The PayFi ecosystem uses blockchain and stablecoins to improve traditional payment financing systems, emphasizing efficiency and accessibility. It bolsters businesses by providing real-time liquidity options like Arf’s cross-border payment solution, which allows for USDC-based settlements without pre-funding. Another significant use case is Rain’s digital asset-backed cards facilitating innovative credit solutions for Web3 companies. The ecosystem’s infrastructure is built on leading blockchain networks, including Stellar, which supports rapid, low-cost transactions essential for global payment flows. Through tokenization and onchain liquidity, PayFi creates new financial opportunities while addressing inefficiencies in systems like trade finance and remittances. Stellar plays a key role in enabling seamless cross-border transactions, making the ecosystem particularly relevant for remittances and emerging markets.
