Payments Summit: EBANX announces AI solutions, stablecoins, payout and expansion to the Philippines

The EBANX, a global technology company specializing in cross-border payment services for emerging markets, presented a new generation of products developed to strengthen the operations of global companies operating in Latin America, Africa, India and Southeast Asia.The main news is the inclusion of stablecoins as a payment method, artificial intelligence tools that increase the efficiency and security of digital transactions, and instant payout systems through local payment networks. EBANX also announced the expansion of the company to the Philippines with the integration of the two leading digital wallets in the country.

The announcements were made at EBANX Payments Summit, one of the main events of the global payments industry, held between September 17 and 20 in Mexico City.

“ Emerging markets are the future of digital commerce, and we are building the infrastructure that will make this future accessible to businesses and consumers around the world”, he said John Del Valle, CEO and Co-founder of EBANX. “Our investment in new products and commitment to taking them to new markets reflect our vision of a world where any business can serve any consumer, no matter where they are or how they prefer to pay” adds.
 

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Joao Del Valle at the EBANX Payments Summit 2025 (EBANX/Disclosure)

Payment and settlement with stablecoins
Soon, global companies operating in emerging markets will be able to accept stablecoin payments through EBANX, with the option of receiving the amount in USDC, USDT or in traditional currencies that are already integrated into the platform. This solution makes international trade faster, more reliable and flexible, especially in regions where the banking system is fragmented or inefficient.

“O EBANX delivers the speed of blockchain with the convenience of the traditional financial system, enabling global businesses to access new markets faster, with simplified settlements and no infrastructure barriers” explained Eduardo de Abreu, Vice President of Product at EBANX. “Stablecoins are becoming the first truly global payment method; the impact of these digital currencies is even greater in emerging economies, with adoption accelerating more than anywhere else in the world”.

Latin America is an example of this change: 71% of financial institutions in the region already use stablecoins to make payments in other countries, according to the platform Fireblocksthe global average is 49%. In Brazil, total local transactions with these digital currencies have skyrocketed 208% in one year.In Argentina, stablecoins already account for 62% of total transaction volume and are helping consumers and businesses navigate the volatility of traditional currencies, according to data from the Chainalysis, blockchain analysis company.The research institute FXC Intelligence it estimates that the total addressable value (TAM, Total Addressable Market) for cross-border payments using stablecoins approaches USD 24 trillion in high-growth economies.

The arrival of stablecoins to EBANX makes the company's portfolio even more complete.In total, more than 200 payment methods are integrated into the platform, allowing companies from all over the world to have the flexibility to receive in USDC, USDT, US dollars, euros or local currencies.

Artificial intelligence
At the Summit, EBANX presented three new artificial intelligence tools to raise approval rates, reduce risks and produce important analyses for sustainable growth fraud detection system using AI models to analyze more than 100 data variables per transaction in real time, generating a probability index that guides approval decisions.In Brazil, global companies using this new functionality have seen an increase of more than four percentage points in card payment approval without raising chargeback rates.

The second tool is a AI-based intelligent routing system. The product is able to assess the level of risk and context of each transaction before choosing the best combination of acquirer and merchant ID (Merchant ID or MID, in English). In this way, it can dynamically adapt to changes in market conditions, issuer behavior and network performance.In a group of more than 170 companies that have already used this EBANX technology, approval rates have risen by up to 10 percentage points.

Finally, EBANX announced its new Merchant Area, an AI-powered dashboard that offers global businesses smart, region-specific payment management. “By combining artificial intelligence made for the markets where we operate with the experience and practical knowledge of our local experts, EBANX was able to develop unique and region-specific solutions, solving country-specific challenges on a global scale”, and highlighted John Del Valle.

Expansion to the Philippines
Present in more than 20 markets in Latin America, Africa and India, EBANX announced at the Summit its arrival in the Philippines, a country with a population of 118 million people.This strategic expansion to Southeast Asia opens the door for global companies to reach one of the fastest growing digital economies in the region.

While delivering great potential, with e-commerce projected to double in three years, the Philippines brings challenges we know how to solve, such as low credit card penetration.This combination is conducive to EBANX and our partners growing in the country successfully”, he said Del Valle.

According to data from the research institution Payments and Commerce Market Intelligence (PCMI) analyzed by EBANX, Philippine digital commerce is expected to grow from USD 36 billion in 2025 to USD 61 billion in 2028, driven by one of the most connected populations in the world Statist98% of Filipinos have internet access.

In a country where the World Bank it estimates that only 3% of people own credit card, digital wallets have become the most used payment method for online purchases, with market share of 38% and projected growth of 28% in three years, well above the global average of 15% to 20%, according to PCMI data.

EBANX has integrated the two most popular digital wallets in the Philippines, namely GCash and Maya, which together have more than 136 million accounts, exceeding the number of people in the country. From now on, global companies can offer both payment options by EBANX, allowing local consumers to pay in Philippine pesos (PHP). Settlement can be made in American dollars, without the need to establish a legal entity in the region.

Payout and Payment Bundles
The product line presented at the Summit in Mexico includes EBANX Payout, a solution that allows global companies to make instant payments to partners, sellers and beneficiaries in emerging markets using local currency through domestic networks such as Pix in Brazil and Nequi in Colombia, and also without having to have a local entity.

Developed for high-volume operations, EBANX Payout integrates the company's payment offering, combining pay-and-take capabilities into a complete solution for global companies operating in emerging markets.This new product automates both individual and batch payments, featuring an average approval rate of 97% and processing of less than 30 seconds. EBANX Payout is already used by global companies, including social networking platforms that rely on the solution to remunerate content creators in emerging markets.

EBANX has also unveiled its new Bundles Payment, which are a solution to simplify the way global companies sell and grow in emerging countries. “Instead of enabling one-by-one payment methods, businesses can now access payment packages.Each of them is designed to achieve a specific business goal, whether it is bringing in more customers or generating constant, recurring revenue” explained Eduardo de Abreu.

Through four packages and a single API integration, global companies can access up to 1 billion consumers with EBANX Bundles Payment they bring together methods such as instant payments, tickets, cards, bank transfers and digital wallets, as well as recurring payments. The“ model eliminates the complexity of fragmented implementations, reduces development efforts, accelerates market entry, and maximizes the revenue potential of” said Abreu.