Core Insights - Remitly has experienced strong growth since its IPO in 2021, but its stock has declined significantly, down approximately two-thirds from its initial listing price of $43 [3][4] - The remittance industry, which involves hundreds of billions of dollars sent across borders annually, is dominated by traditional players like Western Union and MoneyGram, but Remitly is the fastest-growing company in this sector [2] Financial Performance - In the latest quarter, Remitly reported a revenue increase of 25% to $419.5 million, driven by a 35% rise in send volume to 19.5 million, although the take rate has decreased due to a strategic market expansion [5] - The company achieved a net income of $8.8 million, indicating it is now profitable under GAAP, although margins remain minimal [5] Future Projections - During its Investor Day conference, Remitly provided guidance through 2028, forecasting revenue growth in the high teens for 2026 and projecting revenue between $2.6 billion and $3 billion by 2028, which implies a compound annual growth rate of 20% over the next three years [6] - The company also aims for an adjusted EBITDA of $575 million to $600 million and plans to meet the "rule of 40" standard, where revenue growth and EBITDA margin combined would equal at least 40% [6] Market Position - Remitly currently has a market capitalization of $2.9 billion, trading at approximately 5 times its EBITDA forecast for 2028, suggesting potential for stock appreciation if targets are met [8] - The stock's current price is $13.61, with a 52-week range of $12.08 to $27.32, indicating significant volatility [8] Strategic Initiatives - The company has expanded its addressable market by offering services to businesses and introducing the Remitly One subscription program, which includes features like send now, pay later [9] - With strong revenue growth, a low valuation, and innovative products, Remitly is positioned as an attractive investment opportunity despite current stock weaknesses [9]

western union launching usdpt on solana turns 600k locations into stablecoin on/off ramps. $80b annual remittance flow paying $62k in fees on solana vs $125m minimum on ethereum. when a 170 year old nyse company picks your chain for prepaid cards in argentina, you've won the infrastructure game. sol at $140 with zero of this priced in. ...

Stablecoin Strategy Pillars - Western Union (WU) outlines four pillars of their stablecoin strategy [1] - The strategy aims to unlock trapped capital, potentially "hundreds of millions" of dollars stuck in the banking system, to enable real-time payments [1] - This move to stablecoins could free up capital, eliminate approximately 2-day tie-ups via correspondent banking, and deliver capital-light real-time settlement on roughly $500 million per day, while also capturing currently forgone interest [1] - Western Union is partnering with four providers for on/off-ramps, expected to go live in the first half of 2026, enabling customers to send/receive stablecoins and on/off-ramp in person [1] - A stablecoin card will allow customers in high-inflation countries to spend stablecoin balances directly without needing to off-ramp to local cash [1] - Western Union intends to issue its own stablecoin on Solana to control economics, compliance, and distribution, and to grow beyond leveraging their brand [1] Market Perspective - The market has priced Western Union for death at 4x LTM PE (Last Twelve Months Price-to-Earnings ratio) [1] - The success of this transition is entirely an execution story with compelling upside if they pull it off [1]

Ocash Capabilities - Ocash enables stablecoins to exceed Visa + Mastercard volume combined [1] - Ocash facilitates private, compliant transactions [1] - Ocash offers regulator-ready audit proofs via Dual-Key Escrow [1] - Ocash supports private payroll for DAOs & enterprises [1] - Ocash aims for remittance rails targeting approximately 1% fees [1] - Ocash provides a unified settlement layer for humans and autonomous AI agents [1] Regulatory and Enterprise Needs - Enterprises require the ability to run treasury, payroll, or supply-chain logic, which is not feasible on a public ledger [1] - Regulators (GENIUS Act, MiCA) now mandate auditability instead of surveillance [1]

Partnership & Technology - Western Union exclusively chose Solana for USDPT stablecoin launching in Q1 2026 [1] - Solana charges $000025 per transaction [1] Financial Implications - Western Union processes $15 billion annually [1] - Western Union's current fees are at 12% [1]

RT Geode Labs (@geodelabs)🇲🇽 How Ethereum is powering Mexico’s remittance transformation?High remittance flows($64.7B in 2024) created the use case. Stablecoins built the rails. L2s made it economically viable.Curious how Mexico is writing its own crypto playbook?Full story 👇 https://t.co/MOJIGFU0hR ...

🚨UPDATE: WESTERN UNION TO PILOT A STABLECOIN-BASED SETTLEMENT SYSTEM TO MODERNIZE GLOBAL REMITTANCE OPERATIONS ...

Could this disrupt traditional remittance rails?https://t.co/UVTGc1nxLq ...

Remittance Trends - Migrants, fearing deportations under the Trump administration, are accelerating remittances to their home countries [1] - This surge in remittances is creating a remittance boom [1]

Job Market Analysis - Job market competitiveness is significantly influenced by the ratio of job openings to applicants, with Indonesia facing higher competition (1 job opening for almost 7 people) compared to countries X (1:0.8) and Y (1:4.6) [1][3][4] - Countries X and Y, facing aging populations, are actively seeking skilled foreign workers to address labor shortages [2][5] - Common considerations for job seekers when applying for overseas positions include career advancement, financial benefits, and improved quality of life [6] International Opportunities - Countries X and Y have multiple universities in the top 100 QS rankings, potentially offering better research grant opportunities [8] - Exposure to multinational companies enhances job prospects for professionals seeking international opportunities [9] - Countries X and Y offer stronger job security and support systems for employees facing layoffs [9][10] Economic Comparison - The minimum wage in the capitals of countries X and Y ranges from Rp129,000 to Rp270,000 per hour, requiring approximately 2 to 23 hours of work to purchase 10 kg of rice [11] - Jakarta's minimum wage is Rp30,700 per hour, necessitating about 49 hours of work to acquire the same amount of rice [11] Brain Drain & Brain Gain - Indonesia faces the challenge of brain drain but can transform it into brain gain by supporting its diaspora and facilitating their contributions [15][16] - Engaging the diaspora in knowledge sharing, joint research, and remote work can bridge talent gaps and benefit Indonesia [16][17] - Remittances from Indonesian migrant workers reached approximately Rp15 trillion in 2024 [19] - The diaspora can act as a bridge for foreign direct investment (FDI) into Indonesia [20] Government Initiatives - Indonesia needs long-term development plans, potentially focusing on STEM fields and material science, to leverage its diaspora [22][23] - Enhancing collaboration with the diaspora, supporting their career development, and offering competitive benefits are crucial for attracting them back to Indonesia [24]