NALA is increasingly positioning itself not simply as a remittance company, but as stablecoin payment infrastructure for emerging markets.

Its Rafiki platform says payout volumes have grown 17x over the past 18 months while maintaining a 96.6% average payout success rate across Africa and Asia. The infrastructure uses automated routing to move transactions across local payment rails and stablecoin networks.

The strategy is straightforward – stablecoins handle the cross-border settlement; Rafiki handles the local distribution.

 

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According to NALA CEO, Benjamin Fernandes:

“A big part of that is how we route. In markets where individual rails are less reliable, Rafiki’s AI agents monitor performance continuously and re-route transactions to the best-performing path automatically, before a payout fails, not after.”

 

That model is already being used by MoneyGram which partnered with NALA to use Rafiki for stablecoin settlement and on/off-ramps across Africa and Asia.

 

“Today, we service 3 of 6 biggest cross-border payments companies,” said CEO, NALA.

 

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BitKE reported in December 2025 that NALA was building stablecoin-to-fiat infrastructure, with Fernandes arguing that on/off-ramp infrastructure could become increasingly valuable as stablecoins move deeper into payments.

 

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Fernandes explains why Rafiki has seen success at such a fast pace:

“That consistency is why partners start with one corridor and expand.

Nearly all of our customers have launched more than 1 market and we haven’t churned a single customer in 19 months.”

 

 

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