How Fuse Network Is Solving Last Mile Payments

Last mile payments refer to the final step in moving money: getting funds from a financial system into the hands of the actual person who needs them. It sounds simple but remains one of the hardest problems in financial services. Fees erode small transfers. Bank accounts are inaccessible to large portions of the global workforce. Payment cards are unavailable in many high-growth markets. And even when the transfer arrives, the recipient often has no easy way to spend it.

Fuse Network has built the infrastructure layer for this problem: a fast, cheap settlement chain purpose-built for payments. For platforms, marketplaces, and businesses with distributed workforces, that means the ability to pay anyone, anywhere, at negligible cost with no banking relationship required on the recipient’s end. Solid, a non-custodial neobank built entirely on Fuse, is the consumer-facing proof that the full stack works end-to-end and is live today.

Why Last Mile Payments Are Still Broken

The core issue is that the global payment system was built for large institutions, not individuals. A few specific problems define last mile payment failures:

Fees that exceed the payment: International wire transfers commonly cost $15 to $30 flat regardless of the amount sent. For a $50 gig worker payout, that can be a 30 to 60 percent fee. Small transfers are often simply not viable through traditional channels.

Limited banking access: Approximately 1.4 billion adults globally remain unbanked. In many of the fastest-growing markets for gig economy work, a large portion of the workforce cannot receive traditional bank transfers at all.

No path to spending: Even when a payment arrives, recipients in many markets have limited access to card infrastructure, making it difficult to spend digital funds in daily life.

Fuse Network addresses all three of these problems with a single integrated stack.

What Fuse Brings to Last Mile Payments

Transaction Fees of $0.0001

At one hundredth of a cent per transaction, Fuse makes even the smallest payment economically viable. A $2 payout to a gig worker carries the same $0.0001 fee as a $2,000 corporate transfer. This is the fee structure that last mile payments require, and it is not available on most blockchains.

2-Second Finality

Payments on Fuse finalize in approximately 2 seconds, meaning workers receive funds in real time and can spend them immediately. There is no waiting period, no pending state, and no multi-day clearing cycle.

Recipients Get Paid in Dollars 

Fuse supports USDC and USDT natively. Recipients receive dollar-pegged value regardless of where they are, eliminating the volatility that has historically made crypto impractical for everyday payments.

Solid: a live product built on Fuse

Infrastructure alone does not solve last mile payments. The person receiving a payout in Manila or Lagos needs an app they can actually use, not a blockchain. That is the gap Solid fills: a non-custodial neobank built entirely on Fuse Network, and Fuse’s own proof of what the stack can deliver at the consumer layer. All of the following features are live today:

Visa card across 49 countries: Solid users receive a non-custodial Visa card powered by Rain that works anywhere Visa is accepted across 49 countries, including key markets in Latin America, Africa, Asia, and the Middle East. Spending draws directly from their onchain stablecoin balance with no bank account required.

Virtual bank account with SWIFT and ACH: Every Solid user has a virtual bank account built into the app that can receive incoming SWIFT international wire transfers and ACH domestic transfers. Employers and platforms that pay in traditional bank transfers can send directly to a Solid user’s virtual account, bridging traditional payment rails into the onchain world.

Yield on idle balances: Stablecoins held in Solid earn yield automatically through the soUSD, soFUSE, and soETH savings vaults. A worker who receives payment on Monday and spends it on Friday earns on that balance in between, turning a payment account into a savings tool.

Borrow against savings to spend: Users access their balance for card spending without pulling funds out of yield-earning positions. Savings keep compounding; borrowed funds are available instantly.

Who Benefits From This Stack

Gig workers and freelancers in emerging markets: Receive stablecoin payments into Solid, earn yield while the balance sits, and spend via Visa card across 49 countries. No traditional bank account required at any step.

Platforms and marketplaces with distributed workforces: Pay workers across dozens of countries at $0.0001 per transaction, with recipients accessing earnings through a full-featured financial app that includes a spending card and virtual bank account.

Cross-border remittance recipients: Anyone currently losing 5 to 10 percent of a transfer to correspondent banking fees can switch to receiving USDC on Fuse through Solid, where fees are negligible and the balance earns yield while waiting to be spent.

Why This Approach Is Different

Most crypto payment projects provide a settlement layer and stop. Fuse owns the complete stack: Fuse Network as the L1, Voltage Finance as the DeFi and liquidity layer, and Solid as Fuse’s own consumer-facing product built on top of it. 

Solid exists both as a standalone neobank and as a live demonstration that the full stack works end-to-end: from stablecoin deposit to yield generation to Visa card spending across 49 countries. 

Other businesses and developers can build their own payment products on the same infrastructure.

Get Started

• Download Solid: app.solid.xyz
• Build payment products on Fuse: console.fuse.io/build
• Developer documentation: docs.fuse.io