Payments Summit: EBANX Announces AI, Stablecoin, Payout, and Philippine Expansion Solutions

The EBANXEBANX, a global technology company specializing in cross-border payment services for emerging markets, unveiled a new generation of products designed to strengthen the operations of global companies operating in Latin America, Africa, India, and Southeast Asia. Key innovations include the integration of stablecoins as a payment method, artificial intelligence tools enhancing the efficiency and security of digital transactions, and instant payout systems through local payment networks. EBANX also announced expansion into the Philippines, integrating the two leading digital wallets in the market there.

The announcements were made on EBANX Payments SummitOne of the leading events in the global payments industry, held between September 17th and 20th, in Mexico City.

"Emerging markets are the future of digital commerce, and we're building the infrastructure to make that future accessible to businesses and consumers worldwide," he said. John Del Valle, CEO and Co-founder of EBANX. Our investment in new products and commitment to bringing them to new markets reflect our vision of a world where any company can serve any consumer, regardless of where they are or how they prefer to pay. adds
 

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João 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 the traditional currencies already integrated into the platform. This solution makes international trade faster, more reliable, and more flexible, especially in regions where the banking system is fragmented or inefficient.

EBANX offers 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 AbreuProduct Vice President 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 faster than anywhere else in the world.

Latin America exemplifies this change: 71% of financial institutions in the region already use stablecoins for cross-border payments, according to the platform. FireblocksThe global average is 49%. In Brazil, the total volume of local transactions with these digital currencies surged 208% in a year. In Argentina, stablecoins already represent 62% of the total transaction volume and are helping consumers and businesses navigate the volatility of traditional currencies, according to data from [source omitted]. Chainalysisblockchain analysis firm. The research institute FXC Intelligence Estimates place the total addressable market (TAM) for cross-border payments using stablecoins at approximately USD 24 trillion in high-growth economies.

The arrival of stablecoins at EBANX makes the company's portfolio even more comprehensive. In total, over 200 payment methods are integrated into the platform, enabling businesses worldwide to receive payments in USDC, USDT, US dollars, euros, or local currencies. All options are offered with rapid settlement and regulatory support.

Artificial intelligence
At No Summit, EBANX unveiled three new AI tools to boost approval rates, reduce risk, and generate crucial insights for sustainable growth. The first is a fraud detection system Using AI models to analyze over 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 a more than four percentage point increase in card payment approvals without raising return rates.

The second tool is a... Intelligent routing system based on AIThe product is capable of assessing the risk level and context of each transaction before selecting the best combination of acquirer and merchant ID (MID). This allows it to dynamically adapt to changes in market conditions, issuer behavior, and network performance. Within a group of over 170 companies that have used this EBANX technology, approval rates increased by up to 10 percentage points.

Finally, EBANX announced its new Merchant Areaan AI-powered panel offering global companies intelligent payment management tailored to each region. By combining AI tailored to the markets we serve with the experience and practical knowledge of our local experts, EBANX has been able to develop unique and region-specific solutions, addressing country-specific challenges on a global scale. The translation of "destacou" depends heavily on the context. "Destacou" can mean many things, ranging from "highlighted" to "stood out" to "emphasized." Please provide the sentence or paragraph containing "destacou" for an accurate translation. John Del Valle.

Expansion into the Philippines
Present in over 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 into Southeast Asia opens doors for global businesses to reach one of the fastest-growing digital economies in the region.

"While offering significant potential, with e-commerce projected to double in three years, the Philippines presents challenges we know how to address, such as the low penetration of credit cards. This combination is favorable for EBANX and our partners to grow successfully in the country," he said. Del Valle.

According to data from the research institution Payments and Commerce Market Intelligence (PCMI), analyzed by EBANX, the digital commerce market in the Philippines 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. According to the platform Statista98% Filipinos have internet access.

In a country where the... World Bank Estimates show that only 31% of people have credit cards, while digital wallets have become the most used payment method for online shopping, with a 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 integrated the two most popular digital wallets in the Philippines. GCash e MayaCombining more than 136 million accounts, they now exceed the number of people in the country. From now on, global companies can offer both payment options through EBANX, allowing local consumers to pay in Philippine pesos (PHP). Settlement can be in US dollars, without the need for legal entity establishment in the region.

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

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

EBANX also revealed its new Payment Bundleswhich are a solution to simplifying how global companies sell and grow in emerging markets. Instead of enabling payment methods one by one, companies can now access payment packages. Each one is designed to achieve a specific business objective, whether it's attracting more customers or generating consistent, recurring revenue. explained Eduardo de Abreu.

Through four packages and a single API integration, global businesses can access up to 1 billion consumers with EBANX. Payment Bundles They include methods such as instant payments, bills, cards, bank transfers, and digital wallets, as well as recurring payments. This model eliminates the complexity of fragmented implementations, reduces development efforts, accelerates market entry, and maximizes revenue potential. "Disse" in Portuguese translates to "said" in English. Abreu.