Pana

Borderless USD accounts powering the new global dollar economy.

Pana Finance, Inc. (YC S22) is building the borderless USD account — a full-stack financial platform connecting the U.S. and Latin America.

Our mission is simple: make money move like WhatsApp messages — instant, borderless, and human.

Pana turns stablecoins and U.S. sponsor-bank infrastructure into a single interoperable system, enabling users across 27+ countries to get paid, hold, spend, and off-ramp USD instantly — no banks, FX, or remittance fees.

We’ve combined:

Non-custodial digital dollar accounts with direct integrations into local banks and cash networks.
Geo-KYC and risk matrix technology tailored for cross-border populations.
A network effect model where payroll, P2P, and remittances converge on the same ledger.

Since launching Pana Global (our stablecoin-native account), adoption has been explosive — >25,000 accounts in under two months and 30% weekly TPV growth.

Our users are the backbone of the new global economy: freelancers, creators, remote workers, and families across the Americas who need reliable, fast access to dollars.

By combining Circle’s global settlement rails with Pana’s last-mile distribution — direct bank integrations and local compliance — we’re enabling the next phase of digital dollar adoption in emerging markets.

Pana’s vision is to become the Financial OS of the Americas, connecting millions to the U.S. financial system through a trusted, compliant, and open network built on stablecoins.

Use Cases

Cross-Border Payroll for Freelancers & Remote Workers

Pana enables freelancers and remote workers across Latin America to receive payments from U.S. employers directly in digital dollars, instantly and without intermediaries. By settling in digital dollars and off-ramping into local currency through Pana’s integrated banking rails, users avoid delays, FX spreads, and remittance fees. This creates a compliant, low-cost payment corridor that replaces wire transfers and PayPal with real-time settlement and full transparency.

Remittance Replacement Through Borderless Accounts

Traditional remittances remain slow and expensive, with 53% of transfers still handled offline. Pana replaces this with a stablecoin-powered borderless USD account that lets users hold, send, and spend dollars natively. Families can now move value across borders in seconds, converting only when needed through Pana’s direct banking and cash-out integrations.

On/Off-Ramp Infrastructure for Local Banks

Pana acts as the stablecoin bridge for Latin American financial institutions, allowing them to offer their customers direct digital dollar accounts and instant U.S.–LatAm transfers without building crypto infrastructure themselves. This helps banks modernize their offerings and capture new cross-border deposit flows, fully compliant with local regulation.

P2P Transfers Across Borders

Pana users can send digital dollars peer-to-peer instantly across countries — a “WhatsApp for money.” This builds viral network effects (K ≈ 2–3) as families, friends, and workers adopt a faster, cheaper, and more inclusive alternative to legacy financial systems.

Settlement Layer for Multi-Corridor Financial Services

Pana leverages digital dollars and stablecoin infrastructure as a unified settlement layer for 27+ country corridors. This allows instant reconciliation between Pana’s global ledger and local partners, simplifying treasury operations and reducing counterparty risk.

Last updated on Nov 20, 2025

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Borderless USD accounts powering the new global dollar economy.

Use Cases

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