Rizoma, a fintech with offices in Canada and Germany, wants to give seafarers and migrant workers faster, fairer access to their wages. By integrating Portal’s embedded wallet infrastructure, Rizoma allows for cross-border salary advances and remittances in USDC, eliminating high fees and settlement delays that traditionally burden this workforce.

The Challenge

Rizoma serves a unique customer base, including commercial shipping crews, construction workers, and other blue-collar workers; these workers are often based in countries like the Philippines, Sri Lanka, India, and Bangladesh. They rely on fast access to their earnings, but traditional banking systems often fall short due to long processing times for international payments, high FX conversion fees, and limited banking access for many end users.

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Rizoma set out to change this situation with a mobile-first earned wage access platform, starting with salary disbursements and expanding into earned wages and credit access.

The Solution: Stablecoin Infrastructure via Portal

Rizoma chose Portal after evaluating other providers thanks to its developer-friendly SDKs, multi-chain flexibility, and deep focus on stablecoin use cases. To make their vision possible, Rizoma needed non-custodial wallets that could:

• Support USDC payouts across multiple chains
  
• Enable wallet creation and transaction management via API
  
• Integrate seamlessly into a React Native mobile app
• Offer low-fee options like Solana Fee Payer support
• Enable real-time approvals via Alert Webhooks

Results

Rizoma’s users now have:

• Near-instant access to their earned wages
  
• Lower remittance costs
  
• Secure self-custody of funds
  
• A better financial experience, without needing a traditional bank or an exchange house
  

Rizoma proves that stablecoins and embedded wallets aren’t just future-facing—they’re production-ready today. Rizoma’s next chapter is just getting started, and Portal is proud to be part of it.

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For more information about Rizoma, visit rizoma.app. To try Portal for free, click here.