Key Takeaways PYPL introduces PayPal links for simple money transfers across conversations.U.S. users can soon send crypto like Bitcoin and PYUSD via PayPal and Venmo.Friends-and-family transfers remain exempt from 1099-K reporting on PayPal platforms.PayPal Holdings (PYPL) recently unveiled a new feature called PayPal links, which allows users to send and receive money through a personalized, one-time link that can be shared in any conversation. This feature aims to drive new customer acquisition and bring ...

Remitly Global Inc. (NASDAQ:RELY) is one of the best up and coming stocks with huge upside potential. On September 10, Remitly announced the launch of Remitly One, which is a new all-in-one financial membership. The new membership is available to select eligible US customers for a monthly fee of $9.99 and is designed to help customers manage, move, and grow their money across borders. Broader US availability is expected by the end of the year, with support for additional countries being explored for 2026 ...

Question-and-Answer SessionAll right. I wanted to just kind of kick it off high level with a review of some of the most recent quarter because on the call, you called this a defining quarter and a major inflection point for the company. So I was hoping you could talk about what made you say that. and why you're so excited about what's to come.Matthew OppenheimerCo-Founder, CEO, President & Director Yes. Defining quarter in many ways, Vikas will talk about some of the financials and how solid Q2 was from tha ...

Remitly Global (NasdaqGS:RELY) 2025 Conference September 10, 2025 12:30 PM ET Company ParticipantsMatt Oppenheimer - CEO and Co-founderTien-Tsin Huang - Managing DirectorVikas Mehta - CFOTien-Tsin HuangAll right. We are going to get started. Kicking off the day, we've got Matt Oppenheimer, CEO and co-founder of Remitly, as well as Vikas, who's made a surprise appearance. Thank you for joining us today, Vikas.Vikas MehtaThank you.Tien-Tsin HuangAll right. I wanted to just kinda kick it off high level with a ...

Remitly Global (NasdaqGS:RELY) Update / Briefing September 09, 2025 05:00 PM ET Company ParticipantsMatt Oppenheimer - Co-Founder, CEO & DirectorAnkur Sinha - Chief Product & Technology OfficerMatt OppenheimerGood afternoon. I'm Matt Oppenheimer, Co Founder and CEO of Remitly. Thank you for joining us today in New York and around the world at our first ever product launch event, Remitly Reimagined. Archbishop Desmond Tutu, one of my personal heroes, once said, My humanity is bound up in yours, for we can on ...

财务数据和关键指标变化 - 第二季度收入达4119亿美元 同比增长34% 超出预期2800万美元 [30] - 调整后EBITDA为6400万美元 利润率16% 超出预期1800万美元 [30] - 发送量增长40%至185亿美元 每活跃客户发送量同比增长12% [32] - 活跃客户数达850万 同比增长24% [32] - 交易费用占收入比例34.9% 同比下降175个基点 [37] - 营销支出7980万美元 占收入比例19.4% 同比下降422个基点 [39] 各条业务线数据和关键指标变化 - Remitly Business业务将目标市场规模从2万亿美元扩大至22万亿美元 已吸引数千家企业客户 [9][10] - 企业客户平均交易规模是个人客户的近两倍 客户终身价值是个人客户的六倍 [12] - Remitly One会员计划将于9月推出 包含钱包和Flex两大产品 [13][14] - 钱包产品支持多币种存储 包括法币和稳定币 [14] - Flex产品提供短期流动性解决方案 采用"先发送后付款"模式 [16] 各个市场数据和关键指标变化 - 美国市场收入增长35% 与上季度持平 [34] - 非美国市场收入增长40% 高于整体增速 [34] - 墨西哥市场收入增速超过整体水平 显示市场份额持续提升 [34] - 高额发送客户(单笔超过1000美元)发送量同比增长45% 占比提升300个基点 [35] 公司战略和发展方向和行业竞争 - 通过Remitly Business拓展中小企业市场 计划在英国、加拿大、澳大利亚和欧盟推出 [11] - 推出稳定币计划 包括钱包存储、跨境支付接收和内部资金管理三方面 [20][21][22] - 开发Agentic AI平台 已处理200万次实时客户互动 [23] - 通过WhatsApp等社交平台拓展客户 转化率高于线下客户 [24][25] - 利用1%数字跨境转账税收政策优势 加速线下向线上转移 [31] 管理层对经营环境和未来前景的评论 - 预计2025年全年收入16.1-16.2亿美元 同比增长27-28% [46] - 预计Q3收入4.11-4.13亿美元 同比增长22-23% [45] - 预计全年调整后EBITDA 2.25-2.3亿美元 利润率14% [50] - 预计将实现全年GAAP净利润 [50] - 获得5.5亿美元循环信贷额度 并授权2亿美元股票回购计划 [51] 其他重要信息 - 平台表现优异:93%交易在1小时内完成 97%无需客服介入 系统可用率99.99% [42] - 营销效率提升:每活跃客户获取成本9.38美元 同比下降11% [40] - 遭遇一次欺诈事件 造成380万美元损失 已加强防范措施 [37] - 与Circle和Bridge合作推进稳定币计划 [21][22] 问答环节所有的提问和回答 产品推出时间表和盈利影响 - Remitly Business已在美国推出 计划扩展至英国等市场 [55] - Remitly One将于9月推出 包含现有产品和新功能 [56] - 新产品不会显著改变营销支出结构 已纳入全年指引 [57][59] 钱包产品战略 - 钱包面向现有850万用户和新用户 特别是跨国流动人群 [63][64] - 会员计划将提供利息奖励等额外福利 [73][74] - 商业模式与现有业务相似 但可能通过利息收入等增加收益 [76][77] 稳定币战略 - 满足新兴市场客户对稳定价值存储的需求 [68][69] - 通过现有基础设施提供稳定币支付选项 [70][71] - 经济模型与法币业务相似 但可能通过资金管理获得额外收益 [76][93] 企业业务竞争格局 - 聚焦小微企业和自由职业者细分市场 提供可靠快速服务 [81][82] - 计划逐步增加功能 向更大规模企业扩展 [83] 营销和财务指引 - 营销效率保持高位 LTV/CAC达6倍 [88] - 下半年营销支出将增加 支持新产品推广 [89] - 业绩超预期主要来自核心业务 新产品贡献尚小 [87]