"Which digital payment tool is the best?” It is one of the questions I get asked most often whenever I talk about digital payments, fintech and international banking.
Wise? PayPal? Payoneer? Sendana? Wam? Your local bank?
My answer is that there is no single “best” digital payment tool. You need a payment stack.
My payment stack has evolved alongside my business and my life. I operate a digital business with international clients, earn in different currencies, live in Thailand, send money to family overseas, and travel regularly. No single financial institution can efficiently handle everything I need.
The objective is not to collect financial apps. It is to build an interconnected financial infrastructure where money can be received through one platform, moved to another, and accessed wherever I need it.
