Align

TLDR

Align is a developer-first payments infrastructure platform that lets businesses send, receive, and orchestrate stablecoins across more than eight blockchains—Solana included—while also connecting to the traditional banking system through SEPA, ACH, SWIFT, FPS, and other major fiat rails. Founded in 2023 and backed by Alliance, Gnosis, and IOSG Ventures, Align positions itself as the missing layer between on-chain liquidity and real-world commercial payments. Its single API replaces a fragmented stack of banking relationships, bridging solutions, and currency conversion providers.

The Problem Align Solves

Traditional cross-border payments remain anchored to infrastructure built in 1977. Wire transfers take two to four business days. Foreign exchange markups are opaque. Businesses that want to add stablecoin settlement must independently integrate on-ramp providers, bridge protocols, and local disbursement rails in each jurisdiction—a process that can take months and significant legal overhead.

Align's argument is that neither the crypto ecosystem nor the legacy banking world has cracked the full-stack problem on its own. Stablecoin liquidity exists on-chain but lacks clean fiat exits. Traditional fintech offers local rails but no on-chain leg. Align stitches both together through a single API with integrated compliance workflows.

Core Products

Fiat-to-Stablecoin On-Ramp Businesses deposit fiat into Align-issued named Virtual IBANs using standard bank transfer methods: ACH and FedWire for USD, SEPA Instant and SEPA Credit for EUR, Faster Payments for GBP, and IPP/UAEFTS for AED. Align converts the incoming funds to USDC or USDT and credits them to the destination blockchain address of choice. More than 60 fiat currencies are supported, with additional currencies added on request through the sales team.

Stablecoin-to-Fiat Off-Ramp The reverse flow works symmetrically. Businesses send USDC or USDT to an Align-designated address, specify the target fiat currency and destination bank account, and Align handles conversion and disbursement over the same local rails—USD via ACH/FedWire/SWIFT, EUR via SEPA, GBP via Faster Payments, AED via UAEFTS.

Cross-Chain Stablecoin Transfers Align abstracts multi-chain bridging into a single API call. A business that receives USDT on Tron and needs USDC on Ethereum can instruct Align to handle the entire bridging and swap process without managing bridge contracts, slippage, or gas on multiple networks. Supported networks span Ethereum, Polygon, Base, Arbitrum, Optimism, Avalanche, Tron, and Solana.

Stablecoin Orchestration The most distinctive product is Align's programmable treasury layer. Businesses define rules—for example, "if inbound USDC on Solana exceeds a threshold, convert to USD and wire to the target account"—and Align executes them automatically on each triggering on-chain event. Features include:

• Auto-rebalancing across wallets and exchanges
• Programmable sweep and conversion triggers
• A policy engine for spending limits and multi-party approval workflows
• Gas abstraction so treasury operators never manage native tokens manually

The orchestration layer targets companies whose payment flows are complex enough that manual treasury management creates operational risk: e-commerce platforms reconciling multi-currency revenue, logistics operators paying carriers in local currencies, import/export businesses bridging AED and EUR invoices, and payroll providers disbursing to global contractors.

Solana Integration

Solana is a first-class supported network within Align's multi-chain stack. USDC and USDT on Solana can be used as both source and destination for on-ramp, off-ramp, and cross-chain transfer operations. The stablecoin orchestration engine also supports Solana-native wallets as trigger addresses, meaning businesses already operating on Solana can wire Align's treasury rules directly into existing on-chain workflows without migrating assets to an EVM chain first.

Align's selection of Solana alongside EVM chains reflects the network's growing share of stablecoin volume. Solana processed over one trillion dollars in stablecoin volume in 2025, making it a practical settlement layer for high-throughput commercial flows that benefit from Solana's low fees and sub-second finality.

Named Virtual IBANs

A standout feature is Align's use of named Virtual IBANs rather than pooled accounts. When a business collects fiat payments, counterparties see the business's own name on every incoming transfer rather than a generic payment processor name. This matters for enterprise clients whose counterparties conduct beneficiary verification checks, and for payroll and B2B contexts where payment transparency is a compliance or contractual requirement.

Compliance and Regulation

Align's regulatory posture is a core part of the pitch. The platform is regulated in both Canada and the European Union. Integrated KYC and AML workflows mean businesses using the API do not need to independently build compliance screening for their stablecoin payment flows. The platform generates MT103 certificates for SWIFT transfers, required for many institutional and trade-finance use cases. Real-time reconciliation data and automated settlement reporting are built into the API response layer.

Developer Experience and Pricing

Align is positioned as API-first with a REST API, real-time webhook notifications, quote-based cross-chain transfer flows, and a policy engine exposed via structured rule definitions. Self-serve onboarding is available. Pricing is freemium: a free tier is available, with paid plans unlocking higher throughput and additional features.

Team and Backing

Align Labs was founded in 2023. The company has received backing from Alliance (a Solana-focused accelerator and fund), Gnosis (the decentralized infrastructure group behind Gnosis Chain and Gnosis Pay), and IOSG Ventures. The combination of Solana-native and EVM-focused investors reflects Align's multi-chain positioning.

No Native Token

Align does not issue a native protocol token. The platform operates as a B2B infrastructure service, and revenue derives from transaction fees and API access rather than token mechanics. USDC, USDT, and EURC are the stablecoins processed through the system.

Why Align Fits the Current Moment

The stablecoin payment infrastructure market is expanding rapidly as businesses seek to bypass the cost and latency of legacy cross-border rails without managing multi-chain wallets in-house. Align occupies a specific niche: not a consumer wallet, not a DEX or bridge, but a backend payment API embedded into existing financial operations. Its regulated status, named IBAN feature, and cross-chain abstraction layer address the compliance and operational objections that have historically slowed stablecoin adoption in commercial contexts.

For Solana ecosystem projects and businesses already settled on the network's stablecoin infrastructure, Align provides a direct path to fiat settlement and global collection without the overhead of managing separate banking integrations or bridging solutions.