Virtual accounts and stablecoins activate global transfers: How Noah and Fin.com are redefining cross-border payments

Remittance challenges are changing. Faced with slow international transfers and high costs, the collaboration between Noah and Fin.com opens new possibilities for users worldwide—through virtual accounts and automatic stablecoin conversions, making cross-border payments as simple as local transfers.

Root Cause: Why Are Traditional International Transfers So Complex?

Millions of people face the same dilemma every day: sending money to overseas family, receiving international income, or managing cross-border funds. In traditional banking systems, these transactions often take days, incur high fees, and sometimes require physical bank accounts in the destination country. This is especially true in emerging markets like South Asia and Southeast Asia—where local currency devaluation risks are high and obtaining international accounts is difficult.

For users in Bangladesh, Nepal, the Philippines, India, Pakistan, and Indonesia, stablecoins have become a key tool for cross-border remittances and fund protection. But the prerequisite is a secure and compliant channel to receive and convert funds.

Solution: The Power of Virtual Accounts and Automatic Conversion

Noah’s virtual account infrastructure combined with the Fin.com app is removing these barriers. This partnership provides hundreds of thousands of users with direct access to euro and dollar accounts within the app—no traditional bank accounts needed.

The process involves three core steps:

Account Activation and Identity Verification — Users complete identity verification within the Fin.com app, while Noah handles all KYC checks, anti-money laundering procedures, and compliance monitoring. The entire process is real-time, and users receive their virtual accounts.

Funds Arrival and Automatic Exchange — Family, employers, or remote platforms transfer funds using the virtual account details. Once received, the funds are automatically converted into stablecoins and stored in the user’s Fin.com wallet. No delays, no extra steps.

Flexible Usage — Users can immediately spend, transfer, or store stablecoins using existing Fin.com features, with all transactions settled in local currency.

Scale and Impact: 2 Million Users, $250 Million Monthly Transaction Volume Goal

This service already covers 200,000 users and plans rapid expansion. The goal is to support over $250 million in monthly transaction volume, reflecting the urgent global demand for fast, secure cross-border payment solutions.

In emerging markets, stablecoins are especially important for protecting against local currency devaluation. Fin.com co-founder Hussain Elius states: “Noah’s regulated virtual accounts allow our users to receive international remittances as easily as local transfers. Automatic conversion into stablecoins ensures full control of funds without needing to open bank accounts in Europe or the US.”

Global Coverage, Regional Focus

The service targets users in the US, UAE, Europe, and South Asia, especially those working and living across multiple countries. Fin.com has deployed infrastructure in India, Bangladesh, Pakistan, the Philippines, Nepal, Singapore, and other regions.

Noah and Fin.com: The New Foundation of Financial Interoperability

Noah positions itself as the infrastructure layer connecting banks, payment networks, and digital finance, enabling compliant, real-time fund flows worldwide through tools like Bank On-Ramp, Global Payouts API, Hosted Checkout, and Rules Engine.

Fin.com exemplifies modern applications, offering savings, spending, and cross-border transfer functions without the need for traditional bank accounts. The combination of both marks a step toward more inclusive, user-friendly, and transparent global finance.

Practical Significance: Ending the Complexity of Transfers

This partnership addresses not just technological issues but societal ones. Millions relying on international remittances, freelancers, digital workers, and immigrant families can now receive funds at lightning speed and transparent costs. In an era of inflation and currency instability plaguing many emerging markets, the combination of stablecoins and virtual accounts provides a clear way forward.

The future of cross-border payments has arrived—faster, safer, and more accessible.