Pana Powers Stablecoin Remittances for 200,000+ Users with Alchemy

Pana is a financial app built for digital nomads, remote workers, and immigrants, offering a unified way to receive income into a U.S.-based account and send remittances across Latin America. By leveraging blockchain technology, Pana bridges traditional banking and digital assets, allowing users to receive and manage stablecoins like USDT and USDC seamlessly.

Products used: Node RPC, Gasless Transactions

Results: 200,000+ users in under 6 months, tens of thousands of daily stablecoin transactions

Challenge

Pana processes large volumes of stablecoin transactions for users across the U.S. and Latin America, including deposits, remittances, card funding, and on-chain settlements. These flows depend on high-availability blockchain infrastructure and predictable transaction execution—similar to how a bank depends on payment rails.

As usage grew, Pana faced two critical infrastructure problems:

Blockchain reliability at fintech scale Public RPCs and self-hosted nodes could not provide the uptime, latency, and consistency required for real-money payments. Missed blocks, stale state, or delayed confirmations directly impacted customer balances and settlement timing.

Gas costs breaking the user experience Most of Pana's users are not crypto-native. They receive USDC or USDT as income or remittances and expect it to "just work" like a bank account. Requiring them to hold ETH or pay gas fees made onboarding harder, caused failed transactions, and introduced friction when moving money.

When RPC reliability or gas funding failed, customers experienced:

• Transfers stuck or dropped on-chain
• Delayed remittances to family members
• Card top-ups that didn't complete
• Confusing blockchain errors about gas or failed transactions

For users depending on Pana for rent, groceries, and family support, even a few minutes of delay undermined trust in the product.

Solution

Before using Alchemy, Pana experimented with public RPC providers, self-hosted nodes, and batch relayers with internal transaction queues. These approaches were fragile and operationally heavy. Public RPCs rate-limited traffic during spikes. Self-hosting required constant DevOps maintenance. Gas prefunding added treasury risk and accounting complexity.

Pana chose Alchemy because of its reliability, scalability, and developer-first infrastructure. Alchemy's responsive engineering support allowed them to integrate blockchain capabilities quickly and securely without adding unnecessary complexity.

Pana integrated Alchemy as its primary blockchain infrastructure layer, using Alchemy's high-availability RPC and gasless transaction infrastructure to power all stablecoin flows across its app.

On the infrastructure side, Alchemy's RPC gives Pana a reliable, low-latency connection to Base and Ethereum, allowing the backend to:

• Track deposits and on-chain balances in real time
• Submit and monitor remittance and card-funding transactions
• Reconcile on-chain activity with Pana's internal ledger

This eliminated the instability and rate limits the team faced with public RPCs and removed the operational burden of running their own nodes.

On the user experience side, Alchemy's gas sponsorship lets Pana abstract away blockchain fees entirely. When a user sends USDC, tops up their card, or transfers funds to a bank account, Pana covers the gas automatically through Alchemy. Users never need to hold ETH or understand gas—transactions feel instant and bank-like.

Results

With Alchemy's RPC and gas sponsorship, Pana now supports 200,000+ users and processes tens of thousands of stablecoin transactions daily.

Alchemy's infrastructure reduced:

• Transaction failure rates caused by RPC timeouts or dropped mempool submissions
• Engineering overhead, eliminating the need to run, sync, and monitor blockchain nodes
• Support load, as users no longer get blocked by gas or stuck transactions

Gas sponsorship alone removed one of the biggest conversion killers in crypto: requiring users to hold ETH just to move their own money. As a result, Pana was able to onboard non-crypto-native users at scale, including immigrants and remote workers who had never used a wallet before.

This directly enabled Pana to:

• Offer zero-gas remittances to Latin America
• Operate profitably on thin remittance margins
• Expand into new corridors without adding infrastructure complexity

Working with Alchemy

Alchemy's team was deeply hands-on and responsive, acting more like infrastructure partners than a typical vendor. From early integration to production scaling, our engineers helped Pana optimize RPC performance, configure gas sponsorship, and troubleshoot edge-case transaction failures in real time.

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