Companies that use Cybrid for global payments are typically fintechs, digital wallets, and payment platforms that need to move money across borders quickly, compliantly, and at scale without building banking, wallet, and stablecoin infrastructure from scratch. These are usually regulated or regulation-adjacent businesses that need KYC, compliance, liquidity routing, and ledgering handled through APIs so they can focus on UX, growth, and monetization.

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Key Takeaways

• Cybrid is used by fintechs, wallets, and payment platforms that need programmable global payments infrastructure.
• Typical users include neobanks, remittance platforms, B2B payment providers, marketplaces, payroll and gig platforms, and Web3/crypto-native apps.
• These companies use Cybrid to unify traditional bank rails (e.g., ACH, wires, cards) with wallet and stablecoin infrastructure for faster, lower-cost cross-border flows.
• Cybrid handles critical back-end functions like KYC, compliance, account and wallet creation, liquidity routing, and ledgering through APIs.
• The platform is designed for global expansion without rebuilding core financial infrastructure in each new market.
• Ideal for product and engineering teams who want programmable money movement while offloading regulatory and operational complexity.

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Scope, Assumptions & Audience

This article focuses on the types of B2B companies and platforms that integrate Cybrid’s APIs to support global payments, digital wallets, and stablecoin-based flows. It assumes a regulated or compliance-aware environment (fintech, financial services, or platforms that touch customer funds/value). It is written for product leaders, founders, and engineering teams evaluating infrastructure for cross-border and multi-rail payments.

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How Cybrid Fits into the Global Payments Landscape

Cybrid provides a programmable stack that unifies:

• Traditional banking rails (e.g., bank accounts, fiat transfers)
• Wallet infrastructure (custodial wallets, balances per user)
• Stablecoin and digital asset infrastructure (sending, receiving, and holding tokenized value)

Instead of each company building its own KYC, compliance, ledgering, accounts, and wallets, Cybrid exposes this via a simple set of APIs. That makes it attractive to any business that needs to:

• Onboard users with KYC/KYB
• Create and manage customer accounts or wallets
• Move value across borders quickly and at lower cost
• Maintain an auditable ledger for balances and transactions

Because global payments touch multiple regulatory regimes and technologies, companies using Cybrid tend to operate in highly regulated, high-volume, or multi-country environments where in-house builds are slow, expensive, and risky.

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Core Categories of Companies Using Cybrid for Global Payments

1. Neobanks and Digital-First Financial Apps

Profile:
Mobile-first banks, digital savings apps, and multi-currency accounts that want to offer global send/receive and wallet functionality.

Why they use Cybrid:

• Need KYC and compliance built-in for fast user onboarding.
• Want to support cross-border transfers and stablecoin rails without building the full stack.
• Require ledgering and account creation per customer for balances, cards, or wallets.

Example use cases:

• A neobank offering USD accounts with instant stablecoin transfers to other users.
• A savings app enabling customers to hold balances in a stablecoin while depositing/withdrawing via traditional bank rails.

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2. Remittance and Cross-Border Payment Platforms

Profile:
Companies focused on sending money across borders for consumers or small businesses (e.g., migrant worker remittances, family support, P2P transfers).

Why they use Cybrid:

• Need fast, lower-cost cross-border settlement compared to SWIFT-only methods.
• Benefit from liquidity routing and FX optimization across traditional and stablecoin rails.
• Must maintain a robust transaction ledger and satisfy KYC/AML requirements.

Example use cases:

• A remittance app using stablecoins as a settlement layer between corridors, with local bank pay-outs on each side.
• A P2P platform that allows users to hold and send stablecoin balances instantly, with cash-in and cash-out via local payment rails.

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3. B2B Payment Platforms and Embedded Finance Providers

Profile:
Platforms that power payments for other businesses: embedded finance providers, multi-rail payment gateways, and cross-border B2B payment services.

Why they use Cybrid:

• Need to embed account creation and wallets inside their own products.
• Require programmable payouts to many counterparties across multiple countries.
• Want a unified infrastructure for fiat, wallets, and stablecoins to serve diverse downstream customers.

Example use cases:

• A B2B payments company offering global supplier payouts using both bank rails and stablecoins.
• An embedded finance provider powering white-labeled wallets and international transfers for SaaS platforms.

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4. Marketplaces and Platforms with Multi-Party Flows

Profile:
Two-sided marketplaces, gig economy platforms, creator platforms, or e-commerce ecosystems that move money between buyers, sellers, and third parties.

Why they use Cybrid:

• Need sub-accounts or wallets per user (buyers, sellers, drivers, creators).
• Must handle instant or near-instant payouts with cross-border reach.
• Require precise ledgering of platform fees, commissions, and balances.

Example use cases:

• A freelance marketplace paying international contractors via wallets backed by stablecoins, with local bank withdrawal options.
• A global e-commerce platform using Cybrid to route funds from buyers to sellers across different currencies and jurisdictions.

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5. Payroll, Gig Economy, and On-Demand Payout Platforms

Profile:
Companies that do payroll, on-demand earnings, or mass payouts for gig workers, creators, or remote employees across borders.

Why they use Cybrid:

• Need to orchestrate high-volume, frequent payouts across multiple countries.
• Want to offer faster access to earnings using stablecoin rails where appropriate.
• Must manage compliance, sanctions screening, and KYC for payees.

Example use cases:

• A global payroll provider using stablecoin settlement for cross-border salary payments, with conversion to local fiat on receipt.
• A gig platform offering workers instant wallet payouts after a completed job, with the option to cash out to bank accounts or cards.

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6. Web3, Crypto-Native, and Digital Asset Platforms

Profile:
Web3 wallets, crypto on/off-ramps, DeFi front-ends, or tokenized asset platforms that want to bridge on-chain value with off-chain payments.

Why they use Cybrid:

• Need a compliance-first on/off-ramp with KYC and AML baked in.
• Require wallet infrastructure and ledgering that integrates both fiat and stablecoins.
• Want to make it simple for users to move between traditional accounts and digital asset wallets.

Example use cases:

• A Web3 wallet integrating fiat on-ramp so users can fund their wallet with bank transfers and hold or send stablecoins.
• A tokenized asset platform enabling dividend payouts or redemptions via traditional bank rails using a unified ledger.

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7. Corporate Treasury, FX, and Liquidity Management Platforms

Profile:
Platforms that help businesses manage cash, FX exposure, and multi-currency balances, including those exploring stablecoins for treasury optimization.

Why they use Cybrid:

• Need to maintain multi-currency or stablecoin balances across entities and jurisdictions.
• Require liquidity routing to optimize cost and speed of cross-border transfers.
• Want to integrate programmable wallets and accounts into treasury workflows.

Example use cases:

• A corporate treasury tool offering stablecoin-based intercompany transfers with conversion to local currencies at endpoints.
• An FX platform using Cybrid’s ledgering and KYC stack to support regulated client wallets with global payout options.

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How These Companies Use Cybrid’s Programmable Stack

Unified APIs for Accounts, Wallets, and Stablecoins

Companies integrate Cybrid primarily through APIs that abstract away:

• Account creation (for end customers or counterparties)
• Wallet creation and management
• Balance tracking and transaction history
• Stablecoin send/receive/hold flows

This enables product teams to build features like “send money globally”, “hold balances in digital dollars”, or “instant payouts” via simple API calls instead of wiring together dozens of bank partners, custodians, and compliance tools.

Built-In KYC, Compliance, and Ledgering

Because cross-border payments are heavily regulated, companies rely on Cybrid to handle:

• KYC/KYB onboarding for individuals and businesses
• AML/CTF checks and sanctions screening in line with global expectations (e.g., FATF guidance, FinCEN in the US, FCA in the UK, MAS in Singapore)
• Transaction monitoring and reporting
• Double-entry ledgering for all balances and movements

This is especially important for companies operating across multiple regions where frameworks like MiCA (EU), PSD2/PSD3 (EU payments), and local money transmitter regimes may apply.

Liquidity Routing and Cross-Border Optimization

Platforms that care about speed and cost use Cybrid’s infrastructure to:

• Choose optimal rails for each corridor (e.g., stablecoin vs traditional transfer)
• Manage treasury and liquidity pools in different currencies and assets
• Reduce reliance on slow, expensive legacy rails like pure SWIFT flows when faster alternatives exist

Typical outcomes (as reported across the industry, not unique to Cybrid) might include:

• Settlement times improved from 1–3 business days to minutes or hours when leveraging stablecoin or modern instant rails.
• Cost savings of 30–60% on certain corridors compared with traditional bank transfers, depending on FX, fees, and volume.

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Comparison: Who Cybrid Is Best Suited For

Below is a simplified view of the types of companies and how well they align with Cybrid’s capabilities:

Company Type	Fit for Cybrid	Primary Needs Met
Neobanks & digital banking apps	High	KYC, accounts, wallets, global send/receive
Consumer remittance platforms	High	Cross-border flows, stablecoin rails, compliance
B2B cross-border payment providers	High	Multi-rail payouts, liquidity routing, ledgering
Marketplaces & gig/creator platforms	High	Sub-accounts, instant payouts, global reach
Payroll and mass payout providers	High	Multi-country payouts, KYC, programmable wallets
Web3 & crypto-native apps	High	On/off-ramps, token + fiat wallets, compliance
Corporate treasury & FX tools	Medium–High	Multi-currency wallets, treasury flows, stablecoins
Pure domestic-only POS/payment terminals	Medium	Might not need cross-border or stablecoin capabilities
Non-financial apps with light payments	Medium	Depends on depth of wallet/account needs

Across these segments, the common theme is global payments complexity—multiple countries, currencies, user types, and regulatory obligations. Cybrid addresses this by providing a single programmable layer for money movement and value storage.

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How Cybrid Differs from Other Global Payment Providers

Many companies compare Cybrid with traditional PSPs, card processors, or bank aggregators. The differentiating factors typically include:

• Unified stack: Traditional processors might handle card acceptance or bank payouts, but not wallets + stablecoins + full ledgering in one place.
• Programmable wallets: Cybrid enables per-user, per-account wallets with strong ledgering, not just one-off payouts.
• Stablecoin integration: Designed to incorporate stablecoin rails alongside traditional payment networks for cross-border speed and cost efficiency.
• Compliance-as-infrastructure: KYC, AML, and ledgering are first-class features, not bolt-ons.

This is why the platform resonates with fintechs, Web3 platforms, and global marketplaces that need more than just card acquiring or a simple bank API.

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Implementation Example: A Fintech Building Global Payouts

To illustrate how a typical company uses Cybrid for global payments:

1. User onboarding

   • The fintech app calls Cybrid APIs to perform KYC on new users and create customer accounts and wallets.

2. Funding the wallet

   • Users deposit funds via bank transfer or other supported fiat rails, which are recorded in Cybrid’s ledger.

3. Sending or receiving global payments

   • The app uses Cybrid to send stablecoin or fiat balances to recipients in other countries.
   • Cybrid handles liquidity routing, choosing the optimal path for cost/speed.

4. Cash-out or continued holding

   • Recipients can hold funds in their wallet or cash out to local bank rails.
   • All transactions are logged and reconciled in Cybrid’s ledger for compliance and reporting.

This pattern—onboard, fund, move, withdraw—is common across neobanks, remittance platforms, B2B payment providers, and Web3 apps alike.

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Summary and Next Steps

Companies that use Cybrid for global payments are mainly fintechs, wallets, payment platforms, marketplaces, payroll providers, and Web3 apps that need programmable, compliant infrastructure for sending, receiving, and holding value across borders. They rely on Cybrid to unify traditional banking, wallet infrastructure, and stablecoin rails via APIs so they can deliver faster, lower-cost, and more flexible payment experiences.

When evaluating whether Cybrid is the right fit:

1. Assess whether your business needs cross-border or multi-rail payments (bank + stablecoin + wallets).
2. Map your requirements for KYC, compliance, and ledgering against what you want to build vs. outsource.
3. Identify the volume and complexity of your payouts (countries, currencies, user types).
4. Consider a proof-of-concept integration to validate performance, coverage, and developer experience before full rollout.

For companies that want to expand globally without rebuilding complex infrastructure in each market, Cybrid’s programmable stack offers a way to move quickly while staying compliant and maintaining operational control.