Interview with Bitfia Labs

Interview with Bitfia Labs

In an exclusive interview, we had the opportunity to communicate with Major Jain, founder and CEO of Bitfia Labs.

Every great fintech innovation begins at a point of friction. So, what specific "epiphany" moment or industry gap prompted you to create Bitfia Labs and build the iPint ecosystem?

In 2021, we see a clear gap in the crypto ecosystem: While transactions and DeFi are gaining attention, the actual utility layer of digital assets remains underdeveloped. Payments are the most promising use case, especially those that can transfer value safely, have no refunds, settle faster, and cover more than 170 countries. This insight led us to build iPint, a decentralized payment platform specifically designed for merchants and cross-border commerce. From the beginning, our focus has been to combine security, ease of use and compliance. iPint is now developing into a compliant cross-border payment orchestration platform driven by stablecoins, capable of handling high transaction volumes across multiple payment channels.

Traditional cross-border commercial payments are notorious for outdated delays (T+2 settlement) and high fees. How exactly does iPint break these geographical and financial boundaries to serve modern business?

iPint uses the U.S. dollar stablecoin channel to transfer funds in minutes rather than days, a major shift from traditional SWIFT transfers. In many cases, this means significantly reduced fees and near-instant settlement, while traditional systems typically take 3-5 days and bear 3-5% of the cost. iPint is unique in its choreography layer. We connected a network of stablecoin entrances, exporters, banks and financial institutions and routed every transaction through the most efficient path. We initially started from Australia and are in the process of obtaining more licenses to expand further.

Congratulations to Bitfia Labs for being selected on the famous Forbes DGEMS 2025 "Select 200" list! How does this recognition affect the momentum of your team and your position in the global fintech space?

Being selected for the Forbes DGEMS 2025 Select 200 is an important recognition of the path we are on. It strengthens our belief that a strong focus on compliance, security and user experience can create real value for customers in the global fintech space. This recognition also provides us with a network of valuable entrepreneurs, partners and potential collaborators across diverse geographies. This is both a milestone and an incentive for our team-demonstrating that Bitfia and iPint are being watched for their technology, customer trust and quality of service.

Your retail infrastructure (iPint Retail) is online, helping daily merchants and e-commerce platforms accept cryptocurrencies without having to face price fluctuations. For merchants reading this, how easy is it to move from traditional credit cards to your system? How do you protect them from fluctuations in the cryptocurrency market?

For merchants, the transition is straightforward. They can get started immediately with simple API integration, or using our plug-ins without managing hosting, security or technical complexity. The process is designed to be familiar and low-friction. To protect merchants from fluctuations, settlements can be made in stablecoins or local currencies, so they are not exposed to fluctuations in cryptocurrency prices. The system also eliminates the risk of refunds, a major advantage over card payments. However, merchants should always review the local regulatory environment before embarking on such payment processes.

You are currently developing iPint Enterprise to deal with large-scale B2B corporate treasury and settlement. Can you explain in simple terms how your T+0 settlement engine will change the rules of the game for global capital flows of multinational companies?

iPint Enterprise is designed as a stablecoin-based payment channel built on top of our orchestration platform. It enables large cross-border transfers that are conducted in compliance, quickly and at a cost far lower than traditional systems. The biggest benefit for multinational companies, exporters, importers and financial institutions is T+0 settlement-funds can arrive almost immediately, rather than being stuck for days on the way. This improves liquidity, reduces costs, and makes treasury operations more efficient. Simply put, capital is no longer trapped in the payment chain.

You emphasize "T+0 finality" and "7x24-hour global channel" in infrastructure. In the real world, what does instant, round-the-clock clearing mean to a company's daily cash flow compared to traditional banks?

This means that businesses are no longer limited by bank hours, weekends or geographical time zones. Payments can be sent and received at any time, and the recipient can be confident that the funds will arrive almost immediately. This fundamentally changes cash flow management. Companies can recoup capital faster, settle debt earlier, and operate with greater flexibility. Channels based on stablecoins are becoming an important part of this transition, especially for global operating companies that require speed and predictability.

In the fields of encryption and blockchain, regulation is crucial. Bitfia clearly stated that "compliance comes first." How do you balance the decentralization, cutting-edge nature of blockchain with strict global financial rules?

We believe that innovation and compliance must go hand in hand. This is why we follow strict KYC, AML and CFT standards and require our partners to follow them as well. In markets where regulation is still evolving, we either wait for the framework to mature, work through licensed partners, or seek the necessary approvals ourselves. At the same time, we leverage the advantages of decentralized technology-security, speed and efficiency. But the basic principle remains simple: We always identify and verify the individuals and entities we work with. This is why we are able to build responsibly in a highly regulated industry.

We understand that an Australia financial license is being applied for as part of your aggressive expansion plan in the Asia Pacific region. Why is Australia a key strategic channel for Bitfia? What will this license unlock for your users?

Australia is an important starting point because of the strong remittance flows between Australia and South Asia, as well as broader commercial payment opportunities. We know this channel very well and it provides us with an actual expansion base. Obtaining a license in Australia will help us serve our users with clearer regulation and operational credibility. It also allows us to expand in both east and west directions as we build a broader Asia-Pacific payment network.

In addition to enterprise-level launches and regulatory milestones, what will iPint's success look like in 2026/2027? What is the company's ultimate grand vision?

Our long-term vision is to become a meaningful infrastructure player in the cross-border payments market. We believe that stablecoin-based payment channels are a key layer in a market that is already worth trillions of dollars. By 2026/2027, success for us means size, strong trading volume and the iconic customers who use the platform in a real, repeatable way. More broadly, we want Bitfia and iPint to be recognized as trusted enablers of faster, cheaper, and more compliant global payments.

If our readers can only take away one major point about the future of global payments, what should it be?

The most important point is that global payments are entering a new era-faster, smoother, and cheaper. Dollar stablecoins are becoming an important infrastructure layer for this transition. At Bitfia, we believe that stablecoins are more than just a crypto asset class; they are becoming part of the core architecture of modern payments. We help build this future through iPint.