Axiym

A heartfelt thank you to everyone who joined us at The Frontier @avax institutional conference with Deloitte and @tiger_research_ in Seoul. Despite a busy schedule for many, the turnout and energy in the room were truly remarkable — the most engaged and meaningful industry gathering I’ve experienced in years. This was about enterprise and institutions that are already pushing the boundary with avalanche : - #FIFA overcoming the ticket scalping problem through blockchain - @DinariGlobal protecting core shareholder rights with tokenized stocks and - #Toyota leading a new financial rail for EV mobility And for what's next in business on blockchain, we discussed : - agentic blockchain payments for autonomous AI economies from @GoKiteAI - innovation in moving money across borders in a compliant way from @AxiymFinance and Japan Financial Elan Technologies - and how multinational conglomerates are shifting treasury, from @Fosun_Intl The atmosphere was professional yet charged with genuine passion for solving real problems for businesses. We deeply appreciate the support from our partners at Deloitte and Tiger Research team over the past three months. Thank you all for making this event truly special. It's obviously happening and we are excited for greater impact ahead in 2026.

From fragmented rails to seamless flows. A conversation on how cross-border payments across Asia are evolving, becoming instant, interoperable, and increasingly programmable. Featuring insights from @KhibarR (@AxiymFinance ), Anthony Koo (@StraitsX ), and Mr. Pisut Darmaraksa (KASIKORNBANK), shaping the future of regional payments.

The Frontier: Global Business Strategy in the Stablecoin Era April 16, The room wasn't filled with crypto insiders and degens. It was banks, securities firms, and asset managers. Stablecoins are no longer a crypto-native conversation. Institutions have moved past "Is this viable?" They're now asking "How do we execute?" Tiger Research has been building the bridge between institutions and Web3 across Asia. This is the starting point. Thank you to everyone who joined us🐯 @AvaLabs @AvalancheKorea @justinkim415 @eugene_avax @Deloitte @ryanyoon_eth @GoKiteAI @Fosun_Intl @AxiymFinance @avalanchejp check out the link in the comments👇

Big. @AxiymFinance's Pay Now, Settle Later (PNSL) model has surpassed $1.2 billion in transaction volume in less than a year on Avalanche. This is what blockchain for business looks like:

@defyneric 🥸

who’s building the lending API for neobanks?

Avalanche partner spotlight: @AxiymFinance. Every cross-border payment you’ve ever sent was backed by cash sitting idle in a bank account somewhere: pre-funded, locked up, or waiting. Multiply that across 200 countries and 60+ currencies and you have one of the most capital-inefficient systems in global finance. Axiym removes it. By acting as a real-time liquidity engine for licensed Money Service Businesses, they eliminate the need for pre-funding entirely; capital moves when and where it’s needed, not in anticipation of a payment that may never come. The back end runs on @avax C-Chain. Hundreds of millions in volume processed, integrated with payment partners that collectively move over $25B annually. It’s invisible to the end user, which is exactly the point.

Western Union already delivers real-time payouts, but only by locking up billions in prefunded liquidity. Our partners @AxiymFinance can replace that model with on-demand liquidity, enabling @WesternUnion to maintain the same instant customer experience without holding large idle balances across global markets/locations. By sourcing local currency at the moment of transaction and using stablecoins as the underlying settlement layer, Axiym frees up trapped capital, improves treasury efficiency, and transforms stablecoins into a scalable, programmable foundation for a more efficient global payments network. As an Avalanche-native team, Axiym has been fully operational and already serving large payment processors on @avax.

Congratulations to our partners at @AxiymFinance on securing a strategic investment from @tether to accelerate the use of stablecoins in global payment & settlement infrastructure. Axiym has built a distributed settlement network that enables payment companies to operate across 140 countries and 70 currencies with more predictable liquidity, faster settlement & embedded financial services. Their “Pay Now, Settle Later” model addresses one of the biggest structural frictions in global payments: the mismatch between instant payment experiences & delayed settlement cycles. By integrating stablecoins like USDT directly into payment & treasury workflows, Axiym is helping transform stablecoins into active infrastructure for real-world financial operations. We’re proud to partner with the Axiym team as they build on @avax and push forward the next generation of global payments. The convergence of stablecoins, programmable settlement & embedded liquidity is opening the door to faster, more capital-efficient cross-border commerce. This milestone marks another step in that direction.

This journey is about solving a fundamental challenge in cross-border payments: money is often in the wrong place at the wrong time. At Axiym, we’re building the settlement and capital layer infrastructure that allows payments to move when they need to, Pay Now. Settle Later, bringing greater certainty, speed, and capital efficiency to global payment flows. Our platform connects globally distributed payment ecosystems with institutional-grade treasury and stablecoin settlement infrastructure, enabling regulated payment operators to execute transactions without being constrained by legacy funding cycles or flows. We’re grateful to announce the close of a strategic investment round that will help accelerate this mission. The round was led by @tether , Blockchange, and Salt Fund, with participation from @wearefreemarket , Lulu Finance, and @jpegtrading. We’re proud to partner with organizations that share our conviction, passion, and drive to reshape how global payments move.

Tether Invests in Axiym to Advance Digital Asset Use Cases Across Global Payment Ecosystems Learn more: tether.io/news/tether-in…

Always a delight to talk about @AxiymFinance furnishing real-time liquidity for licensed MSBs via stables + @avax rails 🔺

@luigidemeo XRP = Payment Rails (Replacing Swift + TradFi) Link = Interoperability (Interacting with Swift + Tradfi) Its a battle of narrative what will be the future of finance. But these two combined is already built on Avalanche👀

This chart nails it, the most expensive corridors aren’t a tech problem, they’re a market structure problem. Tech isn't the bottleneck, alignment is. In the chart you see the numbers, what you don't see is that in markets like Nigeria, Its has become and extremely intense FX competition meaning sellers offer big players (WU, MoneyGram) direct trades without pre-funding, sacrificing margins to win volume, to earn on the FX side. Locking in rates without funding, taking on the FX risk and liquidity hurdle, this is what is pushing them into stablecoins to keep up, but the patching and layering for them to run operations is heavier then ever. Cost of remittances to Nigeria is at an all-time low, the liquidity & operation constraint is at an all time high for the MSBs. Balance is needed, quickly.

Absolutely, terrific point. Perhaps regulatory clarity in international jurisdictions accelerates with others looking to emulate the US (though not sure there is good precedent for that, especially in less developed nations representing important volumes). Almost ironically, this dynamic has likely protected the traditional money transferer incumbents that are most at risk of disruption. Baffling:

Western Union's acquisition of Intermex is interesting. Remittance operators have struggled in public markets (WU down 31%, IMXI down 45% in 12 months), but their agent networks remain valuable. Stablecoins enable faster, cheaper transfers, yet agent networks are essential for convenient cash access. Our user behavior research indicates users prioritize convenient cash access over the cheapest operator. Convenience commands a premium.

Worth noting, the Genius Act opens doors for US regulations, but most remittances flow from the US to emerging markets. Local regulations there become the real gatekeeper, not US policy. In many of these corridors, agent networks and aggregators are the backbone, PSPs/MSBs in emerging markets bank and settle primarily through them, since that’s where trading,FX and last-mile cash transactions happen. And outside a few corridors, you still need USD fiat to buy local currency, which is also one of the largest USD inflows for many emerging markets. The missing piece of the puzzle is distribution and alignment, before we can see a shift happening from the legacy systems and operations.

I’d imagine these legacy incumbents will start to lean in more and accelerate a marriage w/ stablecoin infra now that regulators have given them permission thru the Genius act. Could be a big unlock given historical reliance on correspondent banks, existing on/off ramp network and potential to become wallet providers. Happy to compare notes with how you are thinking about it at @inversion_cap

Totally agree stablecoins change the game, but the reason pre-funding still dominates isn’t just because we haven’t "upgraded" to stablecoins. It's because local currency flows are still anchored in the real world. Remittance partners in emerging markets don’t want to hold their local currency long-term or hedge it. So they buy what they need, when they need it..frequently. And usually from the central bank. That FX timing and availability becomes the real bottleneck, not tech, and you need USD to buy these local currencies. Then there’s the bigger macro angle, remittances are one of the top USD sources for many countries. Those dollars go into treasuries, reserves, imports and stuff that requires traditional USD, not stablecoins. If those flows come in USDC, you still have to off-ramp into bank rails, which introduces cost, risk, and delay again and the central banks would never put that in the hands of the stablecoin issuers. Like what Egypt (6th biggest remittance receiver) did a couple of days, applying that you can only buy local currency from banks and licensed FX operators in Egypt to enforce USD to the country. As stablecoin grows you will see emerging markets control the buying of their local currencies to fiat not to lose inflow of USD to their countries. So yeah, stablecoins can eliminate pre-funding, but only if we align them with how local liquidity, FX markets, and governments actually work. And that is money changing form, so having it locked in treasury's is not the right route, the actual USD should be deployed across the settlement and payment eco-systems to unify with fiat(USD), charging fee's on solutions and transactions to earn revenue rather then treasury's. The pre-funding model has been the same since the Hawala networks centuries ago, and tech is not the bottleneck, distribution and alignment is. So stablecoin have to change, until then, it’s not just about rails. It’s about alignment.

When payments people tell you we have 'instant' cross-border, they're lying. What we have: $25M pre-funded in foreign banks so transfers LOOK instant. Stablecoins will eliminate pre-funding entirely. Here's the phase transition most are missing 🧵

1/ I’ll be recapping some great institutional panels from the @avax London Summit, starting with one that really cut through the noise: how Avalanche, Valinor, Fence, and @AxiymFinance are rearchitecting private credit via RWAs, smart contracts, & stablecoins. 🧵