FinchTrade rolls out stablecoin B2B payments to Africa, LATAM and UAE

FinchTrade announced that its new stablecoin‑based B2B payment service will initially serve Africa, Latin America and the United Arab Emirates, using Bitcoin‑layer networks to move commercial dollars across borders [1]. The move aims to tap the growing institutional demand for low‑cost stablecoin rails—already evident in Latin America, where 71 % of firms use stablecoins for cross‑border payments and volumes hit $324 billion in 2025 [3].

How the service works

FinchTrade will route payments through USDb, the Bitcoin‑native stablecoin introduced by Paystand. USDb is 1:1 USD‑backed and lives on both the Liquid sidechain and the Rootstock smart‑contract platform, giving enterprises programmable digital dollars that can integrate with ERP systems [1]. The first minting partner, Ibex, will provide liquidity, while Paystand’s existing network of over one million businesses will supply the initial cross‑border corridor via its Bitwage acquisition, which already supports payroll for 90 000 workers in nearly 200 countries [1].

Market context

Latin America’s institutional adoption of stablecoins provides a clear precedent: stablecoin transaction volume grew 89 % YoY in 2025, and B2B flows expanded roughly 30‑fold over two years [3]. Fees on stablecoin rails can fall below 1 % versus the 5‑7 % typical of traditional intermediaries, suggesting potential savings of $8.9 billion for U.S.‑to‑LATAM transfers alone [3]. FinchTrade’s focus on Africa and the UAE mirrors similar fintech pushes, such as DoorDash’s partnership with Stripe‑backed Tempo to replace fragmented regional rails with stablecoin payouts [4].

Regulatory backdrop

FinchTrade’s disclosures note that its services are unavailable to retail clients in the United Kingdom, United States, the European Union and other restricted jurisdictions, and that the firm is not MiCAR‑compliant nor FCA‑regulated [2]. This mirrors Paystand’s dual‑licensing strategy, which separates U.S. and international offerings while maintaining 1:1 USD backing [1]. The regulatory distinction may shape the rollout timeline, with full compliance in the U.S. targeted for the end of 2026 [1].

What to watch

• Price‑level triggers: USDb’s market price relative to the USD peg (e.g., deviation beyond ±0.5 %).
• Regulatory milestones: Any MiCAR or FCA licensing updates that could expand FinchTrade’s service geography.
• On‑chain activity: Volume spikes on the Liquid and Rootstock networks that indicate early adoption by enterprise users.

FinchTrade’s entry into the stablecoin B2B space adds a new layer of on‑chain infrastructure aimed at the $100 trillion global B2B economy, but its impact will hinge on regulatory clearances and the ability to capture the fee savings that have already driven massive stablecoin adoption in Latin America.