Almond FinTech

Almond will be speaking at the MIT Sloan FinTech Conference this Friday. The focus: how stablecoins are evolving into financial infrastructure — and what determines real-world performance on top of those rails. Join us: 📍 MIT Samberg Conference Center, Cambridge 📅 February 20, 2026 Registration: https://lnkd.in/gRikyr3K #FinTech #Stablecoins

Get today's best FX rate in your corridor. Tell us where you're sending — we'll show you what's possible. https://lnkd.in/e8ECH2ZU #CrossBorderPayments #FXOptimization #GlobalPayments #Fintech #ForeignExchange #PaymentIntelligence

Nice feature about our Co-Founder & CEO Adam Swartzbaugh, and the mission driving Almond FinTech. From managing disaster relief in Thailand to recognizing financial inclusion as the foundation for economic mobility, Adam's journey led him to MIT and Harvard—and ultimately to creating the intelligence layer for global money movement. Thank you to T Palmer Agency for the great coverage. Read the full story: https://lnkd.in/ePjRfrcd #FinTech #CrossBorderPayments #Blockchain #FinancialInclusion #PaymentInnovation #DigitalCurrency #Stablecoins

Proud to share groundbreaking research from our CEO/cofounder and CEO Almond, Adam Swartzbaugh, on the true dynamics of stablecoin FX. We analyzed 106,248 real-world settlement data points across LATAM and APAC corridors, and the findings are clear: stablecoins aren't static rails — they're dynamic, multi-asset liquidity networks with material performance differences. Our data shows combined routing + timing optimization delivers 32.57 bps improvement over traditional approaches. This is exactly why we built Almond's programmable FX engine to optimize across token, chain, routing, timing, and multi-path composition. At Almond, we're proving that intelligent orchestration consistently outperforms both traditional FX and single-stablecoin strategies. Full report in Adam's post below. 👇 #CrossBorderPayments #Stablecoins #FXInnovation #Fintech

Almond delivers up to 200 basis points better FX rates on cross-border payments Here's how: We're the first AI-powered platform to optimize FX routing across three dimensions—path, timing, and composition—recovering value from the $150 billion lost annually to inefficient routing. Our Settlement Optimization Engine evaluates 100+ combinations of stablecoins and blockchains in real-time to find the most efficient route for every transfer. Unlike stablecoin solutions that stop at crypto, we complete the last mile with true fiat-to-fiat settlement. Watch our new explainer video to see how we're building the intelligence layer for global money movement. 👇 https://lnkd.in/ejSd3b7B #CrossBorderPayments #FinTech #AI #TreasuryManagement #PaymentInnovation

The $150 trillion question: Will banks adapt to stablecoins or get left behind? Our CMO Howard Davidson's latest piece in DailyCoin cuts through the noise on cross-border payments. The numbers are stark: Legacy systems: 2-5 days settlement, $25-$35 per transaction Stablecoins: Seconds settlement, up to 99% cost reduction 57% of banks are actively exploring stablecoin adoption. Major institutions like Western Union, Citi, and ClearBank are already piloting production infrastructure. Unlike CBDCs (which centralize control) or single-vendor solutions like Ripple (which create bottlenecks), stablecoins operate across multiple chains, custody models, and compliance frameworks—giving institutions the flexibility they actually need. The multi-chain fragmentation challenge? It's temporary. Cross-chain routing middleware is already here, enabling real-time optimization across blockchains for cost, liquidity, and compliance. This isn't about blockchain hype. It's about balance sheets, treasury logic, and a cost curve that legacy rails simply can't match. Read the full analysis: https://lnkd.in/eft7KwS8 #CrossBorderPayments #Stablecoins #FinTech #TreasuryManagement #PaymentInnovation

Holiday Liquidity: What 1,889 Thanksgiving Week FX Settlements Revealed About MXN→USD Routing We analyzed performance across all settlement rails during November 26–30 and found measurable execution differences depending on timing and currency. Performance by Settlement Currency We measured cost performance against a USD benchmark throughout the week: -Bitcoin: Delivered best pricing on Monday, but costs increased by approximately 35 basis points on Thursday -Ethereum: Showed strong performance on Wednesday, then weakened by roughly 28 basis points on Friday -Stellar (XLM): Achieved optimal pricing on Tuesday, but costs rose significantly on Saturday (+40 basis points) -USDC: Performed best on Tuesday, with costs widening by approximately 22 basis points on Friday -USDT: Solid performance on Wednesday, but lagged by approximately 33 basis points on Saturday Time-of-Day Swings -Peak volatility: 13:00–17:00 UTC (U.S. market closures + reduced crypto liquidity) -Best execution: 03:00–08:00 UTC (Asia/Mexico activity tightens spreads) -Difference: Up to 50 basis points depending on hour and rail The Impact For $10M weekly volume, timing differences = $20K–$50K cost variance. Multi-rail orchestration across 120+ stablecoins and bridge currencies means Almond routes through the optimal path hour-by-hour, smoothing seasonal volatility. Holiday periods aren't operational friction—they're alpha opportunities when you have real-time routing intelligence. #CrossBorderPayments #FX #TreasuryManagement #Stablecoins #PaymentInfrastructure #FinTech #Blockchain #SettlementOptimization

225 basis points matter when you're paying your team. We just processed a $30K payroll payment from the US to Singapore. Traditional bank rate: 1.2722 USD/SGD (MMR minus 250 bps) Almond rate: 1.30125 USD/SGD (MMR minus 25 bps). 225 bps better. That's real money back to your team or your bottom line. Our technology intelligently routes payments across 100+ combinations of stablecoins and blockchains to get you as close to mid-market or better. Settlement time? 7 hours. No need to tie up working capital for days. For corporate treasurers managing international payroll: those basis points compound fast. Want to see what rate we can get for your next global payroll? Let's talk. #Fintech #CrossBorderPayments #FX #Payroll #CorporateTreasury

Does your organization send money across borders? That's where Almond steps in. AI-powered, three-dimensional optimized routing—across tokens, chains, and time. Multi-chain. Token-agnostic. Fully compliant. Almond routes across 100+ combinations of stablecoins and blockchains, turning volatility into value with market-beating FX rates and instant settlement. Smarter paths. Smarter timing. Smarter settlement composition. Almond FinTech — the intelligence layer for global money movement. 👉 Watch the video: https://lnkd.in/e29r8K-D #CrossBorderPayments #TreasuryManagement #Blockchain #Stablecoins #FinTech #FX #AI

The energy at #CrossTechWorld2025 is exactly what the industry needs right now. Real-time payments and cross-border innovation aren't future concepts—they're happening today. At Almond FinTech, this is what we do, and events like this prove how ready the market is for transformation. Our team members, Steve Villegas and Adam Swartzbaugh, are energized heading into Day 2. Looking forward to more conversations about what's possible when payments infrastructure meets real innovation. #CrossBorderPayments #Fintech #RealTimePayments