“Timing matters. Routing matters. The combination of timing and routing matters even more. Don’t struggle trying to figure out which ones are the best. Just leverage the technologies and the modeling that are able to automate all of this for you.”
— Adam Swartzbaugh, CEO & Co-Founder, Almond FinTech
About This Episode
York Public Relations sits down with Adam Swartzbaugh from Almond FinTech to uncover the hidden costs embedded in cross-border payments. This conversation reveals how timing and routing optimization can recover millions in lost value that most businesses never realize they’re losing.
Adam shares how Almond FinTech built an intelligence layer that predicts optimal payment windows across multiple currencies, blockchain networks, and stable coins. The discussion explores why Tuesday afternoon might be the worst time to send payments to the Philippines and how Friday evening rates can dramatically outperform mid-week transfers.
Available on:
Youtube
Apple
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Guest: Adam Swartzbaugh
CEO & Co-Founder, Almond FinTech
Adam leads Almond FinTech on a mission to unify the world’s financial infrastructure, making money move with the same efficiency and affordability as data. His company’s programmable, multi-chain, token-agnostic engine leverages adaptive modeling to optimize cross-border payments in real time.
Episode Highlights
- The optimal time to send cross-border payments exists and differs by corridor, currency pair, and hour
- How predictive modeling identifies payment windows with remarkable accuracy
- Why weekend rates often outperform weekday transfers for specific corridors
- The Genius Act’s impact on stable coin adoption and corporate confidence
- Timing patterns that surprise even experienced treasury teams
- The biggest mistakes businesses make with cross-border payment timing
- High-volume payment strategies using multiple bridge currencies simultaneously
- Why 2.5% savings on every transfer compounds dramatically at scale
- How to automate treasury management and reclaim 50-200 monthly hours
Key Topics Covered
Timing Optimization: Discover how the right payment window changes minute by minute and why historical foreign exchange data combined with real-time market dynamics enables precise prediction of optimal transfer times.
Multi-Currency Routing: Learn how leveraging collective liquidity across USDC, USDT, XRP, Solana, and alternative tokens prevents rate degradation at high volumes.
Stablecoin Regulation: Understand how the Genius Act creates regulatory clarity that drives corporate adoption of blockchain-based payment solutions.
Predictive Modeling: Explore the Google Maps analogy for cross-border payments and how adaptive engines forecast rate movements across different corridors.
Treasury Automation: See how programmable payment scheduling eliminates manual rate monitoring while consistently outperforming traditional rails.
Business Impact: Calculate the real cost of inefficiency hiding in foreign exchange spreads beyond fixed fees and service charges.
Why This Episode Matters
Cross-border payment infrastructure reached an inflection point. Blockchain networks matured. Stable coin regulation clarified. Alternative routing options multiplied. The technology exists to recover billions in lost value.
Companies still approach international transfers with outdated assumptions. They move funds during business hours because that’s how it always worked. They stick to single payment rails because switching seems complicated. Treasury teams spend 50-200 hours monthly managing capital flows and optimizing timing manually.
This episode provides a roadmap for understanding what’s possible today. Small businesses sending remittances home, corporations managing global payroll, and money transmitters serving overseas workers all lose percentage points on every transaction. The solution already exists. The only remaining barrier is adoption.
Resources & Links
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