Payments Summit: EBANX Announces AI Solutions, Stablecoins, Payouts, and Expansion to the Philippines

The EBANX, a global technology company specializing in cross-border payment services for emerging markets, has introduced a new generation of products designed to strengthen the operations of global companies operating in Latin America, Africa, India, and Southeast Asia. The main innovations include 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 company's expansion into the Philippines with the integration of the country's two market-leading digital wallets.

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

“Emerging markets are the future of digital commerce, and we are building the infrastructure that will make that 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 our commitment to bringing them to new markets reflects our vision of a world where any company can serve any consumer, no matter 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 to receive the amount in USDC, USDT, or 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 traditional finance, enabling global companies 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 faster than anywhere else in the world."

Latin America is an example of this change: 71% of the region's financial institutions 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 soared 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 Chainalysis, a blockchain analysis company. The research institute FXC Intelligence estimates that the total addressable market (TAM) for cross-border payments using stablecoins approaches USD 24 trillion in high-growth economies.

The arrival of stablecoins at EBANX makes the company's portfolio even more comprehensive. In total, there are over 200 payment methods integrated into the platform, allowing companies around the world the flexibility to receive payments in USDC, USDT, US dollars, euros, or local currencies. All options offer fast settlement and regulatory compliance.

Artificial intelligence
At the Summit, EBANX presented three new artificial intelligence tools to increase approval rates, reduce risk, and produce important analytics for sustainable growth. The first is a fraud detection system which uses 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 saw an increase of more than four percentage points in card payment approvals without increasing chargeback rates.

The second tool is a AI-based intelligent routing systemThe product assesses the risk level and context of each transaction before choosing the best combination of acquirer and merchant ID (MID). This allows it to dynamically adapt to changing market conditions, issuer behavior, and network performance. In a group of over 170 companies that have already used this EBANX technology, approval rates have increased by up to 10 percentage points.

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

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

"While the Philippines offers great potential, with e-commerce expected to double in three years, it also presents challenges we know how to solve, such as low credit card penetration. This combination is conducive to successful growth for EBANX and our partners in the country," he stated. Del Valle.

According to data from the research institution Payments and Commerce Market Intelligence (PCMI) analyzed by EBANX, digital commerce 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 Statist, 98% of Filipinos have access to the internet.

In a country where the World Bank estimates that only 3% of people have a credit card, digital wallets have become the most used payment method for online purchases, 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 has integrated the two most popular digital wallets in the Philippines, GCash e Maya, which together have over 136 million accounts, surpassing 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). Settlements can be made in US dollars, without the need to establish a legal entity in the region.

Payout and Payment Bundles
The product line presented at the Mexico Summit 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 the need for a local entity.

Designed for high-volume transactions, EBANX Payout integrates the company's payments offering, combining payment and payment capabilities into a complete solution for global companies operating in emerging markets. This new product automates individual and batch payments, boasting an average approval rate of 97% and processing time of less than 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 Bundles, which are a solution to simplify the way global companies sell and grow in emerging countries. "Instead of enabling payment methods one by one, businesses 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 companies can reach 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,” he said Abreu.