In the innovative crypto world, few names have emerged as boldly as Almond FinTech, a company tackling one of the world’s most persistent problems: inaccessible and inequitable financial services. In an exclusive interview, Reza Ali, Editor-in-Chief of AltcoinBreaking, sat down with Adam Swartzbaugh, the visionary CEO of Almond FinTech, to explore the mission, innovation, and future outlook of this trailblazing fintech startup.
Breaking Barriers with Blockchain
Adam began by highlighting the company’s origin, rooted in a desire to solve deep-rooted inefficiencies in global finance. “We set out to improve the way money moves across borders,” he explained. “From remittances to business payments, our goal was to make financial services more affordable and more accessible.”
Almond developed proprietary technology that optimizes fiat-to-fiat currency routing by using the power of blockchain. “What we’ve built is the only cross-border transfer technology that leverages the collective power of all available blockchain networks in real time,” Adam noted. This infrastructure enables 24/7, real-time transfers with lower FX risk and reduced capital requirements.
Staying Ahead in a Competitive Fintech Landscape
When asked how Almond stays competitive in the saturated fintech and crypto space, Adam emphasized their unique advantage. “While big institutions fight for a marginal gain in FX rates, we beat mid-market rates regularly by optimizing routes across dozens of blockchains and hundreds of digital currencies.”
He used a compelling metaphor: “Traditional systems are like using a paper map in rush hour. What we’ve built is the Google Maps of global payments. We navigate congestion, volatility, and inefficiencies in real time.”
Security and Compliance First
Reza brought up concerns around regulatory compliance and security—particularly in the complex world of cross-border payments. Adam reassured that Almond only partners with licensed financial institutions and adheres to country-specific regulatory frameworks.
“We do rigorous due diligence and support full AML and KYC processes,” Adam said. “Plus, because our technology enables real-time settlement, exposure to financial risk is dramatically reduced.”
Managing Global Regulatory Challenges
Every country has different rules regarding crypto and blockchain, a fact Adam is keenly aware of. “In well-regulated markets, we operate freely. In others, where policy is still evolving, we engage directly with regulators and demonstrate practical use cases aligned with national payment strategies.”
Minimizing Risk Through Smart Tech
The interview turned to volatility in the crypto space—one of the biggest challenges for any company working with digital assets. “Volatility is real,” Adam admitted, “but our system mitigates this by rotating among stablecoins and other digital assets in real time, depending on performance and market conditions.”
He cited a Moody’s report showing stablecoins depeg over 500 times annually. “If USDC drops value, we shift to another like XRP or Solana. Our system always finds the optimal path.”
Adam believes Almond’s adaptability gives it a unique edge. “Any new blockchain, token, or exchange only adds more options for us. It enhances our engine’s performance. That’s what future-proofs our technology and helps our partners stay ahead.”
The Future of Cross-Border Payments
As the interview wrapped up, Reza asked Adam what trends he sees defining the future of crypto payments. Adam responded with optimism. “There’s a clear, positive progression. We’re witnessing a shift where blockchain is not just part of the financial system—it is the infrastructure. And Almond FinTech is helping to build the roads.”
