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Date: 12/05/2025
Since 2020, stablecoins have moved from being an emerging solution to becoming key players in the global financial ecosystem.
Today, they account for over 50% of all blockchain transactions and moved more than USD 5 trillion in 2024 alone, according to data from Pantera Capital. For companies, governments, and consumers, this marks a transformation in how money moves around the world.
And the numbers speak for themselves: stablecoins have stood out by enabling fast and efficient real-time transactions with transparency and security. This has brought blockchain innovation to various sectors of the economy—especially cross-border payments.
Unlike traditional systems, stablecoins operate 24/7. They make it possible to send and receive payments anywhere in the world with lower fees and no need for intermediaries.
In this landscape, Parfin offers solutions to connect various market players, building a more efficient, secure, and accessible financial future.
The rapid growth of stablecoins has been driven by several factors, including increasing familiarity with blockchain and natural tech adoption. Recent geopolitical conflicts have restricted the use of SWIFT—the most widely used system for international payments—positioning stablecoins as an effective alternative for foreign trade transactions.
As a result, stablecoins are increasingly being used outside the financial sector and are playing a growing role in cross-border payments and remittances. There’s a strong demand for alternatives in foreign trade, as companies operating internationally seek more independence from banks, lower fees, and 24/7 operations.
Stablecoins provide all these advantages—and more: they also offer the possibility of self-custody and a new form of payment beyond fiat currencies. This paves the way for a new, decentralised financial network.
According to Pantera Capital, the stablecoin market can be divided into four main layers:
Merchant Layer: origin of B2C and B2B transactions.
Stablecoin Orchestration: solutions that connect stablecoins to fiat accounts, on/off ramps, and global payments.
FX and Liquidity: conversion between stablecoins, fiat currencies, and regional stablecoins.
Stablecoin Issuance: players that issue stablecoins or offer white-label solutions.
The Parfin Platform operates strategically across the first three layers. With our technology, we empower merchants, liquidity providers, and orchestration platforms to perform efficiently and securely in an ever-evolving ecosystem.
“We focus on the security and efficiency of the system by offering infrastructure to financial institutions and companies from other sectors. This is what enables the modernisation of existing products. Stablecoins, for example, are the modernisation of fiat currencies through blockchain,” explains Henrique Caixeiro, Head of Products and Projects at Parfin.
At Parfin, we work with Merchant Layers to create an efficient interface. This means there’s no need to develop your own tech infrastructure. From your customer’s perspective, your brand is the one offering and interacting with stablecoins directly.
We also handle the orchestration with the platform’s own back office, enabling access management to stablecoins and to liquidity providers for fiat and integrated digital assets.
All of this happens with full self-custody—no dependence on the platform to manage stablecoins.
Stablecoins are already changing the dynamics of international payments and remittances—but on-chain FX is the real trillion-dollar opportunity. Once stablecoins can be sent internationally and exchanged for various fiat currencies, the cost and process optimisation, combined with autonomy, will drive such an increase in transaction volume that we'll see ever-greater amounts traded in stablecoins.
In the future, foreign exchange services will begin using blockchain and stablecoins to conduct transactions—but the end user may not even notice the difference. That’s just part of the constant infrastructure modernisation in the financial industry.
Our integrated AML system analyses all stablecoins entering and leaving the platform. Every stablecoin that enters custody is assessed, and if a transaction is deemed suspicious, the wallet is automatically blocked.
Likewise, any recipient is also evaluated before receiving stablecoins—and if any irregularities are found, the transaction is cancelled.
“This process is very important for banks, and our providers can replicate and scale it for other businesses. As a global company, Parfin monitors regulations and compliance worldwide. That’s how we’re creating a secure environment for the evolution of money,” says Henrique Caixeiro, Head of Products and Projects at Parfin.
[INFO BOX]
No transaction is executed via the Parfin Platform without a governance policy in place.
Every transaction has a mapped origin and destination.
Request a demo of Parfin’s Stablecoin Solutions and simplify cross-border payments, remittances, and on/off-ramp processes with speed, efficiency, and optimised costs.
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