YZi Labs: Why did we invest 50 million dollars in BPN?

Source: YZi Labs

Translation: Shan Oppa, Golden Finance

Key Points

1. YZi Labs leads a $50 million financing round for Better Payment Network (BPN) to accelerate the development of multi-stablecoin payment infrastructure — this initiative aligns closely with the institution's support for scalable, real-world blockchain applications that connect traditional finance with on-chain systems.
2. BPN integrates stablecoin minting, exchange, and settlement on the BNB Chain, bridging centralized finance and decentralized finance to provide faster, lower-cost, and regulatory-compliant cross-border payment services for the global market.

YZi Labs leads a $50 million financing round for Better Payment Network (BPN). BPN is a programmable payment network designed for the multi-stablecoin era, and this investment is consistent with YZi Labs' vision of supporting next-generation global financial infrastructure — such infrastructure is centered around stablecoins, built natively on high-performance blockchains, and employs a hybrid architecture to balance efficiency, programmability, and compliance.

Traditional fintech platforms rely on capital-intensive pre-funding models, requiring trillions of dollars to be idled in local accounts to maintain payment liquidity. BPN's dual-track system addresses this issue by supporting real-time stablecoin minting, exchange, and destruction across jurisdictions, freeing up locked funds. As a network built natively on the BNB Chain, BPN aims to achieve instant, low-cost, and compliant cross-border settlements: settlement times are reduced from the traditional 1-2 days to 3-4 hours, with an average cost of only 30 basis points, far below the approximately 2% fee rate of traditional foreign exchange channels.

BPN's centralized finance model targets enterprises and licensed payment institutions, providing regulatory-compliant fund transfer services that complete customer identity verification and corporate identity verification through fiat channels. It currently supports real-time exchanges for mainstream non-USD currency channels, including Brazilian Real stablecoin, Nigerian Naira stablecoin, Mexican Peso stablecoin, and Euro stablecoin, with international clients already experiencing faster and cheaper transfer services through BPN.

Meanwhile, its decentralized finance model will create a permissionless on-chain foreign exchange market, allowing users to participate in liquidity mining, stablecoin exchange, and earn returns without customer identity verification. This model is planned to launch by the end of the year, supporting 20 regional stablecoins covering Latin America, Africa, and Asia, achieving truly borderless and programmable capital flows.

The funds raised will primarily be used for two main directions: first, to build an initial on-chain liquidity pool for stablecoin-stablecoin trading channels; second, to cultivate an early market-making ecosystem. Through active rebalancing and arbitrage strategies, this infrastructure will help maintain fair and efficient on-chain foreign exchange rates, ensuring that emerging market enterprise users can obtain stable pricing and reliable trading execution experiences.

Better Payment Network founder Rica Fu stated: This multi-stablecoin liquidity model provides a more inclusive and efficient alternative to dollar-centric payment systems, enabling seamless cross-border settlement services for global enterprises and institutions. The construction of BPN is based on a simple idea — the future of cross-border payments should be truly borderless. Our mission is to connect stablecoin issuers, merchants, and financial institutions to the same programmable network, making stablecoins the universal standard for trust and settlement.

YZi Labs investment partner Dana H. remarked: As an investor, I believe Better Payment Network (BPN) is a true game-changer in the cross-border payment space — it achieves instant settlement, significantly reduces costs, and accelerates processing speed. As a network built natively on the BNB Chain, BPN creates a seamless, scalable, and efficient payment ecosystem, with performance expected to surpass traditional Web2 enterprises and decentralized Web3 solutions. The founding team of BPN not only possesses deep experience in the payment industry but also combines expertise in both Web2 and Web3, along with a robust client base and wise marketing strategies for centralized and decentralized finance. We are excited to see cryptocurrency and blockchain technology creating value in the real world, and BPN is leading this future. Supporting visionary teams that dare to dream and take action is what drives us as investors.

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