BiyaPay Strategic Upgrade: Building a Next-Gen Digital Finance Platform

November 5, 2025

Today, leading fintech platform BiyaPay officially unveiled its next-phase strategic blueprint, aimed at constructing a new platform that seamlessly connects traditional finance with the digital asset ecosystem. The core objective of this strategic upgrade is to enable users to more freely exercise rights related to wealth mobility, investment, and returns within a compliant and secure environment, marking BiyaPay’s profound transformation from a mere trading tool to a comprehensive financial services platform.

With the rapid development of the financial industry, BiyaPay has become a benchmark for Neobank development in the Asian market, redefining the boundaries of asset management and mobility through its innovative digital services, ongoing compliance efforts, and flexible cross-asset integration capabilities. The platform is committed to providing convenient, secure, and efficient financial services to meet the growing and diverse financial needs of global users.

Four Core Pillars: Empowering User Wealth Growth

BiyaPay’s strategy will revolve around four core pillars:

• Deepening Compliance and Security Foundations: BiyaPay will continue to strengthen its role as a financial infrastructure regulated in multiple countries, advancing the platform towards becoming a compliant and secure global digital Neobank. Beyond its existing licensing framework, the platform has initiated applications for key licenses in several countries, including US broker-dealer licenses and Money Transmitter Licenses (MTL), laying a solid compliance foundation for future entry into broader markets.
• Enhancing Efficiency and Inclusive Access: As a Neobank platform, BiyaPay is committed to making cross-border payments and multi-asset trading simpler and more economical by continuously optimizing fee structures, settlement speed, and exchange rate transparency. This ensures that both seasoned investors and novice users can access global market opportunities with low barriers.
• Expanding Connectivity and Integration Boundaries: BiyaPay is dedicated to building a truly integrated account system, enabling users to seamlessly manage diverse assets, including digital currencies, US stocks, and Hong Kong stocks. The platform not only provides trading and asset management services but also helps users achieve wealth growth through smart investment tools and wealth planning features.
• Comprehensive AI Technology Integration: BiyaPay deeply applies artificial intelligence in two key areas: on the product experience front, it launched an AI investment research assistant, providing users with market analysis, asset allocation suggestions, and risk insights; on the technical development front, it widely adopts AI-assisted development to enhance code quality, accelerate product iteration, and strengthen system security, enabling the platform’s capabilities for continuous self-evolution.

Building a Future-Oriented Technical Infrastructure

BiyaPay’s next phase of development includes three key paths:

1. Compliance Layer: It will steadily advance the acquisition of relevant US broker-dealer qualifications and state-level MTLs, continuously expanding serviceable regions and scenarios to reduce institutional friction and uncertainty for users in cross-border and cross-market investments.
2. Infrastructure Layer: Planned for 2026, BiyaPay will launch its own high-performance chain (with TPS up to 200,000) and a cross-chain bridge, supporting 7x24 spot and leveraged trading of tokenized US stocks on-chain. This ensures unified account settlement, verifiable clearing, and multi-chain asset interoperability, providing a scalable operating environment for subsequent functions.
3. Trading Layer: BiyaPay will launch a Decentralized Exchange (DEX), conducting on-chain matching and aggregated routing in a compliant manner. In collaboration with market makers and clearing & settlement partners, it aims to create a complete closed loop for “capital flow -> investment execution -> returns distribution”.

Recent Initiatives: “Bi-Monthly Upgrade”

Strategy implementation begins now. BiyaPay has entered a “Bi-Monthly Upgrade Period,” releasing numerous improvements at a steady pace, with several new features expected to launch within the next two months. A series of functions designed to enhance security, inclusivity, and connectivity are being rolled out sequentially:

• Backend Optimizations: The platform will further strengthen institutional verification (KYB) and institutional-grade risk control, improve the traceability of transactions and clearing, and optimize latency and system reliability under high concurrency.
• Experience Enhancements: BiyaPay will launch a Web-based trading module, continuously optimizing the trading experience for professional users by enhancing market depth, K-line chart interaction, and improving order placement paths and fund transfer processes. Furthermore, the upcoming US stock fractional share trading and scheduled investment features in November will further lower the investment barrier for users, allowing more users easy access to global markets.

These updates will help BiyaPay expand its B2B and professional user base, making account management clearer and trade execution more controllable, thereby further solidifying the foundation for the platform’s long-term development.

BiyaPay: A Leading Neobank Case in Asia

BiyaPay’s successful practice demonstrates that the Neobank model can achieve breakthroughs in Asia’s rapidly developing financial market. BiyaPay connects all aspects of asset management through its digital platform, enabling cross-market allocation and returns management of global assets. The platform not only meets basic needs like cross-border payments and US/Hong Kong stock trading, but will also provide advanced wealth management functions such as AI-powered investment advisory and scheduled investment plans through innovative AI technology, comprehensively enhancing the user wealth management experience.

As a comprehensive Neobank platform, BiyaPay seamlessly integrates traditional finance with digital asset trading, helping global users achieve efficient and transparent wealth management, signifying the successful application and future direction of the digital Neobank model.

CEO Barton on the Future

“We firmly believe that the future of finance lies in openness, integration, and autonomy,” said BiyaPay CEO Barton. “Our role is not just to provide products, but to act as a trusted financial partner for our users. Through technological innovation and compliance building, we provide users with a low-friction, high-transparency financial services platform, empowering them to manage global wealth with confidence.”

About BiyaPay

BiyaPay is a globally leading fintech platform, holding financial licenses in multiple countries and regions including the United States, Canada, and New Zealand. It provides global users with multi-asset trading services such as cross-border payments, US and Hong Kong stock trading, and digital currency spot/contract trading. As a Neobank platform, BiyaPay is committed to providing integrated, low-friction financial services for global users, helping them overcome market barriers at low cost to achieve global asset allocation and return management.

Risk and Compliance Disclosure

BiyaPay’s products and services are subject to local laws and regulations; specific availability varies by region. This document does not constitute any investment advice. Trading carries risks, and users should fully understand the relevant product features and fee structures.

To facilitate follow-up by media and partners, BiyaPay will simultaneously release a visualized roadmap and FAQs, and arrange thematic briefings on external technology and compliance progress. Users can obtain the latest function descriptions, risk disclosures, and availability information through official channels.