SpotPay

Roadmap & Position in Stablecoins

Stablecoin wallet for instant, low-cost cross-border payments for expats and freelancers.

Company Overview

Builds a stablecoin-powered global borderless neobank that gives users one account for receiving money from abroad, paying locally, spending anywhere with the SpotPay Calypso Card (including Apple Pay and Google Pay), and saving and earning on their balance.

What They're Building

The company's public product roadmap & what they're committed to building.

SpotPay has publicly launched and is live in 40+ countries with TPV growing 43% week over week and user base growing 27% week over week. Features include the Calypso Card for global spending (Visa-compatible, Apple Pay/Google Pay), instant local and international transfers, QR code merchant payments, and a FinCEN-registered MSB digital wallet. Geographic focus includes the Caribbean, Latin America, Africa, and regulated Western markets.

Latest Intelligence

Zeitgeist tracks private signals to determine where the company is heading strategically.

Stablecoins Disappear Into Consumer Banking

May 13, 2026

Confidence:

High

New Intel: SpotPay is turning stablecoins into a borderless neobank with cards, local transfers, QR merchant payments, and 40+ country coverage. The wedge is hiding crypto complexity from expats, freelancers, and SMBs.

Founder and Key Execs

Zsika Phillip-Baptiste, Co-Founder & CEO

Co-Founder & CEO

Thomas, Co-Founder & CTO

Co-Founder & CTO

Founder Force Multiplier

SpotPay combines Zsika Phillip-Baptiste's experience as a tech lead and PM at Google (YouTube Monetization, Ads, Google Cloud) with a Stanford MBA and firsthand experience growing up between the Caribbean and Latin America navigating broken cross-border payments, and Thomas's.

Funding History

2025 | Zsika Phillip-Baptiste and Thomas co-found SpotPay.
2026 | Accepted into Y Combinator Winter 2026 batch.
2026 | FinCEN MSB registration confirmed.
2026 | Live in 40+ countries with Calypso Card and digital wallet launched.
2026 | TPV growing 43% WoW, user base growing 27% WoW.

Competitors

Traditional Remittance

Western Union, MoneyGram, Wise (TransferWise).

Stablecoin Wallets

Strike, Chipper Cash, Yellow Card, Decaf.

Neobanks/Fintechs

Revolut, Nubank, Payoneer.

Crypto On/Off Ramps

MoonPay, Ramp Network, Transak.

SpotPay

's Moat:

Stablecoin rails reduce cross-border transfer costs from 6-8% to near-zero. Visa-compatible card (Apple Pay, Google Pay) provides familiar spend experience. 43% WoW TPV growth in 40+ countries demonstrates traction. Google YouTube Monetization tech lead background means the founder understands payment rails at scale.

How They're Leveraging AI

Real-time anomaly detection

AI-powered real-time fraud detection and dynamic risk scoring for cross-border stablecoin transactions.

Automated compliance screening

ML-automated KYC identity verification and AML transaction monitoring for regulatory compliance.

Dynamic payment routing

ML-optimized multi-rail payment routing and foreign exchange rate optimization for cross-border stablecoin transfers.

AI Use Overview:

Using real-time anomaly detection for fraud prevention, automated compliance screening for AML/KYC, and dynamic payment routing across chains.

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