[The Fragmentation]

Imagine you’re an entrepreneur in Lagos with a business ready to scale internationally. You want to expand, maybe launch a product that customers in Brazil or India will love. But here’s the catch: they want to pay you in BRL or INR—and your systems only speak USD.

Now flip it: imagine you’re Amazon, eager to enter Africa’s booming e-commerce market. But even Amazon hits walls. Payment corridors in emerging markets are tangled with outdated rails, compliance obstacles, and mismatched banking infrastructure. The opportunity is there—clear as day. The demand is screaming for service. But the network to connect both sides? Fragmented.

Here’s the harsh truth: Money isn’t the problem—it’s access. Services, innovation, and even basic commerce are still determined by where you are. More than 1.7 billion people globally remain unbanked, with sub-Saharan Africa and Southeast Asia making up the largest populations (Source: World Bank). Many of these regions are prime for growth—but inaccessible due to outdated financial systems.

Why? Because the financial system was built with borders in mind.

[Weaving New Corridors]

Let’s go back to our example of Amazon in Africa:

The result?

An unserved market—not because the demand isn’t there, but because the infrastructure can’t keep up. What if it didn’t have to be this way?

What if, instead of patching together dozens of country-specific payment networks, you could route payments like Google Flights routes the fastest itinerary?

We've been playing with this term, we call it smarting routing, conceptually, instead of hitting five or more intermediaries—each one adding time, fees, and complexity—smart routing weaves together fiat, stablecoins, and hybrid rails into one network connecting corridors that didn’t exist before.

[The Translator for Money]

Think of it like this:

Why does this matter?

Because when the “language of money” is no longer a barrier, you unlock new markets by default. The $156 trillion projected in annual cross-border payment volumes by 2030 (Source: McKinsey) isn’t just a number—it represents untapped opportunities waiting to be captured.

Suddenly, that untapped audience in São Paulo or Lagos isn’t just reachable—they’re paying customers.

[The Bigger Picture: Not Just Rails—A Network]

The future isn’t piecing together country-specific solutions. It’s creating one unified network where currencies, compliance, and cash flow align. You’re not building a local payments bridge—you’re building a global web.

Stablecoins play a pivotal role—acting as liquidity bridges that bypass slow banking systems. They’ve already become a trusted medium, processing over $200 billion in monthly transactions (Source: Chainalysis), making it easier to route payments even in markets where traditional banking systems fail.

Smart routing is the glue. It’s not just faster—it’s smarter. It aggregates multiple rails—crypto, fiat, bank transfers—and picks the most efficient path. Instead of “square one,” where expansion fails due to disjointed infrastructure, you’re setting up a flywheel that scales with you.

[Closing Analogy (because I love them)]

@tweetsbymo