Thunes cover: 'A practical playbook for the ambitious MTO' with green currency symbols and a stylized skyline on a dark green background

Report

A Practical Playbook for the Ambitious MTO

Remittances remain one of the most resilient segments in global payments, with cross-border person-to-person flows estimated to reach $905 billion by 2026. This playbook provides a strategic framework for challenger MTOs to move beyond simple coverage toward corridor depth and structural strength.

A Practical Playbook for the Ambitious MTO

Consent

What’s inside?

Key Insights:

  • The shift from coverage to depth: Success is defined by strengthening corridors through direct integration and endpoint diversity rather than relying on layered intermediaries.
  • Liquidity as a growth engine: Moving away from static, “trapped” pre-funding toward 24/7 liquidity rails – including regulated stablecoin models – to reduce settlement lag.
  • Operational readiness: A practical guide to stress-testing infrastructure against peak migration seasons, FX shocks, and evolving regulatory standards.
  • Integrated compliance: How unified monitoring and real-time sanctions screening underpin license stability and customer trust.

A plan for success

  • The 2026 operating environment: A look at how price transparency and real-time domestic rails are reshaping MTO strategy.
  • The action plan: Five critical steps to design for corridor depth and align operations with capital strategy.
  • Operational readiness checklist: A corridor-by-corridor evaluation tool to help treasury, compliance, and operations teams identify structural gaps.
Table of Contents page listing sections and subsections with page numbers; includes 'The operating environment' and 'The action plan' with roman numeral items and a green gradient footer. Two rounded white article cards on a light background; the top card is titled 'Diverging corridor dynamics' and the bottom card is titled 'Liquidity as a focus for growth', each with a small green left tab, resembling a slide deck layout. Dark green page with the heading 'The action plan'; a prominent section titled '1. Design for corridor depth, not just coverage' and two white rounded cards containing explanatory paragraphs about expanding corridor coverage and building durability through depth. Section header: "2. Building a resilient remittance operation: Speed, compliance and control" with a white rounded information card containing descriptive text, over a green globe network illustration and the Thunes logo in the top-right.