Endl Raises $1.5M to Transform Cross-Border Payments with Stablecoin Infrastructure for Emerging Market Businesses

Fintech platform Endl has successfully closed a $1.5 million pre-seed funding round, attracting investment from prominent backers including Iterative Singapore, 500 Global, and the XRPL Accelerator by Tenity. The capital injection represents a critical milestone for the company as it seeks to revolutionize how businesses in emerging markets manage cross-border payments, combining traditional banking infrastructure with blockchain-powered stablecoin technology.

The funding will enable Endl to accelerate its expansion across Southeast Asia, the Middle East, and India regions experiencing rapid digital transformation but hampered by inefficient legacy payment systems. With this investment, the company plans to strengthen its product capabilities, enhance regulatory compliance infrastructure, and deepen its footprint in markets where businesses face significant challenges accessing reliable, cost-effective international payment solutions.

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Addressing Critical Infrastructure Gaps in Global Payments

The global fintech sector witnessed a dramatic resurgence in 2025, with private equity and venture capital investments surging to $18.54 billion, marking a decisive recovery after consecutive years of declining investment activity. This renewed institutional confidence in fintech innovation provides favorable conditions for startups like Endl that are tackling fundamental inefficiencies in global financial infrastructure.

Endl offers businesses a unified platform to manage multi-currency accounts, hold and convert both fiat currencies and stablecoins, and execute international payouts with unprecedented speed and transparency. The platform supports USD, EUR, CAD, and GBP fiat accounts alongside compliant stablecoin payment capabilities, providing businesses with flexible tools to navigate the complexities of global commerce.

A distinctive element of Endl’s offering is its corporate card program, which enables businesses to directly spend their global balances across online and offline merchants worldwide. These cards are linked to users’ multi-currency and stablecoin wallets, allowing seamless conversion at the point of transaction and giving companies greater control over international expenses, subscriptions, and operational spending.

Stablecoins at the Core of Financial Infrastructure

Unlike conventional fintech solutions that treat digital assets as supplementary features, Endl has architected its platform with stablecoins as a foundational component. This design philosophy allows the platform to optimize liquidity, reduce intermediary costs, and deliver near real-time settlements while maintaining full regulatory compliance—a combination that has historically been difficult to achieve in traditional banking systems.

The timing of Endl’s launch coincides with remarkable growth in the stablecoin market, which reached a record $300 billion in capitalization in late 2025, representing a 46.8% year-to-date increase. This expansion reflects growing institutional and retail confidence in dollar-backed digital currencies as reliable stores of value and efficient payment mechanisms, particularly in regions experiencing currency volatility or limited access to US dollar liquidity.

In October 2025 alone, Ethereum-based stablecoins processed $2.82 trillion in on-chain transaction volume, setting an unprecedented record that demonstrates the blockchain’s role as the backbone of modern digital finance. This 45% increase from the previous month signals not just market growth, but a fundamental shift in how investors, traders, and institutions manage liquidity across global markets.

Reflecting on Endl’s architectural approach, Co-Founder Ashita Batra stated, “Endl empowers both Web3 and Web2 organizations with USD, EUR, CAD and GBP fiat accounts, access to compliant stablecoin payments, stablecoin to fiat cross-border remittances, treasury management and yield products. Our focus has always been on giving businesses institutional-grade tools without complexity.”

Leadership with Deep Industry Expertise

Endl is led by founders with substantial experience in banking, payments, and financial technology—credentials that have proven valuable in attracting institutional investment and navigating complex regulatory environments across multiple jurisdictions.

Ashita Batra, Co-Founder and Chief Executive Officer, brings a strong background in economics and digital finance to her role. Her leadership philosophy centers on making global money movement intuitive and reliable for businesses that are often underserved by traditional banking institutions, particularly those operating in emerging markets where access to correspondent banking relationships remains limited.

Co-Founder and Chief Technology Officer Tejas Arun leads the company’s technology strategy, building scalable and secure infrastructure designed for multi-market operations. Under his technical leadership, Endl supports multiple blockchain networks while ensuring enterprise-grade security protocols and regulatory compliance across diverse regulatory frameworks.

Together, the founding team shares a long-term vision of rebuilding global financial infrastructure around the principles of speed, transparency, and accessibility—values that resonate particularly strongly in emerging markets where traditional banking infrastructure has historically excluded or underserved significant portions of the business community.

This vision is reflected in a recent company statement: “Traditional banking was designed for a single nation and currency. Modern teams are global in scope, and Endl is moving the needle by making global business banking simpler with stablecoin efficiency and multi-currency tools.”

Solving Critical Problems in Emerging Market Payment Infrastructure

Across many emerging economies, businesses face significant challenges accessing reliable, cost-effective methods for international payments and foreign exchange conversions. Traditional correspondent banking relationships are expensive to establish and maintain, often requiring minimum volumes that exclude smaller businesses. Wire transfers can take days to settle and carry fees that make small-value transactions economically unviable.

In response to these limitations, many businesses have turned to informal peer-to-peer exchanges to convert stablecoins into local currencies. While these channels offer speed and convenience, they are frequently unreliable, unregulated, and exposed to operational and fraud risks that can result in significant financial losses.

Endl addresses this infrastructure gap by offering a compliant alternative that abstracts away complex blockchain mechanics from end users. Businesses can collect payments from clients in the United States and Europe, manage funds securely across multiple currencies and digital assets, and use their Endl Corporate Cards for day-to-day spending on travel, software subscriptions, and digital services—all within a regulated framework that provides legal recourse and consumer protection.

This integrated approach reduces dependency on fragmented financial tools and enables smoother global operations. Rather than juggling multiple banking relationships, cryptocurrency exchanges, and corporate card providers, businesses can consolidate their international financial operations on a single platform that bridges traditional finance and digital assets.

Strategic Support from Leading Accelerators and Investors

Endl’s participation in several prominent accelerator programs demonstrates strong institutional confidence in its business model and leadership team. The company has been selected for 500 Global’s Sanabil Accelerator, a program focused on supporting high-potential startups in financial services and technology sectors, particularly those addressing underserved markets in the Middle East and emerging economies.

Similarly, the XRPL Accelerator by Tenity provides Endl with access to expertise and resources specific to building on the XRP Ledger, a blockchain platform designed for efficient cross-border payments and asset tokenization. This relationship positions Endl to leverage one of the most established blockchain networks for enterprise payment applications, benefiting from the network’s speed, low transaction costs, and proven track record in financial institution partnerships.

Iterative Singapore, a venture capital firm focused on early-stage technology companies in Southeast Asia, brings regional expertise and networks that will prove valuable as Endl expands its operations across the diverse regulatory and business environments of the region. The firm’s investment reflects growing recognition that Southeast Asia represents one of the world’s most dynamic markets for fintech innovation, with significant opportunities to leapfrog legacy infrastructure.

The backing from 500 Global, one of the world’s most active early-stage venture capital firms with a portfolio spanning over 2,800 companies across 77 countries, provides Endl with access to a global network of mentors, potential customers, and follow-on investors. The firm’s extensive experience supporting payments and financial services startups across emerging markets offers strategic value beyond the capital itself.

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Broader Trends Driving Stablecoin Adoption in Emerging Markets

Endl’s launch comes amid a broader transformation in how businesses and individuals in emerging markets access global financial services. The integration of stablecoin technology into payments infrastructure addresses several persistent challenges that have limited cross-border commerce and constrained economic growth in developing economies.

Currency volatility remains a significant concern in many emerging markets, where local currencies can experience rapid depreciation against major reserve currencies. Stablecoins pegged to the US dollar or Euro provide businesses with access to stable stores of value without requiring offshore bank accounts, which can be difficult or impossible to obtain for companies in certain jurisdictions.

The infrastructure required to support stablecoin payments has matured significantly in recent years. In Kenya, for example, Tether’s strategic investment in fintech startup Kotani Pay has helped expand access to USDT across African markets, addressing critical infrastructure gaps that historically limited African participation in global digital financial systems. Similar initiatives are emerging across Southeast Asia and the Middle East, creating a more robust ecosystem for digital asset-based commerce.

Major payment networks have also recognized the potential of digital currencies to expand their addressable markets. Mastercard’s expansion of its acceptance network across Africa by 45% in 2025 demonstrates how established financial infrastructure providers are investing heavily in emerging markets, creating complementary opportunities for innovative payment solutions like Endl’s platform.

In parallel, traditional payment giants are establishing strategic partnerships with regional fintech leaders. The landmark partnership between Safaricom and PayPal, enabling seamless fund transfers between M-Pesa and PayPal accounts, illustrates how incumbent payment platforms are adapting to local market conditions and building bridges between regional systems and global networks.

Regulatory Evolution Supporting Compliant Stablecoin Solutions

The regulatory landscape for stablecoin-based payment services has evolved considerably, with jurisdictions worldwide developing frameworks to balance innovation with consumer protection and financial stability concerns. Europe’s Markets in Crypto-Assets Regulation (MiCAR), which came into full effect in 2024, established comprehensive rules for stablecoin issuance and service provision, providing legal clarity that has enabled compliant business models to flourish.

Nine major European banks announced plans in late 2025 to launch a MiCAR-compliant euro stablecoin, demonstrating that even traditional financial institutions recognize the value of blockchain-based payment infrastructure when properly regulated. This institutional validation of stablecoin technology creates favorable conditions for startups like Endl that have prioritized regulatory compliance from inception.

In emerging markets, regulatory approaches vary considerably. Some jurisdictions have embraced digital assets as a pathway to financial inclusion and economic development, establishing clear licensing frameworks for stablecoin service providers. Others maintain more cautious approaches, requiring extensive consultations with financial regulators and careful structuring of service offerings to comply with existing payments and banking regulations.

Endl’s emphasis on building compliant infrastructure from the ground up—rather than seeking forgiveness for regulatory violations after achieving scale—positions the company to operate sustainably across diverse regulatory environments. This approach may limit initial growth velocity compared to competitors willing to operate in regulatory gray zones, but it creates a more durable foundation for long-term expansion and institutional partnerships.

Product Roadmap and Market Expansion Strategy

With the newly secured capital, Endl has outlined an ambitious product development and market expansion roadmap designed to solidify its position as a leading payments infrastructure provider for emerging market businesses.

The company plans to enhance its corporate card program with additional features including granular spending controls, automated expense categorization, and integration with popular accounting software platforms. These capabilities will make Endl’s cards more competitive with established corporate card providers while maintaining the unique advantage of multi-currency and stablecoin funding sources.

On the payout side, Endl is developing advanced batch payment capabilities that will enable businesses to disburse funds to hundreds or thousands of recipients simultaneously—a critical feature for platforms, marketplaces, and companies with distributed workforces or contractor networks. The integration of both traditional banking rails and stablecoin networks will allow recipients to choose their preferred payment method, increasing the platform’s utility across diverse use cases.

Geographic expansion remains a priority, with Southeast Asia, the Middle East, and India identified as high-potential markets. Each region presents distinct opportunities and challenges. Southeast Asia’s fragmented banking landscape and high smartphone penetration create favorable conditions for digital-first financial services. The Middle East offers substantial liquidity and growing interest in fintech innovation, particularly in financial hubs like the United Arab Emirates and Bahrain. India’s massive market size and sophisticated technology sector provide opportunities for scale, though regulatory complexity requires careful navigation.

Endl is also investing in compliance systems and regional partnerships to ensure sustainable growth across these diverse markets. This includes establishing relationships with local banking partners, obtaining necessary licenses or regulatory approvals, and building compliance monitoring systems capable of tracking transactions across multiple jurisdictions and regulatory frameworks.

Competitive Landscape and Market Positioning

Endl enters a competitive but rapidly expanding market for cross-border payment solutions targeting businesses in emerging economies. Established players like Wise, Payoneer, and WorldFirst have built substantial businesses serving this market segment, though most rely primarily on traditional banking rails rather than stablecoin technology.

Cryptocurrency-native companies including Circle and Paxos offer stablecoin services but generally target institutional clients and high-volume use cases rather than the small and medium-sized businesses that represent Endl’s core market. This positioning creates an opportunity for Endl to serve a market segment that is underserved by both traditional payment providers and crypto-native infrastructure companies.

Regional fintech champions also represent both competition and potential partnership opportunities. Nigerian unicorn Moniepoint, which recently secured an additional $90 million to complete its $200 million Series C round, demonstrates the substantial capital available for payments infrastructure companies that can achieve scale and profitability in emerging markets. The company processes over 800 million transactions monthly and serves more than five million businesses across Africa, providing a template for the scale Endl might ultimately achieve.

Endl’s competitive differentiation rests on several factors: its integration of both traditional banking and stablecoin infrastructure from inception rather than bolting on digital assets as an afterthought; its focus on corporate spending through integrated card programs; and its emphasis on regulatory compliance as a feature rather than a constraint. Whether these advantages prove sufficient to capture significant market share will depend on execution, product-market fit, and the company’s ability to navigate complex regulatory environments while maintaining rapid growth.

Outlook for Cross-Border Payments in Emerging Markets

The cross-border payments market continues to experience robust growth, driven by increasing global commerce, the rise of distributed workforces, and the expansion of digital business models that operate across multiple jurisdictions. The World Bank estimates that remittance flows to low and middle-income countries exceeded $650 billion in 2024, while business-to-business cross-border payments represent a substantially larger market.

Traditional payment infrastructure struggles to serve these flows efficiently. Correspondent banking relationships involve multiple intermediaries, each extracting fees and adding processing time. Foreign exchange spreads in emerging markets can reach several percentage points, representing a substantial tax on international commerce. Settlement times of multiple business days create working capital inefficiencies and introduce counterparty risk.

Stablecoin-based payment infrastructure offers a compelling alternative for many use cases, particularly for smaller-value business payments where traditional banking fees are disproportionately high. Near-instantaneous settlement eliminates counterparty risk and improves working capital efficiency. Reduced intermediation lowers costs. 24/7 operation supports global business rhythms rather than constraining them to traditional banking hours.

However, significant challenges remain. Regulatory uncertainty persists in many jurisdictions. Banking partners willing to support stablecoin-related businesses remain limited, creating bottlenecks for companies seeking to bridge between traditional finance and digital assets. User education requirements are substantial, as many businesses lack familiarity with blockchain technology and stablecoin mechanics.

Companies like Endl that can successfully navigate these challenges while delivering tangible value to customers stand to capture significant market share in what may become a transformational shift in how cross-border payments are processed. The $1.5 million in pre-seed funding provides resources to pursue this opportunity, though the company will need to demonstrate traction and product-market fit to secure the substantially larger funding rounds required for geographic expansion and sustained competition with well-capitalized incumbents.

Conclusion

Endl’s $1.5 million pre-seed funding round positions the company to pursue an ambitious vision of modernizing cross-border payment infrastructure for businesses in emerging markets. By combining traditional banking capabilities with stablecoin technology and corporate card programs, the platform addresses real pain points experienced by businesses struggling to participate effectively in global commerce.

The strong backing from Iterative Singapore, 500 Global, and the XRPL Accelerator by Tenity provides not just capital but also strategic support, regional expertise, and access to networks that will prove valuable as the company expands across Southeast Asia, the Middle East, and India. Participation in selective accelerator programs demonstrates institutional confidence in Endl’s business model and founding team.

Success will require exceptional execution across multiple dimensions: product development that delivers genuine value to customers; regulatory navigation across diverse jurisdictions with varying approaches to digital assets; strategic partnerships with banks, blockchain networks, and card networks; and capital efficiency in markets where customer acquisition costs can be substantial.

As global commerce becomes increasingly digital and businesses in emerging markets seek reliable, cost-effective access to international payment infrastructure, Endl is positioning itself not merely as a payments provider but as a foundational partner for companies navigating the digital economy. Whether this vision can be realized at scale remains to be seen, but the company has secured resources and support to make a serious attempt at transforming how businesses in emerging markets connect to the global financial system.

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By: Montel Kamau

Serrari Financial Analyst

17th February, 2026