London, United Kingdom Apr 2, 2026 (Issuewire.com) - Peymo, the AI-powered hybrid banking platform, today announced the launch of its next major feature: Virtual Accounts powered by stablecoin infrastructure, enabling seamless cross-border payments without relying on traditional SWIFT networks.

While global payments remain slow, expensive, and fragmented, Peymo introduces a new model where crypto becomes the settlement layer and fiat remains the user experience.

One Account. Global Reach. Instant Settlement.

Peymos Virtual Accounts are fully embedded within the app, allowing users to operate globally without needing multiple bank accounts or intermediaries.

This unlocks a fundamentally new way to move money internationally:

• Send payments globally using crypto delivered locally in fiat
  Users can fund a transaction with crypto, and Peymo ensures the recipient receives funds in their local currency, through local banking rails, as if it were a domestic transfer
• Receive local bank transfers in 120+ countries credited as crypto instantly
  Users are provided with local receiving account details (e.g. AUD, EUR, GBP), allowing senders to transfer funds domestically which are then automatically converted and credited to the users crypto wallet
• Payments executed in your own name
  Unlike traditional intermediaries, transactions are structured to appear as if sent from the user themselves, creating a native banking experience across borders

A Real Alternative to SWIFT

Traditional cross-border payments rely on outdated correspondent banking networks often resulting in delays, high fees, and lack of transparency.

Peymo replaces this with a stablecoin-powered settlement layer, enabling:

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• Near-instant global transfers
• Reduced costs compared to traditional wire systems
• Full transparency and traceability
• Elimination of multiple intermediaries

This positions Peymo as a next-generation alternative to SWIFT, built for a digital-first financial ecosystem.

How It Works

A simple example:

• A user in Europe needs to pay an invoice in Argentina
• The user sends crypto within the Peymo app
• Peymo processes the transaction and executes a local payout in Argentina (ARS)
• The recipient receives funds directly into their bank account fast, local, and frictionless

In reverse:

• A user shares their local receiving details (e.g. Australian bank account)
• The sender transfers AUD domestically
• The funds are instantly credited as crypto in the users Peymo wallet

Built for a Global Economy

Peymos Virtual Accounts are designed for:

• Individuals making international payments
• Businesses managing global suppliers and payroll
• Platforms enabling embedded finance and payouts
• Emerging markets where traditional banking access is limited

This Is the Future of Global Payments

Cross-border payments havent evolved at the pace of digital finance. With Virtual Accounts, were removing the friction entirely enabling users to move value globally, instantly, and in their own name, said Tomas Bartos, CEO of Peymo.