APACX enables fast and cost-efficient cross-border settlement for merchants in the Philippines using PHT, a PHP-pegged stablecoin backed by digital dollars. Traditional remittance and settlement flows typically take 1-3 business days and incur fees of 1-3%. By leveraging blockchain rails and APACX’s WaaS APIs, partners can settle transactions within seconds at near-zero cost. This use case is particularly valuable for high-frequency industries like gaming, e-commerce, and digital services, where real-time settlement and liquidity rotation drive operational efficiency. Users also benefit from better FX conversion rates and transparency for both merchants and platforms.