Building a World Class Payment Network

The Stablecoin payment space is vibrant and evolving at an unprecedented pace. Stripeʼs acquisition of Bridge, MoonPayʼs acquisition of Iron, and the recent launch of the Circle Payment Network all point to one clear trend: weʼre moving toward a future—within the next 2 to 3 years—where stablecoins will play a dominant role in global cross-border money movement.

This shift is being driven by a simple principle: reducing intermediaries between sender and recipient. The most successful payment processors are not just focused on building on/off ramps—they are directly involved in both fiat and stablecoin flows, building fully integrated infrastructure that minimizes friction, cost, and time.

Having led payment systems at scale at Uber and BILL—handling billions in annual money movement—Iʼve learned that truly world-class networks donʼt just excel at one or two parts of the transaction lifecycle. They perform exceptionally well across all dimensions. At Mesta, weʼre bringing that same discipline and ambition to build a global, enterprise-grade FIAT + Stablecoin Payment Network. Hereʼs what that entails:

Fast, Affordable, and Reliable Payment Execution

Achieving this starts with strategic partnerships—with local banks, liquidity providers, and direct integrations into domestic payment systems that help bypass SWIFT. Redundant partners in high-volume corridors help mitigate risk and ensure resilience. But optimization doesnʼt stop there—itʼs a continuous process. Leading companies are always integrating new partners and refining routing to reduce costs and improve speed. The result? Businesses benefit from higher customer satisfaction and stronger retention rates.

KYB/KYC for Senders and Beneficiaries

A robust compliance layer is non-negotiable. Every entity—sender or beneficiary—needs to be vetted against global standards before initiating a transfer. Mature infrastructure providers expose this functionality via APIs, including support for Enhanced Due Diligence (EDD) where required. A strong, transparent compliance program reassures businesses and end users that every transaction adheres to the highest local and international standards.

Real-time Wallet Screening

Source wallets must be screened in real-time to detect and pause potentially risky transactions. Internal risk rules then guide whether funds are released or rejected. This functionality is essential for maintaining trust and minimizing exposure.

Robust Compliance and Payment Operations

No payment system is immune to failures—whether due to suspected fraud, incorrect details, or technical errors. What differentiates world-class providers is how they respond. Automation of error handling (such as requesting updated documents or updated payment info) and clear communication of failure reasons dramatically reduce downtime. Speedy issue resolution creates trust—and often, delight—on the customer side.

Comprehensive and Developer-Friendly APIs

The goal is to abstract the complexity of global payments into a clean, efficient API stack. Integration should be fast, and maintenance minimal—even when supporting 50+ currencies and jurisdictions. Smart defaults, just-in-time compliance data collection, and lean data exchange are key for seamless user experience.