Key takeaways
- Leveraging Kinexys by J.P. Morgan, EBANX reduced the time for internal fund transfers between its own accounts from more than 24 hours to minutes, enabling same-day confirmation regardless of time zone.
- EBANX now executes daily fund flows between its own accounts with enhanced speed and transparency, improving treasury coordination and liquidity management across jurisdictions.
- Kinexys by J.P. Morgan, the firm’s industry-leading blockchain business unit, is a pioneer in blockchain infrastructure, enabling global institutional clients to move capital quickly, seamlessly and securely.
EBANX, a leading payments platform that supports global brands in their expansion, recently collaborated with J.P. Morgan Payments in Brazil to modernize its internal settlement infrastructure using Kinexys by J.P. Morgan, the firm’s industry-leading blockchain business unit. The EBANX platform connects customers in Latin America, Africa, and Asia to global digital experiences such as ride-hailing, music and video streaming, marketplaces, and social commerce, processing millions of daily transactions for digital companies across more than 20 countries. For a business operating at this scale, speed, predictability, and visibility of fund movements are critical to maintaining efficient treasury operations and, ultimately, delivering seamless experiences for merchants.
Before tapping Kinexys by J.P. Morgan, internal fund transfers at EBANX were subject to processing windows, intermediary workflows and local cut-off times, which could extend fund transfer between EBANX’s accounts beyond 24 hours. These constraints required conservative liquidity buffers and provided limited real-time visibility outside local business hours.
To enhance efficiencies across time zones and jurisdictions, EBANX transitioned to an always-on internal settlement model that enables near real-time internal fund transfers across its global accounts 24/71 through Kinexys’ Blockchain Deposit Account network. Transfers that previously took more than a day are now completed within minutes, with near immediate confirmation of fund availability—regardless of geography or time zone.
“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,” said Francielli Roldo, Treasury Director, EBANX.
The shift to continuous internal settlement has improved operational control and strengthened liquidity management, enabling EBANX to coordinate daily fund flows more efficiently and make faster treasury decisions.
“By enabling continuous, transparent settlement within a secure framework, Kinexys helps institutions modernize treasury operations without compromising governance or resilience,” said Graziela Góes, Financial Institutions Payments Sales, J.P. Morgan.
As a result of adopting Kinexys by J.P. Morgan, EBANX is better positioned to scale its operations and support global merchants across sectors including e-commerce, streaming and mobility. With a more agile and resilient treasury model in place, the company is building for the next phase of growth—leveraging real-time capabilities to continue its expansion into new markets and adapting to the ever-evolving demands of global digital commerce.
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References
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.