?
Most teams can integrate TransFi within a single development sprint, thanks to its developer-friendly API and clear documentation. The solution is designed for fast rollout and easy customization.

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