“Can a single API own cross-border payins, payouts, and increasingly stablecoin rails for every emerging market that the global internet wants to reach?”
Founded 2016 as a single-API cross-border payments processor connecting global merchants (Spotify, Google, Uber, Netflix) to emerging-market consumers in LatAm, Africa, and Asia. Bootstrapped early before raising from General Atlantic, reaching unicorn status in 2020 and IPO'ing on Nasdaq in 2021. Currently broadening from pure payins/payouts into BNPL aggregation (BNPL Fuse), stablecoin rails (Circle Payments Network, Stable Sea), and platform/marketplace tooling — positioning as the 'financial OS for emerging markets' rather than just a PSP.