Woofun AI reports that PhotonPay has launched PhotonPass, a native account-to-account transfer feature designed to accelerate liquidity across global commerce networks. The system supports instant internal transfers involving over 19 fiat currencies and major stablecoins such as USDT and USDC, bypassing legacy correspondent banking rails to achieve same-second finality while reducing intermediary fees and FX exposure.

PhotonPass integrates real-time tracking and automated verification via an AI-driven risk engine, serving as a core component of PhotonPay's broader financial operating system. By connecting global checkout, multi-currency custody wallets, and automated FX modules, the feature consolidates fragmented financial touchpoints into programmable capital flows. Founder and CEO Lewison Chen stated that the launch closes a critical loop in the platform's infrastructure, aligning financial execution speed with modern commerce demands. PhotonPass is now available to all global users.