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Spondula Insights.

Guides, stories, market commentary, and updates from the team building global payments.

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Stories

The rise of peer-to-peer wallets in the US — and why the next phase is global

Venmo has 90 million American users. Zelle processed over $1 trillion in 2024. Cash App reaches 57 million monthly. Within the US, peer-to-peer wallets won. Across the border, none of them work. Here is the rise — and why the next phase is being built differently

Spondula Team·5 min read·28 Apr 2026
Stories

The order that couldn't get through — a merchant story

Sofia makes ceramics in Mexico City. A buyer in Amsterdam wanted a piece. The payment failed three times. The product was ready. The money was there. The system was the problem

Spondula Team·5 min read·25 Apr 2026
Stories

She doesn't have a bank account. She can still receive your money.

1.3 billion adults have no bank account. Most have a phone. Here is what it looks like when a grandmother in Nigeria receives money from her son in London — without a bank on either end.

Spondula Team·5 min read·25 Apr 2026
Stories

From a site in Qatar to a school run in Kumasi — how the money moves

Kwame works twelve-hour shifts in Doha. His family is in Kumasi, Ghana. This is what the first and fifteenth of every month used to look like — and what they look like now.

Spondula Team·5 min read·25 Apr 2026
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    mila23d

    I want to know more about sending the payment in the opposite direction

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    How does the cashout system work?

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