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Remitly Global (RELY) investor relations material
Remitly Global Goldman Sachs Communicopia + Technology Conference 2025 summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Key business highlights
Achieved a defining quarter with 34% growth, 16% EBITDA, and GAAP profitability, maintaining strong momentum despite challenging comps in the second half of the year.
Expanded vision to serve a broader customer base beyond immigrants, including high-dollar senders and micro-businesses, reflecting inbound demand and platform extensibility.
High-dollar sender segment saw record growth, with volume up over 45%, and increased average transaction size, indicating strong organic demand.
Remitly Business launched in the U.S. and U.K., targeting micro-businesses and freelancers, with early adoption showing thousands of new customers and a sixfold higher LTV to CAC ratio compared to consumers.
Continued investment in marketing and network efficiency, leveraging digital channels and platform scale to drive customer acquisition and retention.
Product innovation and roadmap
Announced Remitly One, a membership product offering benefits like Remitly Flex (send now, pay later), Remitly Wallet (multi-currency, stablecoin support), and cash-back incentives, aiming to deepen customer relationships.
Remitly Flex provides a $250 send-now, pay-later feature with high adoption and strong repayment rates, supported by robust risk management and proprietary data.
Credit establishment product will help users build credit history by reporting transaction data to bureaus, addressing a key pain point for cross-border customers.
Remitly Wallet enables USD and soon multi-currency balances, with USDC stablecoin launching to help users in inflation-prone markets hold stable value.
Value-added services for business customers include bulk payouts, scheduled payments, and integration with wallet features, supporting broader financial needs.
Technology, network, and operational strategy
Built global payment rails across 170 countries, with 93% of transactions delivered in under an hour and 97% not requiring customer support.
Stablecoin technology is being used for both customer solutions (stable savings in emerging markets) and internal treasury management, improving FX efficiency and reducing working capital needs.
Ongoing investments in network integrations and payout partners aim to further increase transaction speed and efficiency, building a competitive moat.
AI-driven virtual agents and WhatsApp integration enhance customer support and acquisition, reducing friction and marketing costs.
Focused on balancing growth, profitability, and investment, with deliberate rollout of new products and a long-term view on expanding EBITDA and business durability.
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