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Cross-border payments have been broken for decades — slow settlement, high fees, and opaque FX spreads quietly draining money that should reach contractors, suppliers, and workers around the world. Teymour Farman-Farmaian, Co-founder and CEO of Higlobe, breaks down how the company built a stablecoin sandwich — bank in, stablecoin in the middle, bank out — that moves funds in under 60 seconds at near-zero cost, without requiring any API integration or crypto knowledge from the business using it. From the 2021 insight that made this viable (marginal cost collapses to near zero when you remove the netting model) to how Higlobe monetizes without charging for transfers, Teymour explains why pricing tends toward zero when the underlying cost structure changes, and what that means for the next decade of global payments. SOC2 Type 2 compliant, MSB-registered, and backed by two bank partners for redundancy — this is what enterprise-grade stablecoin infrastructure looks like in 2026. You'll learn:
- Why traditional money transfer rails (bank wires, SWIFT, netting models) cost so much and why the 6% industry average hasn't changed in 20 years
- How Higlobe's stablecoin sandwich works end-to-end: where funds enter, what moves them, and how "instant" is defined in practice
- Why pricing tends to zero when marginal cost collapses — and where Higlobe's revenue actually comes from
- How Higlobe competes with Wise, Payoneer, and crypto-native payment companies without charging per transfer
- What SOC2 Type 2, FinCEN MSB registration, and dual bank partners mean for enterprise buyers evaluating risk
- Where stablecoin yield regulation (Genius Act debate) could reshape the competitive landscape for Higlobe, Coinbase, and Circle
- Why Higlobe is protocol-agnostic: the decision framework for switching between stablecoins, Bitcoin-based rails, and CBDCs
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