Cito

This is what we mean at @Cito_Finance when we say infrastructure, not a payments app. The USDC transfer is 3 lines of code. The orchestration layer is the product. Building this in public. Follow if you're into B2B payments, stablecoins or fintech infra 🙌

The insight: Card orchestrators route around PSP failures. Stablecoin orchestrators route around liquidity, compliance, chain & counterparty failures: simultaneously. The state space is exponentially larger

Building cross-border B2B payments on stablecoin rails taught us one thing: The USDC transfer is 3 lines of code. The orchestration around it is the actual product. Here's what that looks like in practice 🧵

This is exactly the problem we're solving at @CitoFinance. B2B cross-border payments. Sub-min settlement. 60% lower cost. Powered by USDC. The market already repriced the disruption. We're building the infrastructure behind it. Source: @IMFNews WP/26/52

What this means if you're building in payments: The legal foundation is in place, GENIUS Act + SEC/CFTC clarity Cross-border is the highest conviction opportunity; slowest rails, highest fees, most exposed Early movers are being priced in, preparation is a competitive moat

We’ve argued that cross-border payment infra is inefficient and that stablecoins provide the solution. The IMF published research paper. $300B in market cap wiped in 5 hrs. 1 legislative vote. The data is unambiguous. Here is how @CitoFinance supporting 👇

Meanwhile, Cito uses stablecoins as the settlement layer and clearly shows the amount, fee & exchange rate before you confirm: no hidden charges later.

'Zero transfer fees' means they charge in the exchange rate instead. 'Free international payments' means someone else pays, usually you, just later. Transparency isn't a feature. It's the entire point.

All your current payment solutions charge you to move your own money, slowly 🦥 We don’t ⚡️

SWIFT was invented in 1973. Me in 2026: still waiting for a payment sent last week to arrive #cito

If you’re pre-funding accounts in 3 countries just to pay vendors/suppliers on time… You’re not “global.” You’re just over-collateralised! There’s a better way 👀