Thunes has launched real-time payment services in the United States, extending its cross-border payout network for members sending money into the country.
The service is built on a direct connection to a Tier 1 US financial institution, enabling payouts in US dollars via ACH, Same-Day ACH, and real-time payment rails. It is available through a single API for businesses and payment providers outside the US that need to send funds into the country.
The launch expands Thunes' existing network, which reaches 140 countries and supports 90 currencies. The network connects to more than 12 billion mobile wallets, stablecoin wallets, and bank account endpoints.
Thunes is targeting clients that move money across borders into the US, including gig economy platforms, money transfer operators, payment service providers, banks and neobanks. The service is designed for both larger business payments and consumer payouts.
US coverage is supported by 50 Money Transmission Licences across states and territories. Thunes said those licences allow it to connect directly to local clearing systems rather than rely on several third-party intermediaries.
That structure matters in a market where cross-border payments into the US often pass through multiple institutions before reaching the final account. Each additional intermediary can add time and cost, and increase the risk of payment failure or rejection, particularly for businesses handling larger transaction volumes.
The new US route is intended to address those frictions by giving clients a choice of settlement methods. Businesses seeking lower-cost batch processing can use ACH, while those needing faster fund transfers can use same-day or real-time rails.
Cross-border payment groups have increasingly sought direct access to domestic payment infrastructure in major markets as clients demand faster settlement and clearer pricing. The US remains one of the most important destinations for international business and consumer payments, making local access a strategic objective for networks looking to handle more of the transaction flow themselves.
For Thunes, the addition broadens the reach of a network that includes digital platforms, fintech companies and banks. The Singapore-based company also said its system connects to 15 billion cards through more than 220 payment methods worldwide.
Chloé Mayenobe, Deputy CEO of Thunes, said the company sees a significant gap in the market for faster, simpler payment flows into the US.
"USD payments into the US have historically been sluggish, opaque and heavily burdened by fees associated with cross-border money movement, particularly for businesses. By leveraging our licenses across the states to introduce connections to direct, real-time domestic rails alongside institutional-grade USD clearing, we are addressing a multi-trillion-dollar market gap. Thunes is making large-size B2B payments instant and friction-free and making consumer payouts easier than ever, giving our members in the rest of the world the ability to pay out into the US like locals," Mayenobe said.
Ximena Azcuy, Head of Network - Americas at Thunes, said the direct bank integration changes how overseas businesses can send money to recipients in the US.
"Our direct integration with a primary US financial institution is a game-changer for international businesses and end users. We are opening the floodgates for seamless, high-volume cross-border money movement into the United States. Whether a company requires cost-efficient batch processing via ACH or a real-time payment scheme, Thunes now delivers the ultimate competitive edge for our members around the world," Azcuy said.