API-driven platform connecting 50+ digital wallets and regional payment systems with real-time FX conversion, automated hedging, and multi-currency accounts for SMEs, e-commerce platforms, and remittance senders.
WalletBridge tackles the $1.2T cross-border payment challenge through an interoperability layer bridging traditional finance and digital wallets. By combining real-time currency conversion with blockchain settlement, the platform enables SMEs in emerging markets to receive USD/EUR payments directly into local payment methods while automating currency risk management.
Core Functionality
Three-layer architecture enabling:
- API integrations with 50+ payment providers (PayPal to M-Pesa)
- Smart routing using real-time FX rates + liquidity pools
- Automated hedging triggered by volatility thresholds
- Multi-currency settlement accounts with SWIFT/SEPA compatibility
Target User and Segment
- SE Asia/Africa/LATAM SMEs: 23M businesses needing USD invoicing
- Cross-border e-commerce: Platforms with >30% international sales
- Gig economy: 78M freelancers sending remittances
- Crypto exchanges: OTC desks requiring fiat off-ramps
Recommended Tech Stack
- Frontend: React dashboard with Web3.js integration
- Backend: Node.js microservices on NestJS
- Settlement: Hedera Hashgraph DLT
- Data: Python ML models for FX prediction
- Security: AWS CloudHSM + MPC wallets
Estimated MVP Costs
Phased development:
- Payment rails integration: €35k (350h)
- Hedging engine: €20k (200h)
- Compliance modules: €15k (150h)
Total budget: €108k (900h + 20% buffer)
SWOT Analysis
- Strengths: Live FX hedging in underbanked corridors
- Weaknesses: API dependency on regional banks
- Opportunities: 8.4% CAGR in cross-border SMEs
- Threats: CBDC adoption timelines
First 1000 Customers Strategy
Acquisition via:
- Co-branded tools with regional e-commerce platforms
- LinkedIn ads targeting CFOs (€25/lead)
- Remittance fee discounts
€75k marketing spend at 3.2% conversion rate
Monetization
- 0.4% transaction fees + $99/month premium tier
- Breakeven at 2,500 subscribers
- Core team: 8 FTEs (5 devs, 2 compliance, 1 trader)
Market Positioning
- TAM: $850B in target corridors
- Competitors: Wise (17% share), Revolut (9%)
- Edge: Hybrid crypto/fiat liquidity pools
- Regulatory: EMI licenses in UAE/Paraguay
