Borderless reports stablecoin cost advantages across remittances and cross-border payments

  • Borderless reported lower stablecoin-funded remittance costs than traditional benchmarks across several regions.
  • A $200 stablecoin remittance cost $2 versus $12.72 traditionally, while a eurozone business payment cost as little as $26.
  • Payout completion rates ranged from 73% in Costa Rica to 98.6% in Mexico during the third quarter.

Borderless.xyz reported cost and speed advantages for stablecoin transfers, while stressing that pricing varies by corridor, transfer size, provider and local payment network. Its Q3 2026 comparison put the median stablecoin-funded remittance cost at 1%, or $2 on a $200 transfer, versus 6.36%, or $12.72, in the World Bank’s Q3 2025 global average, a calculated 84.3% reduction. The datasets cover different periods and use different measures: Borderless reported a median, while the World Bank figure is an average. Q3 regional figures showed stablecoin costs of 2.9% in Sub-Saharan Africa and 1.25% in Latin America, compared with traditional benchmarks of 8.46% and 5.64%, respectively. A $10,000 stablecoin-funded business payment to the eurozone cost as little as $26 through the lowest-priced provider, versus $52 at the median provider and $135 to $150 for a traditional bank wire that included an assumed 1% foreign-exchange margin. Payouts reached local accounts in two or three minutes on several Latin American networks, but completion rates ranged from 73% in Costa Rica to 98.6% in Mexico. Borderless’s Q2 2026 benchmark found a median delivery cost of 27.2 basis points, or $27.20, for a $10,000 transfer across 260 corridors, and a median Routing Tax of 23.3 basis points when users did not select dynamically among providers. Separate corporate trials included Hyundai Motor’s $20,000 USDT transfer between its U.S. and Mexican operations and Lloyds Banking Group’s $750,000 USDC settlement with Visa.

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