RT Delphi Digital (@Delphi_Digital)Our new report Stablecoins: The Next Frontier in Financial Infrastructure is live!Stablecoin supply sits at roughly $306B today. Around $100B of that was added in the last year alone while BTC sold off.For the first time stablecoin growth has completely decoupled from the broader crypto market.Sending $1,000 from the US to Turkey costs 2.5-6% on SWIFT. On stablecoin rails it costs around one basis point plus on/off-ramp fees. In corridors like Nigeria, Kenya, and Argentina ...

BREAKING: STABLECOINS NOW SLASH US-MEXICO REMITTANCE FEES TO UNDER 1%, DOWN FROM 5-7% ON TRADITIONAL RAILSMizuho research confirms the shift as Bitso powers $6.5B (10% of the $63B annual corridor) with $USDT and $USDC. Félix Pago’s USDC with WhatsApp enables instant SPEI payouts to Mexican families.Another example of blockchain tech replacing traditional rails. ...

Prefunding is one of the largest working capital drains in remittance.Near-instant, 24/7 settlement on Solana reduces how much capital needs to be pre-positioned across corridors to stay liquid on a weekend. ...

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 ...