Financial technology has long outgrown its role as a mere alternative to traditional banking. Today, fintech is emerging as a central driving force in the evolution of the global economy—especially in areas where conventional financial institutions can no longer keep pace with the needs of modern users. One of the most dynamic and strategically vital sectors is cross-border payments. It’s in this space that fintech companies like Sends are building a new reality—displacing outdated models and setting the pace for innovation.

Not long ago, international money transfers were synonymous with lengthy procedures, opaque fees, and frustrating delays. That’s no longer acceptable. User expectations have evolved—whether they’re migrants, freelancers, or multinational corporations. They now demand more than just fast and low-cost transfers; they expect full transparency, real-time control, and above all, simplicity in how they interact with the system. This is where fintech truly shines.

“We’re working with clients who no longer accept the idea that ‘there’s no other way,’” says Sends CEO Alyona Shevtsova. “Both businesses and individuals want services that match the pace of their lives: flexible, fast, and intuitive. That’s exactly the kind of product we’re building.”

A New Type of Financial Infrastructure

Fintech today is about much more than just transferring money. Sends is a vivid example of how a modern platform can cover the full spectrum of financial needs and build an entire ecosystem around the user. It’s not only about personal or business accounts — it’s also about currency exchange in just a few clicks, instant payments, full mobile support, and services that integrate into business processes with minimal effort.

Sends places particular emphasis on the business segment. For companies operating in e-commerce or providing digital services, a dedicated management dashboard has been developed. It allows real-time transaction tracking, report generation, customer behavior analysis, and swift decision-making. This is no longer just a financial service — it’s a comprehensive tool for strategic planning.

Such functionality is especially in demand among small and medium-sized businesses, which often face a lack of attention from traditional banks. Thanks to easy integration with CRM and accounting systems, as well as a flexible API, Sends becomes not only a money transfer service but also a reliable platform for scaling and adapting businesses to a constantly changing environment.

Demand That Shapes Supply

In recent years, the European market has shown an increasing need to reform the traditional banking model. According to sociological research, over 60% of users express dissatisfaction with high fees and slow payment processing. This issue is particularly relevant for migrants and entrepreneurs who carry out dozens of transactions every day.

The response to this growing demand has been the rapid rise of adaptive fintech platforms offering multilingual interfaces, support for multiple currencies, mobile applications, and high-speed transaction execution. Sends is exactly this kind of platform — universal, intuitive, and powered by a robust backend built for scalability.

“We didn’t design Sends as just another financial app,” says Alyona Shevtsova. “We envisioned it as a full-fledged ecosystem capable of addressing a wide variety of needs — from one-time money transfers to building long-term payment infrastructures for international businesses.”

Regulation as a Competitive Advantage

Unlike in regions where regulatory policy is seen as a barrier to innovation, in Europe, the clarity and predictability of financial regulations has become one of the key drivers of fintech development. Sends operates under an Electronic Money Institution (EMI) license issued by the FCA — the UK’s financial regulator, which enjoys a strong reputation among market participants.

This level of regulation enables the company not just to formally comply with requirements, but to build its entire operational model around transparency and security. Sends has implemented advanced AML (Anti-Money Laundering) and KYC (Know Your Customer) protocols, along with automated real-time monitoring systems.

“We deal with extremely sensitive information — personal data, finances, commercial reporting. That obliges us to go beyond simply meeting standards — we aim to stay one step ahead,” emphasizes Alyona Shevtsova.

It is precisely at this level of responsibility that long-term relationships with clients are built. Security, transparency, and trust are no longer just competitive advantages — they are fundamental expectations. And the companies ready to meet them are setting a new standard for the entire market.

Borderless Expansion

The growing volume of cross-border transfers both within and beyond the SEPA zone is yet another sign that the market is undergoing fundamental change. Fintech platforms like Sends are transforming the challenges of globalization into engines of growth. In this context, speed, scalability, and localized support come to the forefront.

The platform supports multi-currency operations, enables work across multiple markets simultaneously, offers competitive rates, and provides straightforward integration into local ecosystems. This is particularly crucial in times of geopolitical instability, when adaptability and rapid decision-making are essential.

“Our clients range from first-time entrepreneurs to tech companies with offices in several countries. What they all need is a stable, predictable, and user-friendly tool to manage their finances — and that’s exactly what we deliver,” says the head of Sends.

According to Alyona Shevtsova, financial technologies are no longer just tools — they are becoming foundational. Sends is a clear example of how a platform built on modern solutions, client-centric openness, and flexible regulation can be more than just a response to demand — it can become a driver of change within the financial ecosystem.

In this new digital landscape, finance is no longer a closed system governed by rigid access rules. It is becoming a tool for growth, scalability, and opportunity. And it is fintech platforms like Sends that are shaping these new rules of the game.