For years, most fintech innovation focused on collection capabilities, shaping many of today’s global financial brands. But as the digital economy expands and the global workforce becomes increasingly distributed, money flows in the opposite direction—disbursement—are accelerating at unprecedented speed. This long-overlooked segment is becoming a new strategic frontier.

Cross-border disbursement is vital for global financial flows, from major transfers to daily micro-transactions, as businesses pay partners, creators, freelancers, suppliers, and users worldwide. The B2B international disbursement market is projected to exceed USD 320 billion by 2030, with global cross-border flows reaching an estimated USD 320 trillion by 2032, highlighting a historic opportunity.

A FRACTURED WORKFORCE DRIVING NEW INFRASTRUCTURE DEMANDS

The global shift to atomized labor, with millions working independently via international platforms, drives a critical need for fast, compliant, and transparent cross-border payment systems. The gig economy is projected to exceed USD 2.1 trillion by 2034.

Vietnam is a rapidly growing digital talent market, where freelancers, SMEs, and creators require reliable ways to receive international earnings. Currently, infrastructure gaps push financial flows into informal channels. Rapidly growing sectors like affiliate marketing, hybrid digital asset disbursement, and parametric insurance need transparent, near real-time, automated payment rails that legacy systems cannot provide. The core demand is for technology that ensures instant connectivity and compliance.

VIETNAM’S OPPORTUNITY TO BECOME A CROSS-BORDER FINANCIAL CONNECTIVITY HUB

Vietnam ranks among the world’s top recipients of international inflows, supported by a rapidly expanding online workforce. Yet traditional international transfer channels remain slow, complex, and fragmented. Some alternative channels prioritize speed but lack transparency or regulatory safeguards.

Beginning in 2025, Vietnam strengthens digital verification for high-value online transactions and initiates the regulatory sandbox for digital asset frameworks. These milestones promote greater security and clarity for international financial flows. As regulations advance, the market increasingly requires technology platforms that maintain compliance while enabling instant, programmable connectivity.

FINFAN — VIETNAM’S CROSS-BORDER MONEY CONNECTIVITY OPERATING LAYER

Bank-Grade Compliance Infrastructure (Tech Layer Only)

To navigate Vietnam's complex compliance and financial rail requirements, FinFan operates as a cross-border financial connectivity platform, not a fund-holding entity.

Leveraging 20+ years as an IMTO, FinFan offers bank-grade automation, including routing, liquidity orchestration (through licensed partners), and AML/KYC screening. This infrastructure allows global partners to operate efficiently in Vietnam.

Crucially, FinFan enables international platforms to enter or expand in Vietnam without requiring a dedicated internal, localized compliance team.

Disbursement-as-a-Service: Global Payout Connectivity via One API

FinFan provides a Disbursement-as-a-Service model that allows global partners to connect to Vietnam using a single API. Partners can initiate disbursement via fiat or digital asset liquidity (held by partners, not FinFan), while FinFan delivers the connectivity layer that allows end recipients to receive funds through bank accounts, e-wallets, cards, or nationwide cash-out points.

With Vietnam’s first e-wallet aggregation capability, FinFan maximizes recipient reach across the market.

Dual Connectivity Across Fiat and Blockchain Rails

FinFan strengthens its competitive edge by preparing for Vietnam’s regulatory sandbox through integrated financial rails spanning both traditional banking infrastructure and blockchain-compatible connectivity.

Using the "safe descriptions" from your Compliance Sheet:

For Traditional Providers (Visa, MoneyGram, Remitly): FinFan connects global partners to Vietnam's financial system via authorized channels.

For Digital Asset/Blockchain Providers (Circle, Ripple, TripleA, Neutron): Partners supply licensed digital asset liquidity or blockchain infrastructure; FinFan acts as the compliant gateway for blockchain-powered disbursements into Vietnam.

FinFan's Global Receive also allows Vietnamese entities to get international funds from 180+ countries, with VND credited through authorized channels, usually within T+0 or T+1..

THE FUTURE OF CROSS-BORDER MONEY CONNECTIVITY IS BEING PROGRAMMED NOW

A new era of transparent, programmable, and near-instant financial flows is emerging. FinFan is building the connectivity for global partners to operate in Vietnam as if integrated locally. This shift to open, API-driven finance means "bankers of tomorrow" will be engineers and platforms building programmable money rails. The future of cross-border disbursement is being built today in Vietnam, a rising financial connectivity hub.

Arthur.