SaveOnSend @SaveOnSend
Read, share, contribute knowledge about cross-border money transfers. Stop assuming. Start learning and saving. SaveOnSend.com Wilmington, DE Joined October 2014-
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Felix's job openings are also telling. Traditional remittance infrastructure dominates the hiring slate with only a small Félix-owned integration and control layer around outsourced stablecoin providers. jobs.gem.com/felix/
What’s also unusual about @get_aspora versus @Felixpago is that nobody in the stablecoin space is claiming credit for being its partner. Felix is scaling much more slowly, yet everyone, including OpenUSD, uses it as a showcase.
Aspora’s job descriptions hilariously forgot to pretend that it is a stablecoin-native remittance. Thanks to a huge VC infusion a-la 2016, the actual gamble is extremely subsidized pricing + concentrated NRI distribution → financial-product cross-sell. jobs.ashbyhq.com/Aspora
Aspora’s job descriptions hilariously forgot to pretend that it is a stablecoin-native remittance. Thanks to a huge VC infusion a-la 2016, the actual gamble is extremely subsidized pricing + concentrated NRI distribution → financial-product cross-sell. jobs.ashbyhq.com/Aspora
The reason Wise cannot prove its pricing flywheel is that during the decade from Q2 2016 to Q2 2026, its P2P take rate declined in 20 quarters, while volume growth improved in only 11, deteriorated in 7, and remained unchanged in 2. saveonsend.com/transferwise-m…
You can’t put a price on a mission, man. The flywheel was born to fly, not to be measured. It’s a long-term journey, and these questions keep ruining everyone’s vibe. investing.com/news/transcrip…
You can’t put a price on a mission, man. The flywheel was born to fly, not to be measured. It’s a long-term journey, and these questions keep ruining everyone’s vibe. investing.com/news/transcrip…
Wise P2P volume keeps growing 20%+, transferring in one quarter > JPMC or MGI in a year. Flywheel and mission aside, this happened while the take rate barely moved over 5 quarters, from 58 to 56 bps. Also conspicuously silent on Platform again. owners.wise.com
Wise reported Platform at 4% of XB volume in Mar 25, 5% in Sep 25, and 6% in Jun 26. That is roughly a 1.5% annualized increase, while underlying Platform volume grew about 40%, with slight deceleration.
@SaveOnSend They said on the call it’s 6% of volume
Wise P2P volume keeps growing 20%+, transferring in one quarter > JPMC or MGI in a year. Flywheel and mission aside, this happened while the take rate barely moved over 5 quarters, from 58 to 56 bps. Also conspicuously silent on Platform again. owners.wise.com
To claim that it started working with crypto only in 2021 either means MoneyGram's new hires are clueless about their company history, or its leadership is trying to memory-hole its Ripple debacle that started in 2018: saveonsend.com/moneygram-mone…
us: *launches the world's largest cash on/off-ramp for digital assets* us: *enables Kraken users to withdraw crypto as cash* us: *becomes anchor remittance validator on Tempo* us: *launches our own stablecoin for our global consumer base on Stellar* us: *becomes a validator
If this doesn't result in a Xoom spinoff, what will? reuters.com/business/finan…
@moneyflowinvest You are right - "removing" was too strong - the product is now presented within the broader Nu Viagens proposition, while older customer guidance placed it under Ultravioleta benefits. Let's see if this comes up during Q2 reporting by either of them.
The source link for below is dead, and Wise materials still contain Nubank, but Nubank launched the Wise-powered Conta Global in 2024 as an Ultravioleta travel benefit, then expanded it with roaming and zero-spread perks before quietly removing it from current product marketing.
The likely driver was Nubank’s shift from a narrow outsourced travel account to its own broader international banking stack, giving it control over the customer relationship, economics, and infrastructure. Raises a Q about Wise Platform's future with top fintechs/banks.
MoneyGram has hired so many folks from outside the industry that they now seem to believe its current business model dates back to the 1940s and that the company has been known for top-notch compliance ever since.
Things that sound easy ... until you actually do them: - Operate in 200+ countries and territories - Navigate 20,000 unique corridors - Prioritize compliance in every market - Make moving money simple and reliable - Do it all for 85+ years
More details on that saga are here: saveonsend.com/moneygram-mone…
In 2019, Ripple began paying MGI and others to generate artificial activity while marketing it as commercial adoption. In 2020, MGI exited due to an SEC investigation, and Ripple ultimately paid a $125 million penalty. coindesk.com/markets/2026/0…
It's good to see more comparison sites for remittances, now with stablecoin options. Unfortunately, after 15 years of trying, nobody has yet figured out how to strip out promotions and compare exact transfer type across all top providers. remitroutes.com
A defensible comparison site would show, for the top 10 largest providers in a corridor, separate results for promotional vs. recurring pricing, with the exact funding method, payout method, speed, eligibility, customer status, provider timestamp, and a checkout-verifiable quote.
"Tenth of a cent" is actually $2.99 for A2A in Felix's top "stablecoin" corridor, and it is on top of 1% FX markup, while Wise is charging 0.77% in fees, no FX markup, and money arriving in seconds (without the miracle of stablecoin).
Willful ignorance is a feature, not a bug, of crypto payments, even when it comes to your marquee partner's business model.
It costs less than a tenth of a cent to make a global payment to anyone in the world using stablecoins. Whether it is fintechs or agents seeking global 24/7 cheap payments, this is the payments technology of the future.
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