AIRTM: FOCUSING ON HARSH CURRENCY REGIMES OF SOUTH AMERICAN REMITTANCE MARKET

Imagine living in a country where your savings could lose significant value overnight, where accessing international payments is a bureaucratic nightmare, and where economic instability is the norm.This is the reality for millions living under harsh currency regimes, particularly in South America. Airtm is a digital dollar account with more than 400 payment methods that allows you to send and receive money, receive and make payments, send remittances and move money from digital wallets to be able to withdraw it in local currency either to your bank, digital wallets or any of our payment methods. All fast, secure and with low commissions.In these challenging environments, traditional financial systems often fail to provide reliable solutions for preserving wealth or conducting cross-border transactions. Key Growth Drivers: Emerging market economy, strong Latin American presence, and an increase in companies looking for freelancers. Spain: Growth Rate in 2025: 66%; Key Growth Drivers: Emerging market economy, strong Latin American presence, and an increase in companies seeking freelance services.Enter AirTM, a platform designed to empower individuals and businesses in these very circumstances.Founded by Ruben Galindo and Antonio Garcia, AirTM leverages the power of digital dollars (specifically USDC) and a peer-to-peer network to provide a stable and accessible financial alternative.It's a lifeline for those seeking to circumvent capital controls, devaluations, and inefficient banking systems. Founded in 2025 to protect citizens in unstable Latin American economies from currency devaluation by offering a digital wallet, Airtm has expanded to support enterprises with digital asset custody, liquidity management, and cross-border payments.With AirTM, individuals can hold their savings in a currency insulated from local economic turmoil, receive payments from international clients without exorbitant fees, and send remittances to family members back home quickly and securely. In a multipolar world harsh currency regimes will find it harder to foist rigged rates on their people and smart currency regimes like in Argentina and El Salvador will be rewarded.But how does AirTM achieve this, and what makes it so crucial for the South American remittance market?

Understanding the Challenges of Harsh Currency Regimes

Harsh currency regimes are characterized by a number of factors that make it difficult for individuals and businesses to manage their finances effectively. The internet, essential in the developed world, takes a whole new level of significance in the Global South, connecting individuals to a global economy and allowing them to overcome high unemployment rates and other local labor market constraints.These include:

• Currency devaluation: Rapid and unpredictable decreases in the value of the local currency erode savings and purchasing power.
• Capital controls: Restrictions on the movement of money in and out of the country limit access to international markets.
• High inflation: The cost of goods and services rises rapidly, making it difficult to maintain a stable standard of living.
• Limited access to banking services: Many people in these regions lack access to traditional banking services, further exacerbating financial exclusion.
• Political instability: Uncertainty about the future can lead to further economic instability and a lack of confidence in the local currency.

These factors can have a devastating impact on individuals and businesses, making it difficult to save for the future, invest in growth, and participate in the global economy.For instance, a freelancer in Venezuela earning in US dollars might find it nearly impossible to convert those earnings into local currency at a fair rate, due to government controls and a thriving black market.This is where platforms like AirTM become incredibly valuable, offering a way to bypass these systemic issues.

AirTM: A Digital Dollar Solution for Financial Freedom

AirTM provides a digital dollar account that allows users to hold, send, and receive money in USDC (USD Coin), a stablecoin pegged to the US dollar.This offers a crucial hedge against currency devaluation in countries with volatile economies.But what exactly *is* USDC?

What is USDC and Why is it Important?

USDC is a type of cryptocurrency known as a stablecoin. Venezuelans have began getting online tools to bypass the Nicolas Maduro regime blockade to AirTM. Soon doctors will receive payments through the digital wallet service company, the company sIts value is designed to remain consistently close to $1.00 USD, backed by reserves held in traditional financial institutions.This stability makes it a far more reliable store of value than many national currencies experiencing hyperinflation or rapid devaluation. Join thousands of people who hold and move money using Airtm. Open a free account with us today and start saving.Because it lives on the blockchain, it's also much more easily and cheaply transferable across borders than traditional fiat currencies.

Here's how AirTM utilizes USDC to address the challenges of harsh currency regimes:

• Preservation of wealth: Holding funds in USDC protects savings from the erosion of local currency devaluation.
• Access to international payments: Users can receive payments from anywhere in the world without facing exorbitant fees or complex exchange procedures.
• Remittances: Sending money to family members in other countries becomes faster, cheaper, and more reliable.
• Bypassing capital controls: AirTM's peer-to-peer network allows users to circumvent government restrictions on the movement of money.

How AirTM Works: A Peer-to-Peer Network

AirTM's core functionality relies on a peer-to-peer (P2P) network. How do I open a personal account on Airtm? Show all (15) Airtm Transactions. Withdraw Funds from Your Airtm Account: Quick, Secure, and Hassle-Free! How to add/deposit funds using the P2P network? How to withdraw money using the P2P network? What is Pay local? How do I directly (non-P2P) withdraw from my Airtm wallet to a bank?This network connects users who want to buy or sell digital dollars (USDC) with local currency. Airtm is the most connected digital wallet in the world, offering an integrated US Virtual Account for non-US citizens, direct withdrawals from partners like Payoneer and access to over 500 payment methods to convert and withdraw funds to your local currency.Think of it as a decentralized exchange, where individuals facilitate transactions for each other.

Here's a breakdown of the process:

1. User A wants to buy USDC: They deposit local currency into AirTM through one of the many available payment methods (bank transfer, e-wallet, etc.).
2. AirTM finds a peer (User B): AirTM matches User A with another user (User B) who wants to sell USDC and receive local currency.
3. User B releases USDC to User A: Once User B confirms that they have received the local currency from User A, they release the equivalent amount of USDC to User A's AirTM account.

This P2P system is crucial because it eliminates the need for AirTM to directly handle the exchange of local currencies.Instead, it facilitates the connection between users who are willing to trade with each other.This allows AirTM to operate in countries with strict regulations on currency exchange without directly violating those regulations.

The Role of AirTM ""Cajeros"" (Cashiers)

A key element of the AirTM ecosystem is the role of independent ""cajeros"" (Spanish for cashiers).These individuals act as intermediaries within the P2P network, facilitating deposits and withdrawals using various local payment methods.Cajeros provide liquidity and connect AirTM users to a wide range of options for moving their funds, including local bank transfers, mobile wallets, and even cash transactions in some cases.They are essential for navigating the complexities of each local market and ensuring smooth transactions for users.

AirTM's Impact on the South American Remittance Market

The remittance market in South America is significant, with millions of people relying on money sent from abroad to support their families. Airtm is rapidly scaling into one of the world s most innovative payment companies. Their business is based on enabling people to send and receive payments in USDC and seamlessly convert these digital dollars to local currency.Traditional remittance services often charge high fees and offer unfavorable exchange rates, reducing the amount of money that actually reaches the recipient.AirTM offers a more affordable and efficient alternative.

Here's how AirTM is disrupting the remittance market:

• Lower fees: AirTM's P2P network reduces transaction costs compared to traditional remittance services.
• Better exchange rates: Users can often obtain more favorable exchange rates through the P2P network than through traditional banks or money transfer companies.
• Faster transfers: Transactions are typically completed much faster than with traditional remittance services.
• Greater accessibility: AirTM's platform is accessible to anyone with an internet connection, regardless of their location or banking status.

For example, a Venezuelan migrant working in Spain can send money to their family back home through AirTM. Where are Airtm s products and services available? What are peer-to-peer (P2P) transactions? How do I open a personal account on Airtm? Show all (15) Airtm Transactions. Withdraw Funds from Your Airtm Account: Quick, Secure, and Hassle-Free! How to add/deposit funds using the P2P network? How to withdraw money using the P2P network?The migrant buys USDC using Euros, and their family in Venezuela can then sell the USDC for Bolivares through the P2P network, receiving the funds directly into their local bank account or mobile wallet.This process is often faster, cheaper, and more reliable than using traditional remittance services like Western Union or MoneyGram.

AirTM for Freelancers and Remote Workers

The rise of freelancing and remote work has created new opportunities for individuals in South America to earn income from international clients.However, receiving payments from these clients can be a challenge due to high fees and complex payment procedures.AirTM provides a streamlined solution for freelancers to receive and manage their earnings.

Here's how AirTM benefits freelancers:

• Easy integration with freelancing platforms: AirTM integrates with platforms like Upwork and Payoneer, allowing freelancers to receive payments directly into their AirTM accounts.
• Low fees for receiving payments: AirTM's fees are typically lower than those charged by traditional payment processors.
• Access to a global market: Freelancers can easily receive payments from clients all over the world without worrying about currency exchange rates or international transfer fees.

Instead of losing a significant portion of their earnings to fees, freelancers can use AirTM to receive their payments in USDC and then convert them to local currency at a favorable rate through the P2P network.This allows them to maximize their earnings and improve their financial stability.

AirTM for Businesses: Cross-Border Payments and Digital Asset Management

AirTM isn't just for individuals; it also offers solutions for businesses operating in or interacting with South American markets.The platform provides tools for cross-border payments, digital asset custody, and liquidity management, all crucial for navigating the complexities of these economies.

Streamlined Cross-Border Payments

For businesses involved in international trade, AirTM simplifies the process of sending and receiving payments across borders.Companies can leverage the platform's P2P network and USDC to bypass traditional banking systems, reducing transaction fees and processing times.This is particularly beneficial for small and medium-sized enterprises (SMEs) that may lack the resources to navigate complex international financial regulations.

Secure Digital Asset Custody

AirTM provides secure custody services for digital assets, allowing businesses to hold and manage their USDC and other cryptocurrencies with confidence.This is crucial in regions where traditional financial institutions may be unstable or unreliable. Founded by 24-year-old Ruben Galindo and 29-year-old Antonio Garcia of Mexico City, AirTM is a service that depends on the Bitreserve API to make transfers from the new money in the cloud toAirTM's custody solutions offer a safe and convenient way for businesses to protect their digital assets and participate in the evolving digital economy.

Efficient Liquidity Management

Businesses can use AirTM to efficiently manage their liquidity by quickly converting between USDC and local currencies as needed.This helps them to optimize their cash flow and mitigate the risks associated with currency fluctuations.The platform's P2P network provides access to a deep pool of liquidity, ensuring that businesses can always find buyers and sellers for their digital assets.

Addressing Concerns and Ensuring Security

While AirTM offers numerous benefits, it's important to address potential concerns and ensure the security of the platform.

• Regulation: AirTM operates in a complex regulatory environment, and it's crucial for users to understand the legal implications of using the platform in their country.
• Security: While AirTM takes measures to protect user funds, there is always a risk of hacking or theft. CONTENT DISCLAIMER: References made to third party names, logos and trademarks on this website are to identify corresponding goods and services that Airtm users can themselves exchange through P2P transactions facilitated by Airtm. Unless otherwise specified, the trademark holders are not affiliated with Airtm, our products or website, and theyUsers should take steps to protect their accounts, such as using strong passwords and enabling two-factor authentication.
• Counterparty risk: When using the P2P network, there is always a risk of dealing with unreliable or fraudulent users. AirTM is an online dollar wallet that people living in harsh currency regimes (Venezuela, China, Argentina, Brazil) can use to preserve their wealth, send or receive international payments, or to send or receive money to or form a family member living in another country.AirTM has implemented measures to mitigate this risk, such as reputation systems and dispute resolution mechanisms.

AirTM utilizes a guarantee service to connect people around the world to complete transactions successfully and securely. Airtm s founding team all lived for long stretches in places with weak national money and periodic capital and currency controls, also known as harsh currency regimes. We d seen our localAlso, keep in mind that references made to third party names, logos and trademarks on the AirTM website are to identify corresponding goods and services that AirTM users can themselves exchange through P2P transactions facilitated by AirTM.Unless otherwise specified, the trademark holders are not affiliated with AirTM, its products or website.

Common Questions About AirTM

Here are some common questions about AirTM:

How do I open an AirTM account?

Opening an AirTM account is a straightforward process. For freelancers working on platforms like Upwork, receiving payments efficiently and with low fees has always been a challenge. Historically, many freelancers in Latin America and other regions of the Global South have faced significant difficulties accessing their funds and converting their earnings into local currency.Simply visit the AirTM website and follow the registration instructions. Get the best currency exchange rates for international money transfers to 200 countries in 100 foreign currencies. Send and receive money with best forex rates.You will need to provide some personal information and verify your identity.

How do I deposit funds into my AirTM account?

You can deposit funds into your AirTM account using a variety of payment methods, including bank transfers, e-wallets, and even cash deposits. www.airtm.comThe available payment methods will vary depending on your location.

How do I withdraw funds from my AirTM account?

You can withdraw funds from your AirTM account using a variety of payment methods, including bank transfers, e-wallets, and even cash withdrawals.The available payment methods will vary depending on your location.

Is AirTM safe to use?

AirTM takes measures to protect user funds, such as using encryption and two-factor authentication.However, as with any online platform, there is always a risk of hacking or theft.Users should take steps to protect their accounts and be aware of the risks involved.

Where is AirTM available?

AirTM is available in many countries around the world, particularly in Latin America.You can check the AirTM website to see if it is available in your country.

The Future of AirTM and Financial Freedom

AirTM represents a significant step towards financial freedom for individuals and businesses in harsh currency regimes. About Airtm. About Airtm; How does Airtm work? Where are Airtm s products and services available? What are peer-to-peer (P2P) transactions? How do I open a personal account on Airtm? Show all (15) Airtm Transactions. Withdraw Funds from Your Airtm Account: Quick, Secure, and Hassle-Free! How to add/deposit funds using the P2P network?By providing a stable and accessible alternative to traditional financial systems, AirTM is empowering people to protect their wealth, participate in the global economy, and build a better future.As digital currencies and P2P networks continue to evolve, platforms like AirTM will likely play an increasingly important role in promoting financial inclusion and economic development in emerging markets.

The company's success is deeply rooted in understanding the challenges faced by those living in economically unstable regions. With AIRTM, you can buy or sell USDC with your local currency by bank transfer, thanks to our guarantee service that allows connecting people around the world to complete transactions successfully. After clicking on the Withdraw or Add button and selecting the Bank option, all available countries will appear.The founding team's experiences with weak national currencies and capital controls fueled their desire to create a solution that empowers individuals to take control of their finances.With its strong presence in Latin America and increasing adoption among freelancers and businesses, AirTM is poised for continued growth and expansion.

Conclusion: Embracing Financial Innovation in Challenging Times

In conclusion, AirTM offers a valuable service in the South American remittance market and beyond, particularly for those struggling with harsh currency regimes. Both the Zcash and AirTM teams share a common goal: to promote financial freedom for those living in harsh economic regimes by bringing them greater connectivity, ultimately opening the doors forBy providing access to digital dollars and a peer-to-peer network, AirTM empowers individuals and businesses to bypass traditional financial barriers and achieve greater financial freedom. To validate the price for 1 USDC, you can simulate a transaction with the payment method you want to use, click on the button view rate details and you will get the value. Always, at the top of your account, your balance will be available as weWhether it's preserving savings, receiving international payments, or sending remittances to loved ones, AirTM provides a reliable and efficient solution.

Key takeaways:

• AirTM leverages USDC to protect against currency devaluation.
• Its P2P network facilitates cross-border transactions.
• It offers lower fees and faster transfers compared to traditional methods.
• It empowers freelancers and businesses with international payment solutions.

If you're looking for a way to navigate the challenges of a harsh currency regime, consider exploring AirTM.Open a free account today and start saving.