In this B2B Vault podcast episode, Allen Kopelman speaks with Joel Miller from The Sky Floor about website strategy, domain ownership, budgeting, SEO, AI tools, ecommerce compliance, and how business owners should approach building or redesigning a website.
Presented by Ran Grushkowsky, Founder & CEO of MassPay
In this episode of B2B Vault: The Biz to Biz Podcast, hosted by Allen Kopelman and sponsored by Nationwide Payment Systems, Allen sits down with Ran Grushkowsky, Founder and CEO of MassPay, to discuss the future of global payouts, real-time Money movement, compliance, stablecoins, Crypto, and B2B payments.
The conversation explores why businesses today need more than just the ability to accept payments — they also need a compliant and efficient way to send money to vendors, contractors, creators, gig workers, suppliers, and global partners. Ran explains how marketplaces, creator platforms, fintechs, and B2B companies are facing growing pressure to offer faster payouts while staying out of regulatory trouble.
A major focus of the episode is compliance. Many businesses do not realize that collecting money from one party and paying another party may create money transmission or money services business concerns. Ran discusses how proper payout structures, FBO accounts, banking partners, KYC, KYB, sanctions screening, and transaction monitoring are critical when moving money domestically or globally.
Allen and Ran also cover the rise of stablecoins and how they may reshape global money movement, especially for B2B transactions and countries with unstable currencies. While crypto and stablecoins create new opportunities, the episode makes it clear that compliance still matters no matter how value moves.
The key takeaway: businesses need to modernize both sides of payments — money coming in and money going out. Real-time payouts, global payment rails, Visa Direct, stablecoins, and compliant payout infrastructure are becoming essential tools for companies that want to compete in the next generation of payments.
Businesses spend a lot of time thinking about how they accept payments.
Credit cards. ACH. Payment links. Invoicing. Online checkout. Recurring billing. Gateways. POS systems.
But there is another side of payments that is becoming just as important:
How businesses send money out.
On this episode of B2B Vault: The Biz to Biz Podcast, hosted by Allen Kopelman and sponsored by Nationwide Payment Systems, we sat down with Ran Grushkowsky, Founder and CEO of MassPay, to talk about the future of global payouts, compliance, real-time payments, crypto, stablecoins, and how businesses can move money around the world without creating unnecessary legal or regulatory risk.
This conversation matters for marketplaces, creator platforms, gig Economy businesses, B2B companies, insurance companies, fintechs, global platforms, and any business that needs to pay contractors, vendors, suppliers, drivers, creators, creators, creators, sellers, users.
Because taking money in is only one part of the payment equation.
Sending money out the right way is where things can get complicated fast.
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For years, business payouts were fairly simple.
In the United States, companies mostly relied on:
But the world has changed.
Today, people expect money to move faster. They want options. They may want to be paid by bank account, card, digital wallet, real-time payment rail, mobile money account, stablecoin, or local payout method depending on where they live.
In the U.S. alone, payout options now include ACH, wires, RTP, FedNow, Zelle, Venmo, push-to-card, and other digital payment rails.
Globally, the situation is even more complex.
Every country has its own banking rules, account formats, mobile money systems, currency issues, compliance requirements, and payment preferences. What works in the United States may not work in Guatemala, Brazil, Argentina, New Zealand, Africa, Europe, or Asia.
That fragmentation is exactly why companies like MassPay exist.
They help businesses simplify payouts through one platform, one API, and a global network that allows companies to send money in a compliant and efficient way.
One of the biggest drivers of payout Innovation is the rise of marketplaces and gig economy platforms.
Think about businesses like:
These businesses do not just collect payments from customers. They also have to pay out money to drivers, creators, contractors, vendors, sellers, or service providers.
And in many cases, fast payouts are not just a back-office function.
They are a competitive advantage.
If one platform pays a driver, creator, or contractor in real time, while another platform takes three to five business days, the faster platform has a major advantage.
For workers and Small Businesses, cash flow matters. People want access to their earnings quickly, especially in today’s economy where more people have side hustles, multiple income streams, and freelance work.
Real-time payouts can help businesses reduce churn, attract better partners, improve user experience, and even create new revenue opportunities through instant payout options.
One of the most important parts of the conversation was compliance.
Many businesses do not realize that when they collect money from one party and send it to another party while taking a fee, they may be entering money transmission territory.
That can create serious regulatory issues.
A business may think:
“We are just a tech platform.”
“We only connect buyers and sellers.”
“We only take a small commission.”
“We are not Western Union.”
But regulators may see it differently.
If your company receives funds from one party and transmits funds to another party, you may be viewed as operating as a money services business, depending on the structure.
That can trigger licensing, registration, anti-money laundering, sanctions screening, KYC, KYB, and transaction monitoring obligations.
And this is where many businesses get into trouble.
A major point from the episode was the importance of staying out of the flow of funds when appropriate.
Ran explained that companies often have two broad options:
An FBO account means “for benefit of.” In simplified terms, funds are held in a bank-owned account for the benefit of the end users, sellers, suppliers, or beneficiaries.
This type of structure can help marketplaces and platforms avoid directly handling customer funds in a way that creates unnecessary money transmission risk.
For many tech platforms, pursuing money transmitter licenses in every state or jurisdiction does not make sense. They are not trying to become Western Union or MoneyGram. They are trying to run a marketplace, platform, or Technology business.
That is why working with the right payout provider, bank sponsor, and compliance framework is so important.
Sending money internationally is not just about pushing a button.
Every country can have different requirements.
A bank in one country may require a local phone number format. Another country may rely heavily on mobile money. Another may need a specific bank code, branch code, wallet identifier, or local account structure.
Even something as simple as the wrong letter or incorrect formatting can cause a payout failure.
And when a traditional wire fails, fees can still apply. In many cases, the money may bounce back through multiple correspondent banks, creating additional cost, delays, and reconciliation headaches.
That is one reason global payout platforms are becoming more valuable.
They help normalize the data, route transactions properly, support local payment rails, monitor failures, and deliver funds through the method that makes sense in that country.
For businesses sending large volumes of payouts, this is not a minor issue.
It affects customer experience, cost, compliance, accounting, reconciliation, and operational efficiency.
Real-time money movement is one of the biggest shifts happening in payments.
Businesses no longer want to wait days for money to move. Contractors do not want to wait. Vendors do not want to wait. Gig workers do not want to wait. Global suppliers do not want to wait.
Ran explained that real-time payouts are becoming a must-have for many businesses.
For some companies, faster payouts help them stay competitive. For others, they can become a revenue generator.
For example, a platform may offer:
Many users will choose instant access because the value of getting money now outweighs the cost.
That creates a new business model around money movement.
While gig economy and marketplace payouts get a lot of attention, B2B payments may be an even larger opportunity.
Businesses move trillions of dollars between suppliers, vendors, manufacturers, wholesalers, professional service firms, international partners, and contractors.
A lot of that money still moves through Legacy systems, including traditional wires and old ERP workflows.
That creates friction.
A company may need to pay a supplier in Europe. The invoice is due in five days. Because a traditional wire can take several days, the business may have to send the payment early. There may be currency conversion issues, bank fees, intermediary fees, timing problems, and uncertainty around the exact amount the supplier will receive.
That is a major pain point.
Modern payout solutions can help businesses send funds faster, track payments more clearly, reduce failed transactions, and improve reconciliation.
For companies that manage thousands of vendor payments, which can be a huge operational upgrade.
Crypto and stablecoins were another major topic in the episode.
Ran made an important distinction:
Crypto and stablecoins are not the same thing.
Crypto assets can fluctuate significantly in value. Stablecoins are designed to represent a stable value, often tied to the U.S. dollar.
For business payments, that stability matters.
Most businesses do not want to send $5,000 and have it worth $4,500 the next day. Businesses need predictability. They need a dollar to act like a dollar.
That is why stablecoins are getting more attention for B2B and global money movement.
In some countries, consumers may also want stablecoins because their local currency is unstable. Holding value in a dollar-backed stablecoin can be a way to protect earnings without having a U.S. bank account.
But even if stablecoins are used to move value, most people and businesses still need fiat currency at the endpoint. They need to buy groceries, pay rent, pay vendors, pay employees, or settle invoices.
That means conversion from stablecoin to local currency remains a key part of the payment flow.
One of the most important takeaways from the crypto discussion is that compliance does not disappear just because the payment method changes.
Whether money moves by ACH, wire, card, wallet, stablecoin, or some future payment rail, businesses still need to know:
Blockchain can actually offer more visibility in some cases because transactions can be reviewed on-chain. Tools from blockchain analytics companies help financial institutions and payout providers screen wallets and monitor risk.
The future of payments may include stablecoins, but the future still includes compliance.
The conversation also explored whether banks will eventually become major custodians of crypto and stablecoins.
Ran’s view was that banks are likely to play a larger role.
Banks already have compliance procedures, Security frameworks, regulatory oversight, and consumer trust. As more banks become comfortable with stablecoins, and as core banking providers support stablecoin functionality, digital asset custody may become more mainstream.
This does not mean crypto-native companies disappear. But it does mean banks may become a larger part of the digital asset ecosystem.
For consumers and businesses, that could create a safer and more familiar environment for holding and moving digital value.
Another interesting part of the conversation was MassPay’s relationship with Visa Direct.
Visa Direct allows money to be pushed to different endpoints, including cards, accounts, wallets, and potentially stablecoin wallets.
This matters because businesses increasingly need access to many payout endpoints around the world.
The old model was simple: send a wire.
The new model is more flexible: send value to the endpoint the recipient actually wants to use.
That could mean:
The future is not one single rail.
The future is orchestration across many rails.
This episode is especially relevant for payment companies, ISOs, fintechs, software platforms, and consultants.
Many payment providers are great at helping merchants accept money.
But many do not have strong payout capabilities.
That can become a problem when serving marketplaces, creator platforms, gig businesses, or global B2B companies.
Some platforms cannot easily serve marketplaces because the payout side creates compliance and banking challenges.
By partnering with companies that specialize in compliant payouts, payment providers may be able to support more complex business models without building the entire infrastructure themselves.
That opens new opportunities for payment companies, SaaS platforms, ISVs, and fintechs that want to support both money-in and money-out.
One of Allen’s key points in the episode was simple:
Businesses need to be very careful when sending money out.
A bank or processor may eventually notice unusual money movement and start asking questions.
Why are you receiving funds from customers and sending them to third parties?
Are you licensed?
Are you registered?
Are you using the right structure?
Are you performing KYC and KYB?
Are you screening transactions?
Are you creating money transmission risk?
These are not small questions.
If a business is moving money incorrectly, the consequences can be serious.
That is why businesses should get advice before launching a marketplace, payout program, creator platform, affiliate network, or global vendor payment system.
The future of payments is not only about accepting money faster.
It is about moving money smarter.
Businesses need flexible, compliant, real-time ways to pay people and companies around the world.
That includes marketplaces, gig platforms, creator platforms, B2B companies, insurance companies, fintechs, software platforms, and global businesses.
The winners will be companies that understand both sides of payments:
Money in. Money out. Compliance all the way through.
As real-time payouts, stablecoins, digital wallets, push-to-card, local payment rails, and global payout networks continue to grow, businesses need to modernize how they manage money movement.
And they need to do it the right way.
MassPay helps businesses send payouts globally through a single platform, single API, and compliant payout infrastructure. The company supports global money movement across multiple payment methods and helps businesses simplify payout operations, compliance, and delivery.
To learn more, visit masspay.io.
B2B Vault: The Biz to Biz Podcast is hosted by Allen Kopelman and sponsored by Nationwide Payment Systems. The podcast features conversations with business leaders, fintech Experts, payment professionals, entrepreneurs, technology companies, and innovators helping businesses grow and operate more efficiently.
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Nationwide Payment Systems helps businesses accept payments, manage invoicing, reduce friction, and access smarter payment technology. From credit card processing and ACH payments to smart invoicing, payment gateways, POS systems, recurring billing, E-Commerce, B2B payments, and high-risk merchant services, Nationwide Payment Systems works with businesses across the United States.
Learn more at nationwidepaymentsystems.com.
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