In a significant development for the cross-border digital asset landscape, global stablecoin payments infrastructure pioneer NALA has finalized a structured credit facility worth up to $50million. The debt financing is issued by Liquidity, a prominent AI-driven private credit and technology provider, through Mars Growth Capital—a specialized joint venture between Liquidity and Japan’s banking heavyweight, MUFG Bank Ltd.
The credit arrangement opens with an initial $25million commitment, which includes a flexible scale-up option extending to at least $50million. The liquidity injection will be deployed directly as working capital to back NALA’s aggressive international footprint, accelerate product development, and scale real-time cross-border money movement as the firm positions itself as a next-generation neobank powered by tokenized settlement infrastructure.
Strategic Capital and the Pre-Funding Bottleneck
A notable structural detail of this facility is its non-dilutive nature. NALA enters this arrangement from a position of strength, still retaining more than 50 per cent of the equity capital generated from its $40 million Series A round in 2024. By opting for a bespoke credit facility over further equity rounds, NALA’s management can rapidly broaden its payment corridors and expand its institutional client volume without triggering additional shareholder dilution.
For high-growth cross-border payment networks, pre-funding is a notorious capital bottleneck. To ensure near-instantaneous payouts into emerging markets, payment infrastructure platforms must hold heavy pools of localized fiat or digital assets across multiple target jurisdictions before transactions occur. When client volumes explode, this requirement can strain traditional treasury models.
“The financing from Liquidity validates our vision of building the definitive stablecoin payments infrastructure for the long term,” said Benjamin Fernandes, founder and CEO of NALA. “At some point our business was more than doubling every other quarter, we grew faster than we could handle pre-funding for single direction payments and everything broke. Liquidity came in quickly and were highly flexible, so their tailored capital is a lifeline for us. It provides the cash required for NALA to pre-fund customer accounts and unlock our next phase of growth.”
Bespoke Structuring Over Off-the-Shelf Debt
The partnership highlights a growing trend among tech-driven private credit providers to leverage algorithmic underwriting to price risk for complex, high-velocity digital asset businesses. Standard lending models frequently struggle to evaluate compliant blockchain rails and bilateral stablecoin-to-fiat corridors.
Paul Brodie, global head of investments at Liquidity, explained that the credit provider conducted rigorous bottom-up due diligence and extensive scenario stress-testing to mirror the operational architecture of NALA’s network. “Our team structured a facility that accounts for NALA’s compliant stablecoin rails, real-time cross-border payments and rapid growth in emerging market corridors,” Brodie noted.
Justin Langen, director at Liquidity, emphasized that the firm prioritized custom engineering over generic templates to accommodate NALA’s real-time transactional demands. “In NALA’s case, that meant structuring a facility that can adapt as volumes grow and corridors expand, giving them the flexibility to meet rising demand without friction,” Langen stated.
Capturing Institutional Momentum
The deal arrives amidst an unprecedented surge in enterprise appetite for digital asset settlement rails. Over the past year, NALA has registered a sharp increase in B2B stablecoin payment requests, specifically driven by global enterprises seeking cheaper alternatives to legacy, high-fee correspondent banking networks. The working capital guarantees NALA can successfully pre-fund much larger customer accounts and smoothly onboard a major pipeline of institutional contracts slated to go live later this year.
Founded originally as a consumer remittance platform, NALA has progressively scaled its B2B presence via Rafiki, its proprietary intercompany payments infrastructure API. Today, NALA provides integrated gateway connectivity to over 249 banking networks and 26 mobile money systems spanning 16 nations across Africa and Asia. Backed by Liquidity’s global multi-billion-dollar allocation framework, the fintech is well-positioned to cement its role as a key settlement layer connecting mature Western economies with fast-evolving emerging markets.
The post Pre-Funding the Next Billion: NALA Secures $50Million Credit Line to Fuel Stablecoin Remittance Infrastructure appeared first on The Fintech Times.
