Drew Breyer.

Independent concept. Not affiliated with any bank or issuer. An executive demonstration of a bank-app wallet; all funds, chains, and APIs are simulated.

Solution engineer since 2013.
Financial services & capital markets.

Toward a stablecoin-native neobank.

The starting point

Assume a bank with ~8.6M active members, of whom ~1M send money home each year through services such as Western Union and MoneyGram. These are scenario assumptions.

  • Expensive

    ~5% all-in, fee plus FX spread. About $15 lost on a $300 transfer.

  • Slow

    T+2 to T+5 settlement, then a cash-pickup window in business hours.

  • Friction

    Drive to an agent. Paper forms. Photo ID at the counter. Every month.

Estimated opportunity

~$3.5B a year

In member remittance volume routed through Western Union and MoneyGram. At ~5% all-in (World Bank, Q1 2025), that is ~$175M a year in fees leaving the bank’s ecosystem.

How to read this demo

  • Chief Operating Officer

    Levels 2 & 3

  • VP, Product · Money Movement

    Level 1

  • VP, Payments Engineering

    Level 2

  • Head of Remittance & Growth

    Level 3