Cross-border payments in Latin America have been stuck in a vicious cycle. Want to transfer money? You have to pay exorbitant fees. When the money reaches the recipient? It takes at least three to five days, and sometimes one or two weeks. In the process, exchange rate fluctuations also take a heavy toll. Every step of fund flow is "eaten away," and the true costs for businesses and individuals have long exceeded expectations.

But the root of the problem doesn't lie in the payment channels themselves. There are plenty of payment tools on the market, but the real bottleneck is the underlying infrastructure—the clearing and settlement systems are always fragmented and pieced together. Each uses its own rules, information flow is inefficient, and productivity naturally suffers. To break through this impasse, the system must be fundamentally integrated.