endl.io

I'm Ashita Batra, Co-founder of Endl, building stablecoin-native business banking. $20M+ settled on-chain, live in 190+ countries, backed by 500 Global and the XRPL Accelerator by Tenity. AMA on stablecoin rails, compliance, and where crypto is actually fixing cross-border B2B! I'm Ashita, Co-founder and CEO of Endl. We're building stablecoin-native banking infrastructure for businesses. Multi-currency accounts, on-chain settlement, cross-border payouts, and Visa-powered corporate cards, primarily for companies operating in and across emerging markets. Most fintech treats stablecoins as a feature bolted onto fiat rails. We took the opposite approach. Stablecoins sit at the core of our settlement architecture. Fiat is what we plug into at the edges where the recipient, the regulator, or the customer needs it. That single design choice changes how everything else is structured. Why this matters in practice: if you're running a business out of India, UAE, Indonesia, or the Philippines and you deal internationally, the legacy system is structurally broken for you. Wires take three to five days. A meaningful share of transactions fail or need reprocessing. FX is silently embedded into every leg. Stablecoin usage is already enormous in these markets, but most of it gets pushed into informal P2P channels with real fraud and KYC exposure. We're building the compliant, institutional version of what's already happening in the gray market. **A few specifics this sub will probably care about:** * **Multi-chain by default.** We support USDC and USDT across Ethereum, Tron, Solana, Polygon, Base, and others, with XRPL work happening through the Tenity accelerator. * **Custody model.** Where appropriate, we enable self-custodial stablecoin accounts. Your keys, your money. Not a balance abstracted on a platform ledger. * **FX neutrality.** No forced conversions. You hold USD or USDC if you want to hold USD or USDC. Conversion happens only when the business needs it, not as a hid