AI and Cross-Border Payments. Stablecoins and Predictive Models for Fast, Low-Cost International Remittances.

This book offers a rigorous and accessible examination of how artificial intelligence is reshaping the landscape of international money transfers. Millions of people around the world depend on remittances to support their families, yet the traditional financial infrastructure that handles these flows has long been characterized by high fees, slow settlement times, and opaque pricing. The author traces the technical and economic forces that are driving change, focusing on the convergence of blockchain-based stablecoins and machine learning models capable of predicting exchange rate movements, liquidity bottlenecks, and compliance risks in real time. Readers will gain a clear understanding of how decentralized payment rails work, why stablecoins reduce volatility without sacrificing the efficiency of digital assets, and how predictive algorithms are being deployed by fintechs and correspondent banks alike to optimize routing and lower costs. The book also addresses the regulatory landscape across major remittance corridors, the role of central bank digital currencies, and the challenges of financial inclusion in underbanked regions. Whether you are a finance professional, a technology strategist, or an informed reader seeking to understand the future of money movement, this work provides the analytical framework and practical context needed to navigate one of the most consequential transformations in global finance. Finances 360 - Ed. 2026 / Miguel A. Muñoz.

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