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I build and scale commercial strategies that help businesses move money across borders…
Artikel von Thomas 🦄 Pinter
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Thomas 🦄 Pinter hat dies geteiltProject Agorá just proved tokenised cross-border payments can settle in minutes, not days. That's real progress. But here's what the headlines aren't telling you. Tokenisation solves the settlement layer. It doesn't touch the reason your cash is actually stuck. I've sat with treasurers in Lagos and Nairobi who watch their balances sit idle for weeks. Not because the rails are slow. Because the local FX controls, the documentation requirements, and the repatriation approvals have nothing to do with whether the payment is tokenised or not. You can tokenise a payment from Nigeria to London in seconds. You still need the Central Bank's approval to move the money out. You can settle a Brazilian real payment instantly. You still need to navigate the remittance rules that determine whether those reais ever become dollars. The infrastructure is getting faster. The regulatory reality isn't. So what does Project Agorá actually mean for a treasurer with trapped funds in an emerging market? It means the settlement delay component of your problem is shrinking. The part that remains — the FX controls, the approvals, the local clearing requirements — is now a bigger share of your total friction. That's not a bad thing. It clarifies where the real work is. The winners here aren't the companies that adopt tokenisation first. They're the ones that pair faster settlement with a treasury operation that actually understands how to move money through regulated corridors — the documentation, the timing, the relationships with local banks, the hedging strategy that protects you while you wait. Technology compresses the process. It doesn't replace the expertise. If you're a treasurer watching the tokenisation news and wondering what it means for your trapped balances, ask yourself one question: is my bottleneck settlement speed, or is it the corridor itself? If it's the latter, faster rails won't free your cash. Curious how other finance leaders are thinking about this — what's your biggest bottleneck right now?
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Thomas 🦄 Pinter hat dies geteiltThe banks stopped asking if stablecoins work. Now they're building on them. In the last week alone: J.P. Morgan is reportedly exploring its own #stablecoin. Shinhan Finance and Visa signed an agreement to pilot stablecoin issuance, remittance and card payments in Korea. A consortium of seven US banks already has one live. None of this is speculation about the future of money. It's institutions catching up to where volume already is. Because while the headlines chase which giant issues next, the real payment flows are in the corridors most people don't cover. ~90% of #Brazil's crypto activity is stablecoins. Over 70% in #Argentina. Nigeria alone accounts for the majority of Sub-Saharan Africa's inflows. These aren't traders, they're businesses moving money across borders that correspondent banking prices at 5–7% and settles in days. Stablecoin rails cut that to under 1% and settle same-day. That gap is the whole opportunity. Regulation is closing in (GENIUS Act rulemaking, MiCA, licensing across Asia), and that's good, clarity is what pulls treasurers off the sidelines. The winners won't be whoever issues the flashiest coin. They'll be whoever can move real money, in real corridors, and prove every transaction to a regulator. That's the work and we are at Damisa committed to deliver. #Stablecoins #CrossBorderPayments #Fintech #B2BPayments #EmergingMarkets
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Thomas 🦄 Pinter hat dies geteiltRevolut launched its own #euro #stablecoin this week. It is not the first bank to do it, and that is the interesting part. #EURR is a euro-pegged e-money token, issued by Stripe-owned Bridge under #MiCA, offered inside the Revolut app. Rollout starts this month in Denmark, Portugal and Poland, with more currencies to follow. But a bank shipping a regulated euro token is not new. Societe Generale has run one since April 2023. ANZ, ABN AMRO Bank N.V. and a string of regional banks are already issuing. SoFi shipped the first US bank stablecoin in December. J.P. Morgan has had a deposit token live since November. So if issuance is this well trodden, why is the entire euro stablecoin market still only about $810m? Because issuance was never the hard part. Distribution is. Look at the two models forming. Build it yourself. Societe Generale owns its rails end to end. Three years in, #EURCV supply is still tiny. Good engineering, no reach. Rent the rails, keep the customer. Revolut bought its plumbing from Stripe and brought 80m accounts. SoFi rented from BitGo. PayPal rented from Paxos. In each case the bank treats issuance as a supplier decision and the customer relationship as the moat. That reframes what a bank stablecoin actually is. Less a technology play, more a distribution play. Which is why the next move is already visible: consortiums. Nine Italian banks are building EUR.BANK. Japan's three megabanks are launching together by 2027. The US big four are pooling into a shared tokenised-deposit network. None can out-distribute a neobank alone, so they are combining balance sheets and customer bases to try. What to watch in 2027 is not who can mint a compliant token. That question is closed. It is whose token actually gets used, because it sits inside something people already open every day. We think about this every day at Damisa, one layer down in #crossborder B2B. No client has ever asked us for a stablecoin. They ask for money that lands same-day, in their counterparty's local currency, with escrow they trust and a cost they can see. The token is just how we move value between those two points. We keep it under the hood. That is the real lesson in Revolut's launch. Issuance is a supplier decision. Rails win the account, the product wrapped around them wins the wallet. Own the customer and the use case, rent the rest. #crossborder #stablecoin
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Thomas 🦄 Pinter hat dies geteiltWatching #TedLasso Season 4, and there it is, right there sponsoring AFC Richmond: #Pinter & Sons. Turns out I've got a family business bankrolling a #PremierLeague club and nobody told me. Free global brand awareness for the surname? I'll take it. Thanks, Ted. But here's the name I'd actually love to see go global: Damisa. Not a fictional sponsor in Richmond. A very real cross-border payments company moving money across the corridors most providers avoid Africa, LATAM, Asia. #Stablecoin infrastructure, local IBANs, #escrow, and payouts that actually land. Ted got a club to believe. We're getting businesses to believe that cross-border payments don't have to be slow, expensive, or a black box. So if you spotted "Pinter" on a Greyhounds shirt this season, appreciated. Just do me one favour and remember #Damisa too. And if you move money across borders, let's talk. Onward. 🐾 #crossborderpayments
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Thomas 🦄 Pinter hat dies geteiltThe Reserve Bank of Australia said it plainly this year: cross-border payments are more expensive, more opaque and slower than domestic ones. The G20 has set targets to fix that by end 2027. #Australian businesses do not have until 2027. If you are paying suppliers or collecting revenue across Africa, LATAM or Asia today, the friction is real now. Fragmented banking relationships. FX spreads you cannot see until settlement. Days of float on money that should move in hours. Half of businesses are overpaying by up to 20%, and most do not know it because the cost is spread across four hidden stages instead of one clear line. Regulation will close some of this gap. Better infrastructure will close more. That is where Damisa sits. Multi-currency accounts, stablecoin settlement with local off-ramp, automated escrow, and same-day movement on the corridors legacy rails treat as an afterthought. The businesses that treat payment infrastructure as a strategic asset, not a back-office cost, will carry the margin advantage into the next cycle. Where does your money lose the most time and cost today, going out or coming in? #crossborder Damisa
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Thomas 🦄 Pinter hat dies geteiltHolidays in Greece: done. Batteries: recharged. There is something about stepping away that sharpens the view. The goals feel clearer, the priorities sharper, the energy higher. Now the fun part begins. Q4 is where the year gets won, and I am coming back to close it out as the strongest one yet, alongside a team I could not be prouder to build with. Let's go beyond. Damisa, #crossborder #crossborderpayments
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Thomas 🦄 Pinter hat dies geteilt🚀 Big news 🚀 . After securing our #AFSL in Australia, Damisa is now registered as a Money Services Business with #FINTRAC in Canada. Every licence we add is more than a certificate on the wall. It means more corridors we can move money through, more currencies we can settle in, and more trust for the businesses that rely on us to get funds where they need to go.For our customers this is simple. Fewer intermediaries, more coverage, and a partner who does the regulatory heavy lifting so they don't have to. #Australia and #Canada are just the start. We're building Damisa into the payments backbone for the markets others find too hard. Huge thanks to the team that got both of these over the line. This is what execution looks like.
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Thomas 🦄 Pinter hat dies geteiltThis week I'm speaking at WikiEXPO in Hong Kong. Panel: "Trust, Liquidity and Compliance: What #stablecoins still need to scale." Here's the tension I want to dig into. Everyone agrees on where stablecoins scale first. High-growth B2B payments. Emerging-market corridors where legacy rails are slow, expensive, or simply broken. But there's a gap nobody likes to say out loud. End-users do not want crypto. They don't want wallets, gas fees, seed phrases, or block explorers. They want their money to arrive. Fast, in full, every time. That is the real bar. Not "better than crypto." As invisible and reliable as SWIFT. So the question for infrastructure providers is simple: How do we make stablecoin settlement something the end-user never has to think about? My take: the winners will hide the chain completely. Compliance built in, not bolted on. Liquidity that is there before it's needed. A payout that feels identical to a bank transfer, because to the user, it is one. The technology is ready. The experience is the work that remains. If you're at the expo this week, come find me. Let's talk corridors, compliance, and what real scale looks like. Damisa, Justin Gao, Joe Zhou Hao, Michael Ho, Nenter Chow,
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Thomas 🦄 Pinter hat dies geteiltVisa just launched the @Visa Stablecoin Platform #VSP, one environment for institutions to mint, move and manage stablecoins, starting with Open USD, wired into Visa's settlement and treasury rails. The line that stood out to me was Visa's own: "the hard part isn't the concept, it's the operational reality." Exactly right. And in the markets we work in, that reality goes one layer deeper. A treasurer in Lagos or Buenos Aires doesn't lie awake over which token to hold. They lie awake because revenue is sitting idle in a market they can't repatriate from, exposed to an FX rate they can't hedge, waiting on settlement that lands days late. Mint, move and manage is the easy 20%. Sourcing local liquidity and getting hard currency out, reliably, within the rules, is the 80% that actually frees the cash. That 80% is what we built Damisa for. And soon, Visa's stablecoin settlement will be available directly on our platform, so treasurers get Visa's network and reach, paired with the on-the-ground liquidity and FX muscle to actually move trapped balances. The infrastructure is finally catching up to the ambition. The operators who win are the ones who solve the last mile. Which corridor is trapping your cash? Tell me and I'll show you how we'd unlock it. #crossborder #VisaStablecoinPlatform
Thomas 🦄 Pinter hat einen Beitrag kommentiert
2 Min.
Fast settlement doesn't count for much if the data trail is messy and finance still has to match entries manually.
That reconciliation lag also locks up cash that could be working elsewhere.
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Brand Management
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Negotiation Strategies
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MGMT 6034
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MKTG 6088
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Diogo Mónica
Today Mastercard acquired BVNK for $1.8B. The payments industry has decided it cannot afford to not own these rails. I’ve had the privilege of working closely with Jesse, Don, and Chris for years. What they built at BVNK isn’t a single-layer product, it’s the full stack. Wallet infrastructure, routing technology, direct banking relationships, regulatory licenses across jurisdictions. That kind of vertical integration takes years of patient, disciplined building. Congratulations to Jesse, Don, Chris, and the entire BVNK team.
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