Company: NovaTalento (Fictional)
Industry: Remote Work & Staffing
Use Case: LATAM Contractor Payroll
Product Used: Yativo Card Issuing
Background
NovaTalento is a fast-growing remote staffing platform that connects global startups with top tech talent across Latin America. With over 3,000 contractors in Mexico, Brazil, Chile, and Argentina, one of their biggest operational challenges was paying freelancers efficiently, especially those without access to USD accounts or stable banking infrastructure.
Traditional methods like bank wires and PayPal were slow, expensive, and unreliable. Many contractors preferred to get paid in stablecoins like USDC or USDT, but still needed a simple way to spend those funds online for tools, subscriptions, and personal expenses.
The Challenge
NovaTalento needed a solution that allowed them to:
- ✅ Pay contractors across multiple LATAM countries
- ✅ Fund wallets using USDC or USDT
- ✅ Avoid delays and FX losses from bank transfers
- ✅ Give workers a usable, spendable tool, without requiring a physical card
- ✅ Keep operations compliant, fast, and cost-efficient
They wanted to offer a payroll card, but didn’t want to spend months negotiating with banks or handling compliance internally.
The Solution: Yativo Card Issuing
NovaTalento partnered with Yativo to launch a virtual-only payroll card program across LATAM, powered entirely by stablecoins.
With Yativo Card Issuing, they were able to:
- Instantly issue VISA virtual prepaid cards to each approved contractor
- Fund the cards using NovaTalento’s Yativo USD balance (via USDC/USDT deposits)
- Set spending limits of up to $10,000 USD per card
- Enable online purchases, perfect for tools like AWS, Notion, Figma, or local e-commerce
- Distribute monthly cashback to workers in $TIVO tokens, based on card usage
Contractors could now receive USDC payouts, load funds onto their Yativo card, and spend online, no banks, no delays, and no borders.
Results
Within 60 days of rollout:
- 💳 2,300+ contractors activated their virtual cards
- 🕒 97% reduction in payment delays vs. bank transfers
- 📈 Contractors reported higher satisfaction and retention
- 💰 NovaTalento saved 40% in payout processing fees
- 🎁 Contractors received over $8,000 in $TIVO cashback rewards
What started as a payroll pain point turned into a product feature, contractors now refer friends to NovaTalento just to access the card.
Why It Worked
- Virtual-first approach bypassed LATAM’s banking limitations
- Stablecoin-native funding simplified cross-border payments
- White-labeled experience let NovaTalento own the user journey
- Instant onboarding helped scale fast, without compliance risk
Final Thoughts
For any global platform paying workers or freelancers in LATAM, traditional payroll systems just don’t cut it anymore. With Yativo, NovaTalento was able to turn payroll into a product, one that pays fast, works anywhere online, and rewards users in a way that builds loyalty.
If your company pays remote workers, creators, or vendors in Latin America, it’s time to explore a better solution.
👉 Learn more about Yativo Card Issuing
👉 Talk to our team about launching your own payroll card program
Note:
Novatalento is a fictional entity made up for this article, to show you what can be built on Yativo.