Key takeaways
- By adopting Kinexys, EBANX’s time for internal fund transfers between its own accounts was reduced from more than 24 hours to minutes, enabling same-day confirmation regardless of time zone
- Kinexys enabled EBANX to increase its internal fund movement speed and enhance visibility to support more predictable treasury operations and faster decision-making
- EBANX now executes daily fund flows between its own accounts with enhanced speed and transparency, improving treasury coordination and liquidity across jurisdictions
EBANX connects customers in 20+ countries, processing millions of daily payments for global brands. Powered by Kinexys, J.P. Morgan’s industry-leading blockchain business unit and part of J.P. Morgan Payments, EBANX reduced internal fund transfer times from 24+ hours to minutes, enhancing treasury management and, ultimately, global merchants’ experience in emerging markets.
To ensure funds collected in local markets are moved faster within EBANX structure, the company worked with J.P. Morgan Payments to optimize its internal settlement infrastructure, strengthen predictability and deliver institutional grade performance across regions.
About
As a leading payments platform, EBANX connects customers in more than 20 countries to global digital experiences such as ride-hailing, music and video streaming, marketplaces and social commerce, while supporting brands expanding across emerging markets. For a platform managing daily cross-border remittances, funds transfer speed and timing certainty are central to operational efficiency.
To enhance performance across jurisdictions and time zones, EBANX strengthened its internal fund movement architecture in collaboration with J.P. Morgan Payments.
“As a global payments platform operating across emerging markets, predictability and transparency in fund transfers are essential to how we manage liquidity and support merchant growth. Strengthening our internal fund movement infrastructure was a strategic priority to ensure we could operate at digital scale with institutional certainty.”
Francielli Roldo
Treasury Director, EBANX
The challenge
Before the adoption of Kinexys by J.P. Morgan, EBANX’s Treasury team relied on established correspondent banking infrastructure to convert local-currency collections in emerging markets into USD and transfer funds to Singapore.
Internal settlement timelines were influenced by corridor-specific processing windows, intermediary-bank workflows, and local cut-off times, which could extend end-to-end movement between EBANX’s own accounts beyond 24 hours.
To support a consistent internal fund movement operating model across markets, EBANX’s Treasury team maintained prudent prefunding levels in its Singapore account as part of day-to-day liquidity management.
Given limited intraday visibility outside local working hours, the team sized these liquidity buffers conservatively to ensure smooth, on-time execution across regions.
The objective was clear: increase funds transfer velocity, unlock liquidity and introduce greater predictability into cross-border flows.
“Kinexys empowers EBANX to streamline and accelerate payouts, optimize liquidity, and operate with confidence - no matter where or when.”
Luiz Felipe Pinheiro
Head of Financial Products at EBANX
The solution
EBANX adopted Kinexys, the industry-leading blockchain-based payment infrastructure from J.P. Morgan, that enables 24/7*, near-real-time cross-border transfers. The solution replaced a traditional fund transfer process with an automated infrastructure. Crucially, it delivers near-immediate confirmation of fund arrivals between EBANX’s own accounts, providing usable balances within minutes - even across continents and time zones. This enabled EBANX to reduce internal fund movement timelines from more than 24 hours to minutes while strengthening visibility across payment corridors.
Kinexys by J.P. Morgan enables international treasury payments to be executed within minutes and settled continuously - 24 hours a day, seven days a week* - within a secure, compliant and institutionally governed environment.
By transitioning to an always-on internal settlement model, EBANX reduced reliance on traditional cut-off windows and correspondent chains. The result is greater operational control, enhanced liquidity management and improved alignment across jurisdictions.
Quantified benefits with Kinexys:
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From hours to minutes: Internal fund transfers now happen in minutes, not 24+ hours
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From reactive to responsive: 24/7 capability vs. waiting for banking hours
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From opaque to transparent: Real-time visibility vs. multi-day reconciliation
The results
The adoption delivered near-real-time cross-border internal transfer capabilities, reducing fund movement between the company’s accounts from approximately 24 hours to minutes and enabling same-day confirmation across regions.
Operationally, EBANX now executes daily fund flows with increased transparency and improved treasury coordination. With this foundation, EBANX is now positioned to scale into new markets with even more confidence and resilience - adapting quickly as global commerce evolves.
With Kinexys by J.P. Morgan, EBANX is ready to scale, adapt and respond to new opportunities in global commerce. This foundation supports a range of global merchant verticals, including online marketplaces, streaming platforms, diversified e-commerce retailers and mobility services.
“Companies operating at digital scale require infrastructure that matches the pace and complexity of global commerce. By enabling continuous, transparent settlement within a secure framework, Kinexys helps institutions modernize treasury operations without compromising governance or resilience.”
Graziela Góes
Financial Institutions Payments Sales, J.P. Morgan
Community impact
EBANX was founded to increase access to global products, services and digital opportunities in emerging markets. Through expanded settlement capabilities and integration with local payment systems such as Pix in Brazil, SPEI in Mexico, Nequi in Colombia, mobile money in Kenya and UPI in India, the collaboration strengthens the financial infrastructure connecting local consumers and global platforms.
Consumers and businesses benefit from familiar local payment options, while merchants gain enhanced reliability through accelerated settlement and improved visibility.
Together, EBANX and J.P. Morgan Payments support a more connected digital economy across emerging markets.
Looking ahead
Building on continuous fund transfer capabilities and the need to simplify cross-border operations, the next phase will focus on scale, intelligence and treasury resilience.
- Extending fund-transfer-in-minutes capabilities to additional corridors and currencies
- Enhancing real-time analytics for reconciliation, liquidity forecasting and exception management
- Optimizing treasury operations at digital scale, including recurring B2B flows
- Strengthening multi-currency account infrastructure and FX services across existing hubs
- Expanding integration with local payment networks to further streamline end-to-end processing
See how you can unlock real-time settlement and global growth with J.P. Morgan Payments.
* Transfers on the network are completed on a 24/7/365 and same-day basis. Moving funds to and from the network from traditional Demand Deposit Accounts on legacy systems to Blockchain Deposit Accounts has a three-hour downtime over the weekend (3-6 p.m. EST every Saturday.) Enhancement is under development.
Disclaimer
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