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Abstract
The global demand for efficient cross-border money transfers has intensified as international trade and remittances increase. Traditional banking systems often struggle with slow processing times, high transaction fees, and intermediary bottlenecks. In response, stablecoins--cryptocurrencies pegged to stable assets like fiat currencies--are emerging as a transformative solution for cross-border transactions. This paper explores how stablecoins can streamline international transfers by providing near-instantaneous settlements with minimal fees, regardless of geographic boundaries. Furthermore, it delves into the role of crypto APIs in enhancing the accessibility and automation of such transactions. By leveraging crypto APIs, financial institutions and fintech companies can integrate blockchain networks, enabling faster, secure, and transparent payment systems. This study highlights the advantages, challenges, and future potential of stablecoins and crypto APIs in cross-border money transfers, aiming to present a framework for seamless global transactions powered by decentralized technologies.
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