Cadana

Embedded finance for global workforce platforms.

Cadana powers the cross-border financial infrastructure behind today’s leading global workforce solutions. Built for scale, our platform enables global staffing and international HR platforms - like Andela, Bloom, and Listo Global - to move over $1B annually to workers in 100+ countries while turning cross-border complexity into a monetizable advantage.

Key Features

Real-Time Global Payouts & Deep EM Coverage: Local rails across emerging markets like Nigeria, Colombia, and the Philippines deliver real-time payments - 90% of transactions settle in under 3 minutes vs. multi-day SWIFT delays and high FX fees with legacy providers.
Embedded Payroll Tax (One API for Global Tax Compliance): A unified API for tax calculations, filings, and remittances. Cadana acts as the master vendor processor across tax authorities worldwide, enabling platforms to compute gross-to-net, submit compliant filings, and send local-currency payments to tax authorities with ease.
White-Label Financial Infrastructure & Developer-First APIs: Launch embedded financial features such as global payroll, contractor-pay, FX, virtual cards, and USD savings accounts under your own brand. Our white-label stack accelerates go-to-market while unlocking recurring revenue from payments, FX, and wallet activity.

Use Cases

Automate Cross-Border Payouts to Employees & Contractors

Move money globally with predictable FX, no SWIFT delays, and one API for all global payout methods. Ideal for cross-border HR platforms, payroll companies, and payment aggregators Outcomes: - Replace fragmented processors with one unified network that connects to 36+ global payout providers — including Stripe, Airwallex, DLocal, Payoneer, and Nium — plus local rails like M-PESA, PIX, and GCash. - Automated routing across your cheapest partner corridor. - Unlock coverage in Africa, LatAm, and South Asia.

Launch a Global Contractor Pay with Multi-Currency Payee Wallets

Ideal for freelancer marketplaces, staffing firms, HR SaaS, fintechs, or any workforce platform that wants to offer embedded accounts, multi-currency balances, local rails, virtual accounts, and real-time payouts without building banking infrastructure. Outcomes: - Instant local accounts in 100+ markets. - Real-time payments (<3 mins in emerging markets). - Convert USD ↔️ local currency. - Fund card, crypto, or bank payouts. - Generate $10+ per user per month in wallet transactions monetization.

White-Label Global Payroll Tech Stack

Add global payroll features to your HRIS platform for your customers to compliantly pay contractors, remote employees, and EOR workers using one engine. Ideal for talent marketplaces, staffing firms, and HR SaaS providers. Outcomes: - Unified contractor and employee payroll. - Local compliance handled. - Automatic filings and remittance. - Employer of Record support in 70+ markets.

Programmable Tax Remittance

Make any tax authority globally addressable, payable, and reconcilable via API. Ideal for cross-border payment platforms, EOR aggregators, and payroll groups. Outcomes: - Cadana standardizes tax file formats. - Programmatically execute payments to tax authorities. - Reconcile filings and payments in one ledger. - Unlock global payroll deals for your customers. - Become instantly compliant in 100+ jurisdictions.

Stablecoin-Native Global Treasury

Set up local currency accounts for finance teams to off-ramp local currency to local subsidiaries for paying workers and authorities globally. Outcomes: - Fund in USDC or USD stablecoins. - Off-ramp into 100+ currencies instantly. - Reduce corporate FX and SWIFT fees. - Audit-ready reconciliation and compliance abstractions.

Last updated on Nov 20, 2025

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Embedded finance for global workforce platforms.

Use Cases

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