In cross-border payments, loyalty comes down to one thing: helping users keep more of the money they worked hard to earn.For freelancers and remote professionals, even small differences in fees and exchange rates can significantly impact their take-home pay. Higlobe was built around a simple mission: move the world’s money instantly and at the lowest cost.
By partnering with Coins.ph, Higlobe was able to significantly reduce its operational costs while improving speed, reliability, and the overall customer experience.
CHALLENGE: Finding the Right Infrastructure Partner
The rise of remote work has enabled more than 1.5 million Filipino freelancers to work directly with international clients. However, receiving payments across borders remains expensive and inefficient.
Many workers continue to lose part of their income through multiple intermediary fees, high foreign exchange spreads, delayed settlements, and limited banking hours.
When Higlobe launched, its goal was to remove as much of that friction as possible. While the customer experience was already simple, its backend infrastructure relied on an international payout provider that came with higher operating costs and limited payout availability, particularly during weekends.
To continue delivering better value to users, Higlobe needed a local infrastructure partner that could provide lower costs, faster settlement, real-time liquidity, and regulatory support.
That search led to a partnership with Coins.ph, one of the Philippines’ leading BSP-regulated digital asset platforms.
Together, Higlobe and Coins.ph built a modern cross-border payment infrastructure that combines Higlobe’s global collection platform with Coins.ph’s regulated local payout network.
The result is a seamless experience where freelancers receive international payments through dedicated USD or EUR accounts and withdraw Philippine pesos directly to their local banks in real time, 24 hours a day, seven days a week.
SOLUTION: Building a Modern Cross-Border Payment Infrastructure
The partnership combines Higlobe’s international payment platform with Coins.ph’s regulated local liquidity infrastructure to create a faster and more efficient payment experience.
International Payment Collection - Higlobe provides every customer with a dedicated USD or EUR receiving account under their own name. To international clients, sending payment feels like making a regular domestic bank transfer instead of an international wire.
Optimized Settlement Behind the Scenes - Once funds arrive, Higlobe routes them through a modern settlement infrastructure. USD and EUR are converted into stablecoins behind the scenes, allowing value to move quickly without relying on traditional correspondent banking networks.
Coins.ph then converts those digital assets into Philippine pesos through its regulated infrastructure. The entire blockchain process remains invisible to customers, who simply experience faster transfers and better value.
Instant Local Bank Payouts - Operating under its Electronic Money Issuer (EMI) license from the Bangko Sentral ng Pilipinas (BSP), Coins.ph provides the liquidity and local payout infrastructure that completes the transaction. Funds are transferred directly into the user’s Philippine bank account in near real time, including weekends and holidays.
RESULTS: A 14% Reduction in Backend Costs
After integrating with Coins.ph, Higlobe reduced its backend payout costs by approximately 14%.
Instead of keeping those savings as additional profit, Higlobe used the improved efficiency to offer customers even more competitive pricing, allowing freelancers and remote professionals to keep more of every payment they receive.
Today, Higlobe offers the most competitive pricing in the market. If a customer finds a better Philippine peso payout from any competitor, Higlobe will match it.
The impact extends beyond pricing.
Customers consistently tell Higlobe they appreciate receiving payments faster, experiencing fewer delays, and taking home more money every payday.
One customer even shared that the savings from switching to Higlobe were enough to buy one sack of rice for their family every month.
For Higlobe, stories like these are the clearest measure of success.
Why Infrastructure Matters: A Quick Comparison
Operational Excellence
Reducing costs is only part of the equation. Reliability is equally important.
Traditional banking infrastructure often experiences maintenance windows and settlement delays that can impact customer experience.
“One thing we really appreciate is how proactive the Coins team is. Whenever there are scheduled bank maintenance windows, they let us know ahead of time so we can communicate with our users and manage expectations. That level of partnership has helped us provide a much more reliable customer experience.” – Algie Mabasa, Country Manager, Higlobe
Wei Zhou, CEO of Coins.ph, shared a similar vision:
“A successful integration requires more than connecting APIs. It requires operational alignment, regulatory trust, and infrastructure that partners can rely on as they grow. That’s exactly what we aim to provide.”
About Higlobe
Higlobe is a global payments platform that helps freelancers, remote professionals, and businesses receive international payments faster and at lower cost. By combining global receiving accounts, modern payment infrastructure, and local payout networks, Higlobe enables customers to keep more of what they earn through a seamless cross-border payment experience.
About Coins.ph
Coins is building the next generation of global money movement. Through a single platform, businesses and consumers can make payments, move money across borders, convert currencies, access digital assets, and tap into a growing suite of financial services — from cards and credit to investments and treasury. By combining stablecoin-powered settlement with local payment rails, Coins makes money move faster, at lower cost, and with 24/7/365 availability.