Top Stablecoin APIs for Colombian Fintechs (2025): Integration & Benefits

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Jun 29, 2025

Colombia’s fintech sector is experiencing a significant transformation, fueled by the rapid adoption of stablecoins and the integration of APIs that connect platforms to new financial possibilities. In 2025, 82% of new fintech products launched in Colombia incorporated third-party API integrations as a core component of their offerings (muralpay.com). This underscores how central stablecoin APIs have become for enabling digital payments, cross-border transactions, and innovative financial products.

As regulatory frameworks progress and the market moves away from cash and slow bank transfers, Colombian fintechs are prioritizing compliant and efficient API integrations.

For a practical guide to integrating stablecoin payments, see our resource on how Colombian fintechs can integrate stablecoin payments.

Stablecoin APIs deliver faster, lower-cost cross-border payments for Colombian fintechs.
Robust KYC/KYB processes are vital to meet SFC requirements and open finance rules.
Selecting the right partner influences settlement speed, FX savings, and scalability.
Case studies show settlement times shrinking from days to minutes after integration.

What Are Stablecoin APIs and Why Do They Matter for Colombian Fintechs?

Think of stablecoin APIs as the infrastructure that connects fintech platforms to digital assets pegged to fiat currencies (like USDC or USDT). These APIs enable businesses to automate payments, support on/off-ramp conversions, and access real-time settlement for both local and cross-border transactions. In Colombia, where open finance frameworks and regulatory sandboxes have encouraged innovation, APIs are at the center of a new wave of digital financial products and services.

Unlike traditional payment rails, stablecoin APIs let Colombian fintechs offer faster, more cost-effective, and transparent services—while maintaining compliance with KYC, KYB, and AML requirements, particularly as the Superintendencia Financiera de Colombia has mandated strong anti-money laundering controls and reporting for all digital asset platforms.

For additional definitions, visit our glossary.

The Colombian Regulatory Environment: Compliance, Risks, and Opportunities

Navigating the regulatory environment is critical for any fintech integrating stablecoins. Colombia’s Superintendencia Financiera (SFC) has introduced a regulatory sandbox, open finance initiatives, and a roadmap for digital asset oversight. As Catalina Gutiérrez, Director of the Fintech Colombia Association, notes, “Regulatory clarity and compliance are the top challenges for batch payment adoption among Colombian fintechs” (muralpay.com).

Regulatory clarity and compliance are the top challenges for batch payment adoption among Colombian fintechs.

The launch of Bre-B, the national interoperable instant payments system, reflects Colombia’s commitment to building a safer, more inclusive digital payment environment.

Remaining vigilant with KYC/KYB protocols and FX regulations is essential, especially as new systems like Bre-B are on the horizon.

For more information on FX and compliance, see understanding Colombia’s new FX regulations.

Top Stablecoin APIs for Colombian Fintechs in 2025

Selecting the right stablecoin API is a strategic decision for Colombian fintechs aiming to scale, remain compliant, and deliver innovative payment solutions.

1. Mural Pay: The Go-To API for Instant, Compliant Payouts

Mural Pay’s API enables Colombian fintechs to deliver instant cross-border payments, automate batch payouts, and support both USDC and USDT. Colombian platforms using Mural Pay have reported settlement times dropping from days to minutes—a dramatic boost in operational efficiency (muralpay.com).

Best for: Fintechs needing compliance, rapid settlements, and multi-currency support at scale.

2. TransFi: LATAM-Focused Cross-Border Power

While specific 2024–2025 data for TransFi’s impact in Colombia is limited, platforms across Latin America have leveraged TransFi to achieve faster payouts and cost savings by integrating stablecoin rails. TransFi’s compliance features and support for multiple currencies make it a strong option for fintechs serving a regional audience.

Best for: Cross-border remittances and fintechs seeking broad LATAM payout coverage.

3. Other Emerging APIs and Platforms

The Colombian fintech ecosystem is seeing new entrants and evolving APIs, often specializing in niche services such as local stablecoin issuance, FX conversion, and compliance automation. Some platforms are beginning to explore issuing local stablecoins pegged to the Colombian Peso, which could provide additional compliance and FX advantages for domestic payments. When evaluating providers, fintechs should look for proven security, regulatory alignment, and reliable on/off-ramp solutions.

How to Integrate a Stablecoin API: Step-by-Step for Colombian Fintechs

Integrating a stablecoin API requires a blend of technical, operational, and compliance-focused actions. Here’s how Colombian fintechs are approaching this:

Select a Regulated API Partner: Prioritize providers with a compliance track record and deep integration documentation.
Automate KYC/KYB Checks: Use built-in tools to confirm every transaction meets Colombian regulatory standards.
Connect to Local Payment Rails: Integrate with PSE, Nequi, or Daviplata for COP settlement.
Leverage Batch Payment Features: Automate payouts and reconciliation to maximize efficiency (see our guide to batch stablecoin payouts).
Test and Monitor: Conduct end-to-end testing and use real-time monitoring for compliance and performance optimization.

Colombian fintechs can also use the regulatory sandbox to pilot and refine API implementations in a supervised environment.

Attention to best practices and staying updated on regulations helps make the integration process far smoother for fintechs in growth mode.

Integrating Stablecoins with Local Payment Rails

Beyond core API connectivity, successful roll-outs hinge on how well stablecoin rails mesh with local channels such as PSE, Nequi, and Daviplata. By mapping blockchain settlements directly to these domestic systems, fintechs unlock instant COP disbursement and reduce user friction at checkout. Teams often start by routing low-risk transactions through the API sandbox, then scale volumes once reconciliation and FX reporting workflows are dialed in.

Key Benefits of Stablecoin API Integration for Colombian Fintechs

The shift from legacy payment systems to stablecoin APIs unlocks a range of tangible benefits. In 2024, Colombia’s digital payments market was projected to reach nearly $35 billion—growth fueled by fintechs moving away from cash and slow bank transfers (muralpay.com).

Among the most impactful benefits:

Instant Settlement: Payments that used to take days now clear in minutes.
Cost Savings: Lower transaction and FX fees compared to traditional rails.
Automated Compliance: Integrated KYC/KYB and audit trails reduce manual workload.
Global Reach: APIs enable access to over 170 markets and facilitate interoperability with both local and international rails, expanding growth opportunities.

For example, Qash’s adoption of stablecoin payment rails allowed Colombian exporters to improve cash flow and reduce settlement times, demonstrating the real-world value of these integrations.

For more on virtual accounts and global reach, see how Colombian banks can offer global stablecoin accounts (GSAs).

Challenges and Risks: Security, FX, and Interoperability

While the advantages are compelling, stablecoin API integration is not without its challenges. Security is a top concern, as fintechs must guard against smart contract vulnerabilities and data breaches.

Conducting regular smart contract audits can help mitigate potential vulnerabilities and reduce risk exposure.

FX volatility can still impact conversion costs, despite stablecoins providing a buffer against the most extreme swings.

Integration with legacy systems and the need for strong interoperability standards can also slow down implementation.

Security and interoperability remain top challenges for fintechs deploying stablecoin APIs.

For an in-depth look at custody and risk, see top stablecoin custody risks (and how Mural solves them).

Real-World Results: Case Studies from Colombia and LATAM

The adoption of stablecoin APIs has delivered measurable improvements for Colombian fintechs and exporters. For instance, exporters who switched to stablecoin payment solutions saw settlement times fall from 2–5 business days to near real-time, significantly improving cash flow and operational efficiency (muralpay.com).

These improvements are especially impactful for Colombia’s significant underbanked population, who gain access to faster, more reliable payment methods.

These before-and-after results underscore the transformative power of stablecoin APIs when deployed in high-volume, compliance-driven settings.

For more on API adoption journeys, read API-First Payments in Colombia: What Every Fintech Needs to Know.

The Future of Stablecoin APIs in Colombia: Trends and Outlook for 2025

Colombia is positioning itself as a leader in digital finance, with regulatory frameworks designed to support the next generation of fintech innovation. Juan Pablo Córdoba, President of the Colombian Stock Exchange, notes, “Colombia is making significant progress in digital asset regulation, and stablecoins are being closely studied as part of upcoming fintech laws” (muralpay.com).

Colombia’s open finance framework, which has seen rapid voluntary adoption among banks and fintechs, positions the country at the forefront of fintech innovation in Latin America.

The imminent launch of the Bre-B instant payment system and growing interest in local stablecoin projects point to a vibrant and competitive landscape.

As open finance adoption accelerates and compliance standards become clearer, fintechs embracing API-first strategies are set to thrive.

Ready to explore how stablecoin rails can accelerate your payments roadmap? Reach out to the Mural Pay team to start a sandbox demo and see the API in action.

FAQ

What makes a stablecoin API valuable for Colombian fintech platforms?

It offers near real-time settlement, lower FX costs, and built-in compliance tooling that aligns with SFC guidelines, letting teams focus on product instead of infrastructure.

How do stablecoin APIs reduce operating costs?

By bypassing correspondent banks and leveraging blockchain rails, APIs cut wire fees and processing delays, creating leaner operations—especially for high-volume payouts.

Can stablecoin APIs integrate with local channels like PSE or Nequi?

Yes. Providers such as Mural Pay bridge on-chain liquidity with local rails, enabling instant COP payouts to popular wallets and bank transfers.

Are additional licenses required to use stablecoin rails in Colombia?

Fintechs must follow existing KYC/KYB and FX reporting rules, but no separate digital-asset license is currently mandated when working with a regulated API provider.