APAC Remittance Intelligence — Management 1-Pager

Bottom line: APAC hosts the world’s largest remittance pool (~US $ 343 bn) yet still pays ≥ 9 % on key $1-bn+ lanes. Launching in compliant hubs and targeting these pain corridors could save migrants >US $ 200 m annually—if RemiDe moves now.

• Incumbent pushback—possible fee cuts or exclusivity deals by WU/Banks.
• FX volatility in THB-MMK, GBP-PKR.
• Sanctions / KYC leakage on Africa→Asia corridors.
• Regulatory timing (e.g. BSP licence window, India draft bill).

6 | Risks & Watch-points

1. Sandbox path into 🟡/🔴 markets: Pilot in Indonesia/Malaysia, prep licence dossiers for India once rules land.
2. FX-plus-data edge: Sub-1 % FX spread, real-time cost tracker to under-price incumbents transparently.
3. Hybrid payout model: Crypto rails in, local bank/API or cash-agent payout where wallets unlicensed.
4. Launch in 🟢 beachheads: Singapore & Japan for compliant stable-coin rails; route liquidity to priority corridors.
5. Attack high-cost lanes: Start with Thailand→Myanmar & Malaysia→Bangladesh—big pain, limited competition.

5 | Strategic Opportunity for RemiDe

4 | Regulatory & Web3 Readiness

• Last-mile dominance: Domestic banks & pawnshops (IN, PH), post offices (VN, ID), rising mobile-money (bKash BD).
• Digital / hybrid challengers: Wise, Remitly, Maya (PH), Alipay/WeChat, gaining share on US/EU→Asia lanes.
• Traditional MTOs: Western Union (~15 % global, low-teens APAC), MoneyGram, Ria, plus GCC exchange houses.