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市场调查报告书
商品编码
1761512
全球跨国支付市场:依支付类型、通路、最终用户、地区、机会及预测,2018-2032Global Cross-Border Payments Market Assessment, By Payment Type, By Channel, By End-user, By Region, Opportunities and Forecast, 2018-2032F |
预计全球跨国支付市场规模将在2025-2032年间以6.76%的年复合成长率成长,从2024年的2014.2亿美元增至2032年的3399.2亿美元。推动该成长的关键因素包括数位商务的兴起、自由工作和零工经济的扩张,以及新兴市场促进金融包容性的举措。此外,围绕KYC/AML合规性、资料保护和外汇透明度的监管环境也在不断发展,迫使银行和金融服务提供者升级其系统和流程。
受全球化、数位商务扩张以及对即时、透明且经济高效的跨境资金转移方式日益成长的需求的推动,全球跨境支付市场正在经历根本性变革。此外,世界各地的央行和监管机构正在探索建立新的即时支付轨道和可互通的支付基础设施,以促进包容性成长和资金的无缝流动。随着国际交易数量的快速成长,支付服务提供者也在投资新技术,以确保可靠性、合规性和可扩展性。
例如,2025年7月,Societe Generale-FORGE在以太坊和Solana等公链上推出了CoinVertible美元稳定币。 CoinVertible由BNY Mellon作为储备託管机构提供支持,代表了一种代币化透明支付的新范式,为机构在全天候跨境支付中使用可编程货币开闢了可能性。 CoinVertible 代表银行持续采用数位货币技术来开发批发汇款基础设施。
本报告调查了全球跨国支付市场,提供市场概述,以及依支付类型、管道、最终用户和地区的趋势,和参与市场的公司简介。
Global cross-border payment market is projected to witness a CAGR of 6.76% during the forecast period 2025-2032, growing from USD 201.42 billion in 2024 to USD 339.92 billion in 2032F, growing at a prompt pace, driven by a booming need for secure, real-time, and smooth global transaction experiences. Multiple key factors continue to fuel this growth, such as increased digital commerce, the expansion of freelance and gig economies, and efforts to drive financial inclusion in emerging markets. In addition, the regulatory landscape surrounding KYC/AML compliance, data protection, and FX transparency continues to evolve and apply pressure on banks and financial service offerings to upgrade their systems and processes.
The global cross-border payments market is undergoing fundamental change fueled by globalization, expansion of digital commerce, as well as the increased demand for real-time, transparent, and cost-effective methods of moving money across borders. In addition, the central banks and regulators around the world are looking to build new real-time rails and interoperable payment infrastructures to facilitate inclusive growth and seamless money movement. As the number of transactions grows at pace internationally, payment offerings are also investing in new technology to ensure trust, compliance, and scalability.
For example, in July 2025, Societe Generale-FORGE launched the CoinVertible USD stablecoin on public blockchains such as Ethereum and Solana. CoinVertible is backed by BNY Mellon as the reserve custodian and represents a new paradigm of tokenized and transparent settlement that opens the potential of programmable money for institutional use in cross-border payments 24/7. CoinVertible represents a continuation of bank adoption of digital currency technology to develop wholesale remittance infrastructure.
Increasing Adoption of Stablecoins Shaping Global Cross-Border Payment Market Dynamics
One of the most potent drivers reshaping cross-border payments is the accelerating use of stablecoins, a digital currency that blends the speed and programmability of crypto while maintaining the stability of fiat currency. These blockchain-based digital currencies allow cheap and almost instant international settlements and include smart contract logic into payment. This is critical when global businesses require real-time treasury management and transparency in fees, as the expanding stablecoin infrastructure has been embraced by large banks, card networks, and fintechs. Regulatory clarity offered by markets such as the U.S., Singapore, and the EU has provided a level of institutional confidence in stablecoins, especially for B2B payments and remittance corridors.
For instance, in April 2025, Mastercard Incorporated announced cross-chain and end-to-end stablecoin transaction capabilities through a partnership with OKX and other services. This allows for stablecoin payments from digital wallets directly to merchant checkout terminals. Customers can spend their stablecoins through the Mastercard network in a KYC-compliant manner while using an asset that provides strong settlement predictability and access to over 90 million merchants around the world, bridging Web3 and traditional financial infrastructure.
Real-time Clearing and Integration of Blockchain Technology Pushes Cross-Border Market Growth
The shift to real-time, blockchain-based clearing platforms that can diminish friction and increase liquidity is an additional key growth element. Traditional cross-border payments leave time gaps and incur a lot of fees relating to the various intermediaries. Blockchain-enabled clearing, on the other hand, is offering an infrastructure platform making remote funds instantly liquid with less friction and moving the costs lower, as well as a higher level of transparency. This is great for corporates using cash from a tight cycle and extracting or importing time-sensitive commodities or goods. Countries such as India that are beginning to offer 24/7 dollar clearing, for example, to bring their business days in line with their trading partners and decrease dependence on foreign correspondent banks.
For instance, in 2025, Axis Bank Limited collaborated with J.P. Morgan's Kinexys platform to offer real-time USD clearing at GIFT City through blockchain rails. This partnership enabled corporates in India to settle cross-border dollar payments even on weekends or public holidays, a major step towards 24/7 liquidity and accelerating institutional blockchain utilization in a regulated space.
B2B Payment Segment Dominates the Cross-Border Payment Market Share
Business-to-Business (B2B) payments are the highest in terms of both transaction volume and value in the cross-border space. Companies typically have complicated supplier networks, forced to deal with different regulatory jurisdictions with respect to tax and invoicing, and often need payments to be transparent, low-cost, and traceable. Unlike P2P payments, B2B payments involve bulk transfers (sending thousands of dollars), require high regulatory scrutiny, and reconciliation systems that are integrated. As a result of their complexities, B2B payments have been widely adopted by exporters, e-commerce platforms, and freelancers. In addition, many of these platforms offer automated FX conversions and invoice links along with their built-in KYC and AML functions as part of one cross-border payments suite.
For example, in May 2025, PayPal Holdings, Inc. received in-principle approval for registration as a Cross-Border Payment Aggregator by the RBI in India, providing Indian SMEs and exporters greater access to international payments and payments/remittance and bypassing their banking complexities. This verifies the continued rise of digital B2B platforms in global trade and coincides with India's target of supporting export-oriented MSMEs.
North America Leads the Global Cross-Border Payment Market
North America remains the cross-border payments stronghold, led by the technology-driven banking sector, a well-developed digital infrastructure, and the rapid adoption of blockchain and real-time innovation. Major global fintech players and card networks that are more than willing to invest in scalable and compliant cross-border payments all have headquarters in the United States and Canada. In addition, the remittance corridors to Latin America and Southeast Asia are some of the busiest in the world, with consumers requiring low-cost, real-time mobile-first services. Innovation is being sustained through pilot programs and Central Bank Digital Currency research by the U.S. Treasury and U.S. Federal Reserve, giving fintechs a regulatory sandbox to innovate. For instance, in April 2025, Visa Inc. and Revolut Ltd. entered into a significant global agreement to expand their collaboration through Visa Direct, enabling real-time cross-border payments for business customers worldwide. The agreement focuses on enhancing the speed, efficiency, and transparency of international transactions, specifically targeting sectors such as B2B travel, where seamless global money movement is critical.
Key Players Landscape and Outlook
Cross-border payment business internationally has accelerated competition among fintech startups, in competition with existing payment networks. The traditional players are deepening their digital offering, and challengers are building modular platforms with embedded finance. Companies are making transparent offers to their users on low FX margins and instant settlement, representing the future of cross-border payments for all types of users, including freelancers, travelers, and businesses. Also, API-based platforms are being white-labeled for banks, enabling them to access the markets much faster and enabling regional expansion.
In April 2025, Mastercard Incorporated announced a strategic partnership with Corpay, Inc., a global leader in business payments, to streamline and expand cross-border B2B payment solutions. The collaboration focuses on enhancing corporate treasury efficiency by integrating Mastercard's payment rails with Corpay's cloud-based platform, enabling faster, more transparent, and compliant international transactions for businesses of all sizes.
For example, in December 2024, Wise Payments Limited announced a partnership with Morgan Stanley to offer enhanced international payments to corporate clients. Morgan Stanley offers Wise's platform to enable fast, low-cost cross-border payouts with treasury services. This demonstrates how fintech players are providing trusted enablers for even the most conservative financial institutions.
All segments will be provided for all regions and countries covered
Companies mentioned above DO NOT hold any order as per market share and can be changed as per information available during research work.