Soulbit Academy author
Founder and CEO of Soulbit
Erika Sandoval is Soulbit's founder and CEO. She writes about stablecoin business payments, digital treasury and crypto-fiat operations in Latin America.
From her role leading Soulbit, Erika examines how Latin American businesses can organize international collections, convert between stablecoins and local currency, manage treasury and distribute payments to teams and contractors. This operational view connects payment technology with the decisions finance teams make every day.
On LinkedIn, Erika describes a career in financial markets. Her profile also lists studies at Universidad Católica Andrés Bello between 2000 and 2005, along with financial advisory, management consulting and technology services.
View her professional profile on LinkedIn ↗Cross-border collections, payment links, QR codes and stablecoin payroll distribution, with attention to business operations and recipients.
Managing stablecoin balances, institutional custody, OTC conversion and access to local currency through banking rails.
Rules affecting businesses and crypto-asset service providers, transaction records and compliance controls.
Thousands of families paying tuition every month across three countries, and sixty freelance tutors waiting on the other side. This illustrative case shows how an edtech ordered bulk collection from students and monthly mass disbursement to its tutor network.
A recurring B2B payment is not always an automatic charge. With a payment link or QR code reissued every cycle, a company collects in stablecoin without bank debit authorization, in exchange for one extra step the client repeats each period.
Chile has no single crypto law. The Fintech Law routes registration through the CMF, the UAF requires anti-money-laundering controls, and the SII taxes gains and now demands specific filings.
The real split in B2B stablecoin adoption in Latin America is not by country or sector: it is by company size. Whoever feels the friction most goes first.
Whoever requests a payment should not be the one who approves it, and whoever approves it should not be the one who sends it. This guide shows how to design that chain with a limit matrix.
What sanctions lists are, why any financial intermediary is legally required to screen the parties of a payment against them, and what an SMB can do so a false positive does not hold up a legitimate wire.
An illustrative Peruvian consultancy wins a London contract and has to decide the invoice currency, the collection method, the tax treatment and what to do with the GBP balance before paying its own team.
Getting paid in GBP is not the same as getting paid in dollars: the pair is thinner, most Latin American countries publish no official GBP rate, and market hours matter.
The UK does not apply MiCA. It is building its own stablecoin regime, with the FCA and the Bank of England splitting oversight and a timeline that runs through 2027.
A blockchain network fee is not a percentage of the amount sent. It moves with congestion, transaction complexity and timing. Here is the full cost stack behind an on-chain payment, built for a US finance team paying LATAM.
What KYT is versus KYC and KYB, which signals a payment monitoring engine screens on every transaction, and what a finance team can do to keep payments moving.
A guide for a foreign finance team employing staff in Colombia: how vacation pay, severance, the service bonus and work uniforms accrue while a contract is active, and how to book them monthly.