Modernize Remittance Services with Stablecoins on Solana

Over $800B+ is remitted globally each year, yet remittance payments on traditional fiat rails are still inefficient. For remittance providers, they require prefunding, introduce settlement delays and create operational complexities dealing with different jurisdictions and systems.

As a result, remittance service providers are amongst the earliest adopters of using stablecoins for payments. Stablecoins on Solana offer a more efficient settlement layer for cross-border payments while enabling new product capabilities for customers that shift remittance companies from single purpose usage to providing multiple financial services.

With Solana, remittance service providers can:

• Settle globally in seconds
• Reduce prefunding requirements
• Improve liquidity management
• Launch new products for customers such as stablecoin native wallets, cards, credit and savings features
• Explore new revenue models tied to stablecoin infrastructure

This represents both an operational improvement and a product expansion opportunity.

Remittances Today

Despite the industry’s scale, structural inefficiencies remain:

• Thin Product Depth: Most remittance apps remain transactional. Customers arrive, collect their transfer, and leave. There’s little opportunity for providers to deepen the relationship or layer on additional financial services.
• Capital Locked in Prefunding: To guarantee timely payouts across multiple corridors, providers must park significant capital in multiple markets every day of the week. That capital sits idle, generating no yield and creating substantial inefficiencies on the balance sheet.
• Settlement Delays: Cross-border transfers can take 3–5 business days depending on corridor and banking partners involved. Weekend settlement gaps compound the problem, forcing providers to prefund even more aggressively to cover the shortfall.
• High Fees: Fees vary widely by corridor and pricing competition continues to intensify, squeezing margins. For example remitting $200 to Africa and LATAM costs ~8% and 6% respectively due to FX fees and more.

These factors constrain growth, reduce capital efficiency, and limit your engagement with your customers.

How Stablecoins on Solana Can Help

Solana goes beyond theory and hypotheticals and shows how real remittance giants are using stablecoins on Solana.

Turn On New Retail Product Offerings

Move beyond pure money transfer. Enable users to hold, receive and send USD stablecoins, offer interest bearing savings accounts, loans to retail users and much more in multiple markets increasing user retention and platform utility.

• Dollar-Denominated Value & Yield: Give users the ability to hold, send, and receive USD stablecoins, and earn yield on their balance. Solana supports all of the top 10 stablecoins. USDG, for instance, shares interest it earns directly with their partners, enabling you to pass yield through to end users. Equally through other products in our ecosystem, users can earn 3-7%+ on their stablecoin balance, creating a meaningful incentive to keep funds on your platform. Depending on the product, users can earn 3-7%+ on their stablecoin balance, creating a meaningful incentive to keep funds on your platform.
• Cards & Credit: Let users spend their stablecoin balance via physical or virtual cards, and offer loans through ecosystem partners like Tala — without managing underwriting, a loanbook, or credit risk yourself. You own the customer relationship; the ecosystem handles the complexity.
• Predictably low fees: Solana’s local fee market decouples transaction costs from broader network activity, so fees stay low even during periods of high demand. With median transaction fees of ~$0.0013, you can offer cost-effective services to price-sensitive customers without sacrificing margin.

Improved Treasury Operations

Transfer internationally in seconds, 24/7/365, for a fraction of a cent, without needing prefunding.

• Allocate capital globally and instantly 24/7: Execute payments 24/7 with near-instant arrival to recipients, reducing the need for prefunding. Leverage Solana\u2019s extensive on and off ramp ecosystem to ensure instant conversions to fiat currencies around the world, and access stablecoin denominated working capital through partners such as Arf.
• Earn: Leverage yield-bearing stablecoins (like USDG) or tokenized treasuries to generate returns on capital that would otherwise sit idle in correspondent accounts.

Faster New Markets Expansion

Launching in new markets doesn’t require building new correspondent banking networks from scratch. Shift from prefunded accounts to just-in-time liquidity.

• Reduce time-to-market: Traditional corridor expansion requires establishing local banking relationships, pre-funding nostro accounts, and navigating complex compliance arrangements that can take months or years. With stablecoins on Solana, liquidity flows instantly across borders - reducing corridor launch time from months to days.
• Reach the underserved: Solana’s global, permissionless infrastructure means you can serve corridors that are commercially unviable under the traditional banking model, thin corridors with low volume, or markets with limited correspondent banking coverage - without the overhead of a full banking integration.

New Monetization Opportunities

Turn your liquidity into a revenue-generating asset, by powering crypto payments rails or launching your own stablecoin.

• Launch your own GENIUS - Compliant Stablecoin: Capture yield directly from reserve assets backing your stablecoin, such as US Treasuries and other interest bearing instruments. The result is a high-margin, recurring revenue line that scales with adoption. Equally, Leverage Solana\u2019s token extensions to embed programmatic compliance directly into your stablecoin, including confidential transfers and the ability to enforce per-transaction fees anywhere your asset is issued, even outside your own ecosystem.
• Ramp-as-a-Service: Monetize your existing rails. The payout infrastructure you’ve already built for retail customers has untapped B2B value. By opening your rails to third parties, you create a scalable, low-overhead revenue stream–without building anything new.

Why Solana?

While stablecoins are the asset layer, the underlying blockchain determines cost, speed, and scale.

Solana offers:

• High Throughput and Fast Finality: Solana does more transactions per day than all other major blockchains combined. It’s the only chain that’s been battle tested to support large-scale payment flows.
• Predictable Low Fees: Local fee markets mean that, unlike other blockchains, Solana’s fees aren’t tied to general onchain activity. Median transaction fees are $0.0013, even during periods of high network activity.
• Deep Stablecoin Liquidity: Native issuance of major stablecoins enables efficient minting, redemption, and FX routing, with $3 trillion in USDC & USDT transaction in Q3 of 2025 alone.
• Institutional Adoption: Financial institutions including Visa, PayPal, Fiserv, and Western Union are building with stablecoins on Solana.
• Compliance Capabilities: Token extensions support freeze controls, confidential transfers, and structured compliance logic at the token level. Use Contra for a fully private execution environment that provides access to mainnet liquidity.
• Deliver neobank-quality products, without building it yourself: Building on Solana gives you access to a deep ecosystem of specialized partners, enabling you to expand your product offering with limited additional infrastructure or operational overhead. From embedded credit to FX to capital markets access, you can give your customers access to more banking products–powered by the ecosystem, and distributed by you.

Solana is infrastructure designed for consumer-scale, regulated financial applications.