Partnering with Riva Money: Switching tracks for global B2B payments

The slow train problem

Moving money across borders today is akin to taking the slow train. Payments trundle through a chain of correspondent banks, each charging their fee and adding time to the journey. For many globally operating businesses, it can still take days for funds to arrive – costing time, money and opportunity.

A stablecoin is a digital currency designed to maintain a stable value relative to a specific asset, such as the US dollar. It excels as a payment mechanism when businesses can seamlessly transfer crypto value to and from traditional currencies, ramping on and off the station platform.

The Riva approach: orchestrating the best route, every time

Riva Money is building a new way for businesses to send and receive funds internationally, combining traditional payment infrastructure with blockchain-based rails in a single, intelligent routing system. Stablecoins act as a bridge between currencies, but everything starts and ends in fiat.

Riva cuts out unnecessary intermediaries and turns days into minutes by orchestrating each transfer along the most optimal route. That means customers get faster settlement, lower fees, and better transparency without having to look for the best terms or work in cryptocurrency directly.

The timing for a company like Riva couldn’t be better

• A market ready for change – Cross-border B2B payments represent a tremendous $40T market, of which SMB payments account for $16T annually. Yet transactions are still dominated by banks, leaving businesses to endure slow and opaque settlement times at high cost, straining valuable relationships. There’s growing demand for solutions that deliver speed, transparency, and cost efficiency while removing operational complexity.
• Regulatory regimes evolving and pointing towards increased clarity – MiCA, the first EU-wide regulatory framework for crypto assets (including stablecoins), has now been introduced. The US GENIUS Act provides the first federal legislation on digital assets in the US, and the UK regime, while not yet fully formed, is underway. For Riva, this means deeper, regulated liquidity in major markets and a clearer compliance path for institutional adoption.
• Rails without borders – Major card networks (Visa), banks (J.P. Morgan), and fintechs (Stripe) are expanding stablecoin-enabled settlement across multiple blockchains and geographies. These rails are powerful but fragmented – Riva’s issuer- and chain-agnostic model is designed to orchestrate them, selecting the fastest, most cost-effective route for each transaction.
• From hype to enterprise adoption – Stablecoins have moved into real-world applications beyond consumer use. Cross-border payments using stablecoins reached $212B in 2024 and are projected to reach $320B by 2030. With institutional-grade issuers, robust on/off ramps, and treasury tools becoming available, the ecosystem is maturing for enterprise-scale orchestration, enabling Riva to connect the pieces into a seamless global money transfer experience.

Partnering with Riva Money

The $40T B2B cross-border payments market is still largely dominated by traditional banks – leaving vast headroom for customer-centric companies with cutting-edge technology to deliver better value and user experience to businesses that are too large for retail remittance services but too small to get tailored bank support.

When we first met Niklas and Mahendra, we were immediately impressed by their deep product and engineering expertise in high-volume, high-compliance international payments from their time at Wise and Revolut, and their ability to bridge traditional finance and blockchain innovation. That combination positions them uniquely to rethink how money moves across borders.

We're proud to join forces with Riva as they lay the tracks for the modern cross-border economy – because the world deserves better than the slow train.