Key trends include: 

• Cross-border Payment Expansion – Unlocking New Revenue Streams: With dLocal expanding with MoneyGram, the message is clear: conquering the global payments arena requires robust local partnerships and localized digital currency innovations. For fintechs looking to follow this path, the key takeaway is the ability to provide localized, yet scalable solutions that meet regulatory, infrastructural, and consumer needs. 

• Embedded Finance and B2B Ecosystem Revolution: The launch of Brex Embedded Payments illustrates a growing trend where payment processes are becoming invisible yet indispensable. By offering API-driven solutions, Brex is enabling B2B vendors to integrate payments directly into their workflows, reducing friction and enhancing user experience. Businesses that adopt embedded payments early, especially through flexible API infrastructure, can differentiate themselves by offering smoother, faster, and more secure transactions, making it easier for partners and customers to engage.

• Crypto and Real-Time Payment Innovations: Visa’s collaboration with dtcpay and Circle’s USDC expansion in Latin America illustrate the global drive toward digital currencies and real-time transactions. Crypto payments are evolving from niche offerings to mainstream solutions, especially for high-net-worth clients and cross-border payments. This shift presents businesses with opportunities to access new markets while offering faster, more cost-effective transactions.