TL;DR Being a part of the Circle Payment Network (CPN) doesn’t mean you’ll instantly get more transactions. The real value lies in gaining access to a vast payout network, not in automatic deal flow. Business still needs to be earned…
Introduction Remittances are the lifeblood of many developing nations, forming a critical part of their foreign exchange (FX) reserves. Traditionally, every dollar sent home by a migrant worker means real USD or another hard currency entering the local economy—boosting reserves,…
Behind every “global” API is a patchwork of the same old pipes—and everyone’s still fighting over who’s got the chocolate chip. Executive Summary The concept of a super API in payments industry has become a favorite marketing trope. Everyone claims…
Part 4 of 4 of the stablecoin series. Read Part 1, Part 2, and Part 3. As we wrap up this four-part series on stablecoins, I want to take a step back in time—before blockchain, before digital wallets, and even…
Stablecoins increase the velocity of money and trade efficiency, but it’s vital to understand the difference between perceived value and actual liquidity. This is Part 3 of a 4-part stablecoin series. If you haven’t already, check out Part 1 and…
The Stablecoin Illusion: Why Stablecoins Don’t Actually Benefit Remittance Recipient Countries This article builds on Part 1, where we talk about the rise of stablecoins. Next in Part 3, we explore what they really are. Let’s set the record straight…
This is Part 1 of our 4-part series on stablecoins. Continue to Part 2 where we explore why stablecoins don’t benefit remittance recipient countries. Executive Summary The US dollar has long been a single entity in global finance—available as physical…
Executive Summary Foreign exchange (FX) markets are evolving, and a new secondary market is emerging for FX tri-spreads and quad-spreads. This strategy enables money transfer operators (MTOs) and non-banking financial institutions (NBFIs) to maximize arbitrage opportunities across multiple currency pairs.…
Money transfer operators (MTOs) play a crucial role in global remittances, moving billions of dollars across borders every year. Yet, many fail to recognize the financial potential of the remittance contracts they generate. These contracts—essentially dollarized packets of value—are locked…
As institutional and high-net-worth investors flock to crypto OTC desks, understanding regulatory frameworks and licensing requirements has never been more critical. Executive Summary Introduction: The Growing Importance of Crypto OTC Markets The cryptocurrency market has evolved far beyond its retail-driven…
The corporate world is built on a facade, and one of its most pervasive myths is the idea that companies genuinely care about their employees. They throw around phrases like, “We value your success,” or “We’re here to help you…
Money you save today can grow into substantial wealth tomorrow with savings accounts — but not all of them are created equal. For Canadians planning their retirement, registered retirement savings plans (RRSPs) offer unique advantages that set them apart from…