BNB Chain has unveiled a major strategic partnership with Better Payment Network (BPN) to create a programmable, real-time payment layer built on stablecoin liquidity. This initiative, announced on October 21, 2025, is backed by a $50 million investment led by YZi Labs and aims to establish a multi-stablecoin global settlement network that seamlessly connects traditional finance with on-chain systems.
The partnership focuses on eliminating pre-funded accounts by replacing them with direct on-chain transactions, promising faster settlement times, higher capital efficiency, and lower transaction costs. Specifically, the model is expected to reduce costs from approximately 2% to just 30 basis points and cut settlement times from days to hours. BNB Chain emphasized that this move is a step toward 'PayFi,' where payments become global, instant, and accessible to all.
The network will leverage a unified framework for minting, swapping, and settling fiat-backed stablecoins, integrating liquidity across a range of regional stablecoins including BBRL (Brazilian Real), TRYB (Turkish Lira), cNGN (Nigerian Naira), MEXAS (Mexican Peso), and EURI (Euro). Through collaborations with protocols like PancakeSwap and Aster on BNB Chain, the system will enable on-chain arbitrage, derivatives trading, and FX hedging in a single environment.
Additionally, the launch of BPN Earn, supported by Binance Earn, will allow institutions to generate yield on idle capital. BNB Chain has already surpassed $14.7 billion in stablecoin supply, underscoring its capacity for this expansion. The $50 million in funding will be allocated to creating liquidity pools, developing initial corridors, and implementing market-making mechanisms to maintain efficient on-chain foreign exchange rates.
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