anand balaji

The thing nobody warns you about when building a payments company: You will care deeply about things most people find deeply boring. Settlement timelines. Compliance. FX spreads at 11pm. And somehow, you will find a team that cares just as much. Reaally lucky if you do!

@xflowpay The same team that's driving growth is also the one showing up for each other when things get tough. That combination doesn't come together by accident. Very grateful for it. Onwards 🚀

A little over a month in our new office and I keep having to pause and take stock. The pace has been something else. We're growing faster than ever The team is shipping, closing, and solving things I'm genuinely proud of. But more than the numbers, it's the people at @Xflowpay

Most think the problem with international payments is speed or cost. Sure. But more than that, it's trust. How does a bank know the entity sending money is legitimate? SWIFT took 50 years & 11,000 banks to answer this. That's the real moat. Everything else is downstream of it.

@helloanand @UMassAmherst Congratulations to the proud parents and the deserving graduate!!

Super proud of my graduate! She’s gotten a dual degree in economics and statistics from @UMassAmherst ‼️🎓

Had a great conversation with @fintech_diaries unpacking all of it: SWIFT, compliance, FX, stablecoins, and what the endgame actually looks like for cross-border payments. Thanks to Hemant & Elroy for inviting me!

@Sayan91 @xflowpay the demand to pay is coming from the buyers. So exporters want to accept those payments. The buyers seem to have stablecoin balance that they wish to use. Buyers seem to value the convenience of just accepting (on their end) and using stable coins

Just out of curiosity for payers already in your served corridors (US, UK, EU, etc) who could pay via ACH/SEPA into the standard Xflow receiving account, what is the use case where they prefer to pay in USDT/USDC instead? I wanred to understand whether you're seeing: (a) Payers with stablecoin treasuries who would otherwise have to off-ramp themselves to pay via ACH and for whom the all-in cost of paying you in USDT is lower than the all-in cost of off-ramping first? (basically Cost(USDT payment to merchant) < Cost(self off-ramp → ACH) ) (b) Payers actively migrating their treasury from fiat to stablecoin and renegotiating payment terms on that basis? (c) Some other driver I'm not seeing? And on the receiving side: given that the stablecoin route necessarily incurs an off-ramp cost that the fiat route doesn't, the all-in fee to the Indian merchant should be higher (right?). What's the merchant's strong reason to accept this higher fee in a corridor where Xflow's standard product already works? Is it always demand from a specific payer, or are you seeing other adoption drivers?

Stablecoins payments now live on @Xflowpay. I'll be direct about why we built this. We heard from Indian businesses who lost deals because they couldn't accept stablecoins. Not a compliance grey area problem, but a compliance infrastructure gap.

@xflowpay Read more by @BsIndia: business-standard.com/content/press-…

@xflowpay More global buyers are paying in stablecoins: faster settlement, 24/7 availability, lower friction. Indian exporters can now participate in that shift. We believe this is an India-first capability for platforms helping Indian businesses collect globally.

Amazon had it. Stripe had it. We carry it at @Xflowpay. Writing forces clarity in a way that meetings don't. When you put a decision in a doc, you quickly find out whether you actually understand the problem or just think you do. It's one of the habits I'm most glad we kept.

@ketto Some great stuff we're doing together: xflowpay.com/case-studies/k…

@Ketto was one of the first businesses Stripe India onboarded. And one of Xflow's earliest customers too. Zaheer and Varun have become friends over nearly a decade, people I can call anytime for honest feedback. We're glad they trust us. That counts for more than any metric.

Read more: xflowpay.com/case-studies/g…

But the bigger shift isn't just pricing. Growton can now receive international payments, hold USD, convert when rates are favourable, and pay for global subscriptions. As their founder put it: "They're not selling something, they're genuinely trying to solve the problem."

Growton, a digital agency serving clients in Australia from India, were losing 3.5–4% on every cross-border transaction. For a business built on international margins, it wasn't sustainable. After switching to Xflow, fees dropped to under 1%. A sweet 75% reduction!!

And we're just getting started. Two things I'm personally excited about: Soon, you can pay your global vendors the same way your clients pay you via Xflow. And also accept secure, compliant stablecoin payments. Learn more at xflowpay.com

Our mission? Cross-border payments should be as seamless and affordable as sending money across town. These businesses should be focused on growth, not getting untangled from financial red tape. That's what we're here for.

Thousands of businesses use Xflow to move money to India. Exporters, scaling SaaS companies, and even consultants/freelancers.