YZi Labs Leads $50 Million Investment in Better Payment Network for Multi-Stablecoin Infrastructure
Executive Summary
YZi Labs has committed $50 million to the Better Payment Network (BPN), a venture focused on constructing a multi-stablecoin programmable payment infrastructure on BNB Chain, designed to streamline international financial transfers. This investment underscores a strategic move towards integrating traditional finance with on-chain systems, promising quicker and more cost-effective cross-border transactions.
The Event in Detail
The $50 million financing round, led by YZi Labs, is directed at advancing Better Payment Network (BPN), a platform designed to unify CeFi (Centralized Finance) and DeFi (Decentralized Finance) through a comprehensive layer for minting, swapping, and settling fiat-backed stablecoins. Operating natively on BNB Chain, BPN aims to revolutionize cross-border payments by reducing transaction times from the conventional 1-2 days to an estimated 3-4 hours. Concurrently, it seeks to lower transaction costs substantially, from approximately 2% to 30 basis points.
BPN's CeFi model currently supports enterprises and licensed payment institutions, enabling regulated, KYC/KYB-compliant fund transfers through fiat gateways. The network has demonstrated real-time conversions across key non-USD corridors, including the BBRL (Brazilian Real Stablecoin), cNGN (Nigerian Naira Stablecoin), MEXAS (Mexican Peso Stablecoin), and EURI (Euro Stablecoin). A DeFi model is slated for launch by year-end, which will expand support to approximately 20 regional stablecoins across Latin America, Africa, and Asia, facilitating broader programmable capital flows.
Financial Mechanics
BPN's financial architecture is predicated on a CeDeFi dual-rail system that addresses the capital-intensive nature of traditional fintech pre-funding models. These conventional models often require trillions of dollars to remain idle in local accounts to maintain payment liquidity. BPN aims to circumvent this by enabling real-time stablecoin minting, swapping, and burning across jurisdictions, thereby freeing up locked capital. The newly secured funds will be allocated primarily to establish initial on-chain liquidity pools for stablecoin-to-stablecoin corridors and to cultivate an early market-making ecosystem. This is intended to ensure fair and efficient on-chain foreign exchange rates through active rebalancing and arbitrage strategies, providing consistent pricing and reliable execution for enterprise users.
Business Strategy & Market Positioning
YZi Labs' investment aligns with its strategic focus on supporting scalable, real-world blockchain applications that bridge traditional financial systems with on-chain capabilities. BPN's strategy involves positioning stablecoins at the core of global financial infrastructure, leveraging high-performance chains like BNB Chain, and adopting hybrid (CeDeFi) architectures for optimal efficiency, programmability, and regulatory alignment. The network's ambition is to create a seamless, scalable, and efficient payment ecosystem that can outperform both traditional Web2 players and fragmented Web3 solutions. BPN's initial focus on non-USD stablecoins and emerging markets positions it to address specific liquidity and transfer challenges prevalent in these regions, expanding the utility and reach of stablecoin technology.
Market Implications
The successful deployment and adoption of BPN's multi-stablecoin infrastructure could have significant implications for the broader Web3 ecosystem and corporate adoption trends. By drastically reducing the time and cost of cross-border payments, BPN is positioned to disrupt existing remittance and international transaction services. This development is expected to expand stablecoin utility beyond speculative trading, particularly by fostering greater adoption of non-USD stablecoins and validating the effectiveness of hybrid CeDeFi models. Increased efficiency and reduced friction in global money movement may also positively influence investor sentiment towards blockchain-based financial solutions, potentially driving further institutional interest and capital into the sector, particularly in regions where traditional financial infrastructure is less developed. The emphasis on regulatory alignment and KYC/KYB compliance in its CeFi model further enhances its potential for mainstream integration.
