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In the emerging markets of Southeast Asia, the mismatch between the supply and demand of financial services has given rise to a technological revolution. APACX, a Singaporean fintech company, has constructed a next-generation financial infrastructure through an innovative and compliant financial system to address the pain points of inefficient cross-border payments and insufficient penetration of financial services, and has launched the Philippine Peso Stablecoin PHT, with its technological architecture in the ultimate pursuit of security and compliance.