Crypto Payment Solutions

Rain operates a B2B infrastructure platform for stablecoin-linked Visa card issuance, letting fintech companies and developers issue branded prepaid cards funded directly from stablecoin wallets. The platform supports both custodial and non-custodial configurations across multiple blockchains. In May 2025, Rain added native Solana support, making it the only Visa Principal Member offering multi-chain card issuance via a single API. The Solana project KAST was among the first to deploy, issuing cards linked to users' Solana wallets for real-time spending at any Visa-accepting merchant. On the consumer side, Rain became the first Bahraini crypto platform with in-app BenefitPay checkout in May 2026, letting users purchase crypto directly through Bahrain's national payment network without leaving the app. Holding a CBB Category 3 license, ADGM Financial Services Permission, and in-principle VARA approval, Rain pairs its expanding payment products with multi-jurisdictional regulatory coverage across the MENA region.

GoPay is a regulated Central European payment gateway that enables merchants to accept Solana at checkout alongside cards, digital wallets, and bank transfers. Licensed by the Czech National Bank and National Bank of Belgium under PSD2, it converts SOL to Czech crowns or euros in real time, so merchants carry no exchange-rate risk and never manage wallets or on-chain addresses directly. PCI DSS Level 1 certified since 2015, GoPay embeds crypto acceptance into a fully regulated payment stack serving more than 55 payment methods across 19 languages. For Solana holders in Central Europe, GoPay-enabled checkouts are one of the few regulated paths to spend SOL with real merchants without converting to fiat first. Integration is available via REST API and ready-made plugins for PrestaShop, Magento, and OpenCart. With more than 19,000 active merchants across the Czech Republic, Slovakia, Poland, and Hungary, GoPay gives SOL tangible real-world spending reach through a licensed payment layer that handles compliance, conversion, and settlement end to end.

Brex is a corporate financial platform that provides companies a Mastercard-based corporate card accepted in more than 50 countries with no foreign-transaction fees, alongside bill pay and expense management tools. On September 30, 2025, Brex introduced native stablecoin payments using USDC, becoming the first global corporate card platform to enable businesses to send and receive stablecoins and pay card balances directly with stablecoins. The stablecoin payments layer is built with Solana as a primary settlement rail, allowing transactions to settle in seconds around the clock with zero conversion fees. For companies in the Solana ecosystem, the integration means USDC held on-chain can be used directly for business expenses and vendor payments without converting to fiat, eliminating the friction of traditional banking-hours-constrained wire transfers.

Visa's stablecoin-linked card programs allow consumers to hold stablecoin balances in fintech-issued wallets and spend them directly at any Visa-accepting merchant worldwide. More than 130 such programs now operate across 50+ countries, supporting stablecoins including USDC, EURC, PYUSD, and USDG. This extends stablecoins beyond a back-end settlement instrument into a full-stack payment medium available at point of sale globally. On the institutional side, Visa's bank partners settle card network obligations in USDC over Solana and eight other supported blockchains. Continuous settlement availability means banks are no longer constrained to the five-day banking calendar, enabling faster fund movement and reduced liquidity costs. The consumer card experience is unchanged; the stablecoin layer is a back-end function invisible to cardholders at the point of purchase.

ONE.io is a UK-headquartered financial services platform founded in 2017 that bridges traditional finance and crypto for businesses in high-risk or underserved sectors. Its two product lines — ONE.io Connect and ONE.io Fusion — combine multi-currency business accounts with crypto trading and payment processing capabilities. ONE.io Connect provides GBP, USD, and EUR business accounts with IBAN, UK Sort Code, and Account Number, supporting Faster Payments (up to GBP 250K within 20 minutes), CHAPS, SEPA, SEPA Instant, and SWIFT. ONE.io Fusion adds automated crypto trading across 20+ digital assets, a 24/7 OTC desk, and a crypto payment gateway with API-based deposit, withdrawal, and balance queries. In May 2025, ONE Gateway launched in partnership with BoomFi, offering pay links, checkout embeds, invoices, recurring billing, and automated crypto-to-fiat conversion into EUR, GBP, or USD IBAN accounts.

Decal is a stablecoin payments platform on Solana that enables brick-and-mortar and e-commerce merchants to accept digital dollar payments through existing point-of-sale infrastructure, starting with Square devices. Merchants pay a flat 1% processing fee versus the traditional 3–3.5%, with settlement completing in seconds on Solana. Customers pay by scanning a QR code and selecting from supported stablecoins — USDC, USDT, PYUSD, USDG, and USDS — with no app download or account creation required. A stored-value loyalty program lets customers preload funds earning 6–8.1% APY, with yield funding rewards rather than cutting merchant margins. Decal has processed $4.1M+ across 42,000+ completed payments from live deployments and was accepted into Colosseum Accelerator Cohort 3, one of 10 projects selected from over 1,400 submissions.

BlockBee is a non-custodial cryptocurrency payment processor that enables businesses to accept digital asset payments with funds forwarded directly to the merchant's own wallet — BlockBee never holds funds in custody. Founded in September 2022 as an enterprise successor to CryptAPI, the platform processed over $100M for 10,000+ merchants globally by January 2026. Merchants integrate via RESTful API, hosted checkout pages, payment links, POS QR codes, or e-commerce plugins for WooCommerce, Shopify, Magento, OpenCart, PrestaShop, and WHMCS. The platform supports 100+ cryptocurrencies including SOL and Solana-based USDC, with live fiat conversion across 33+ currencies and fees ranging from 0.25% to 1% per transaction with no setup or monthly charges.

DashX is a multi-chain crypto payment platform that lets merchants and businesses accept cryptocurrency through a non-custodial payment gateway while settling directly to their own wallets. The DashX Gateway API integrates with more than 40 blockchain networks including Solana, Ethereum, Arbitrum, and Base, enabling merchants to generate hosted payment links or embed crypto checkout into their own applications via a REST API and Merchant ID authentication. The platform supports one-time and recurring subscription payments in USDC. Merchants receive funds directly to their wallets without DashX taking custody at any point, while webhook notifications signed with HMAC-SHA256 keep merchant backends informed of payment status in real time. For Solana-based businesses, DashX offers a low-fee path to accepting global stablecoin payments with near-instant settlement finality alongside a structured developer integration path.

Bitzaro is an EU-licensed Virtual Asset Service Provider (VASP) founded in 2023 in Czech Republic that bundles fiat-to-crypto conversion, an MPC wallet layer, a crypto invoicing system, and a Visa prepaid card into one integrated platform. The REST API ships a payment widget compatible with HTML, React, Svelte, Angular, and Vue, secured by x-signature authentication. InstaInvoice enables businesses to send USDT invoices across TRC-20, BEP-20, and ERC-20 networks without writing code, while the Bitzaro Card is a Visa prepaid card spendable at 40 million merchants globally. The platform supports nine digital assets across more than twenty blockchains including Solana, and is listed under On/Off Ramps on DappRadar.

Blockchain.com, founded in 2011 as the world's first Bitcoin blockchain explorer, has processed over $1.1 trillion in cumulative transaction volume across 200+ countries for its 95 million wallet users. Its BCPay feature enables instant funding of the non-custodial DeFi Wallet from a custodial account, and the platform supports integrated buy, sell, and swap functionality with maker fees as low as 0.00% and taker fees starting at 0.06%. The non-custodial DeFi Wallet supports 5,700+ tradable assets across multiple chains and connects directly to DeFi apps, including Solana-native protocols. In July 2026, Blockchain.com partnered with Polymarket for prediction market access, broadening its transaction platform reach. The company has maintained zero customer fund losses across its 15-year history and has reported three consecutive years of adjusted profitability.

CryptoPay is a non-custodial cryptocurrency payment gateway for WordPress and WooCommerce merchants. Payments travel directly from a buyer's wallet to a merchant's wallet upon on-chain confirmation, with no intermediary touching the funds. BeycanPress charges no commission; only standard network fees apply, and the plugin handles real-time fiat-to-crypto conversion so merchants can price products in fiat and let CryptoPay calculate the equivalent crypto amount at checkout. Out of the box, CryptoPay supports all EVM-compatible networks including Ethereum, BNB Chain, Polygon, Avalanche, Arbitrum, Base, and Optimism. Support for Solana (including all SPL tokens), Bitcoin, Tron, TON, XRP Ledger, and Sui is available through separate network add-ons. Customers connect via MetaMask, Phantom, Trust Wallet, Coinbase Wallet, or any WalletConnect-compatible wallet, with mobile browser and QR code fallback support included.

Day1X was an Australian cryptocurrency exchange based in Melbourne, founded in 2021 by Phil Horner and David Swinden — the co-founders of Fusion Markets, a forex and CFD broker reportedly processing $100 billion in monthly forex volume across 180+ countries. The platform positioned itself as the lowest-fee option for Australian retail traders under the tagline "More Crypto For Less," charging a flat 0.1% trading fee with no deposit or withdrawal charges. Day1X supported 10 digital assets including a SOL/AUD pair alongside BTC, ETH, USDT, USDC, XRP, BNB, ADA, AVAX, and LINK, with four order types: market, limit, stop, and stop-limit. Deposit methods included Visa, Mastercard, bank wire, PayID, and crypto transfers, with fiat withdrawals processed same-day before 11am AEST. AUSTRAC registered (ACN 656 508 815), the exchange announced its closure in March 2026 and entered withdrawal-only mode on April 6, 2026, with its website going offline on May 8, 2026.

Altitude is a financial operating system built by Squads that enables businesses to send and receive payments globally through stablecoin rails and licensed payment service provider integrations. Outgoing payments route over ACH, SEPA, Wire, and SWIFT through partners Bridge, MoonPay, Infinite, and Due, covering 150-plus countries, while stablecoin transfers are supported across Solana, Ethereum Mainnet, Base, Avalanche, and Tempo. The platform's 24/7 settlement model eliminates the business-hours constraints of traditional interbank clearing, with full transaction history recorded on-chain for auditability. Since its December 2025 launch, Altitude has processed more than $200 million in payments for exporters, global agencies, crypto-native companies, and cross-border remote teams, including Solana ecosystem partners Metaplex, Jupiter, Kamino, and MetaDAO.

Multisender.app is a batch payment tool that compresses the distribution of SOL and SPL tokens to hundreds or thousands of wallet addresses into a single validated workflow. Users connect a Solana wallet, upload a recipient list with corresponding amounts, and Multisender batches the transfers into optimally sized transactions that respect Solana's per-transaction constraints — turning what would otherwise require thousands of individual sends into a small number of signed operations. Three distribution modes cover distinct payment scenarios: Classic Multisender, where the sender covers all fees and recipients receive tokens immediately; Massdrop Multisender, where recipients pay their own claiming costs to reduce upfront sender expense; and NFT Multisender for bulk non-fungible token distributions. The platform has processed over $798 million in total volume across 85,000-plus transactions, serving airdrops, staking reward payouts, DAO contributor compensation, gaming token distributions, and team vesting releases on Solana and 52-plus other networks.

Router Protocol includes Router Pay, a dedicated payment layer with cross-chain settlement capability. The product handles payments that require moving value across blockchains in a single flow using the Open Graph Architecture's multi-chain routing infrastructure. In February 2025, Router Pay expanded to include CEX withdrawal functionality, and Router Nitro added similar capability in March 2025. The OGA infrastructure supports cross-chain payment flows by discovering optimized paths across more than 100 routes connecting 30+ chains including Solana. Router's Hyperliquid integration directed transaction fees toward ROUTE token repurchases distributed to stakers, illustrating a fee-routing use case built on the same settlement layer. The platform targets 99.5% settlement reliability and sub-10 basis point execution costs.

Request Network is a non-custodial, open-source payment protocol that enables businesses and individuals to send and receive cryptocurrency payments directly between wallets without relying on intermediaries. It has processed over $1 billion in on-chain transaction volume across more than 3,000 companies, charging fees starting at 0.25% compared to up to 2.9% for traditional payment processors. The protocol handles cross-chain token routing automatically, allowing payers to use any supported stablecoin while recipients receive their preferred currency — covering approximately 95% of global stablecoin supply. Payment context is attached directly to transactions for automatic reconciliation and auditable on-chain records. Request Finance, the application built on top of the protocol, processed over $254 million in on-chain invoices as of late 2025, with multi-chain expansion including Solana announced for 2026.

ZARP brings the South African Rand on-chain as a fully collateralized, 1:1 pegged stablecoin, enabling merchants and individuals to send or receive rand-denominated value without bank intermediaries, SWIFT delays, or high settlement fees. Solana's low per-transaction costs make it particularly suitable for small rand-denominated payments where Ethereum fees would be prohibitive. Three South African issuing partners—AFRIDAX, ChainEX, and OVEX—provide fiat on- and off-ramps, allowing users to acquire and redeem ZARP directly for rand through regulated trading pairs. Liquidity on Orca and the Jupiter aggregator ensures ZARP is composable across Solana's payment and DeFi ecosystem, making it a practical settlement layer for merchant and consumer payment flows.

AUDD enables fast, regulated Australian dollar payments across blockchain networks, settling in seconds compared to the one-to-four business day delays of traditional bank transfers. As an SPL token on Solana, AUDD integrates with on-chain payment rails and wallets, providing a compliance-auditable AUD settlement layer for both individual and enterprise transactions without requiring counterparties to absorb foreign exchange risk. Issued under ASIC oversight and Australian Financial Services Licence No. 700123, AUDD carries the regulatory credentials required by institutional payment counterparties. A 0.20% redemption fee and no management or performance fees make it cost-competitive with traditional payment infrastructure, and its deployment across eight blockchains—including Solana, Ethereum, Stellar, and XRP Ledger—maximizes interoperability for AUD payment corridors.

XPlace is a non-custodial crypto credit card built on Solana that lets users borrow USDC against deposited collateral and spend it at any Visa-accepting merchant in over 160 countries, without selling their underlying crypto holdings. The Visa card integrates with Apple Pay and Google Pay, with virtual card access activated immediately on approval and physical cards issued subsequently. Card payments in Credit Mode borrow at transaction time through Kamino Finance's on-chain lending layer, so no pre-funded balance is required for everyday spending. Four membership tiers provide cashback rates of 1% to 4% in USDC, with paid tiers offering category spending bonuses and reduced foreign exchange fees—Platinum members pay 0% foreign exchange fees, making XPlace a globally accessible Solana-native payment platform.

Sobro integrates the x402 micropayments protocol on Solana to enable travelers to pay for real-world services — flights, hotel stays, and daily travel expenses — using crypto wallets without traditional payment processors, subscription setup, or account creation. Payments settle directly between wallet and service at the protocol level, with Solana transactions completing in approximately 400 milliseconds at costs around $0.00025 per transaction, making the payment layer practical for everyday bookings rather than speculative finance. The platform's crypto payment infrastructure sits at the core of its Travel Moneyless premise: instead of accumulating fiat savings before departure, users can fund travel through on-chain bounty earnings and pay for bookings directly via x402 payment rails. Solana accounts for roughly 70% of overall x402 monthly volume, and Sobro is among the consumer-facing applications building real-world payment experiences on top of that settlement infrastructure, positioning itself as an intent-based payment layer for travel rather than a traditional DeFi protocol.

Raise bridges retail commerce and on-chain payments through a gift card marketplace serving nearly 7 million users at over one million merchant locations. Since August 2024, the Raise app lets users pay for gift cards with USDC, USDT, ETH, and SOL via Coinbase, MetaMask, and Phantom wallets. SmartCards, launched on Solana mainnet in December 2025, are programmable on-chain gift cards with USDR stablecoin settlement in near real time for merchants. Raise Network, built on Solana, powers SmartCards via smart contracts that enforce expiration rules, geographic constraints, tiered rewards, and promotional unlocks. Brand partners include Nike, Airbnb, Uber, Best Buy, and CVS. Phantom wallet integration gives SOL holders a direct path to spend tokens at over one million merchants via gift card redemption. Raise closed a $63 million round in February 2025 led by Haun Ventures, bringing total funding over $220 million.

Zepz offers USDC-based crypto payments through the Sendwave Wallet, a consumer digital wallet built on Solana and integrated into the existing Sendwave mobile app. The wallet allows users to store a dollar-denominated digital balance, send USDC peer-to-peer to recipients in 100+ countries, and withdraw into local fiat through Zepz's established partner network. Zepz first partnered with Circle in July 2024 to integrate USDC for backend settlement, then extended that infrastructure into the consumer-facing Sendwave Wallet in October 2025. Planned additions include Visa card support, QR code payments, deposit rewards, and bill payment capabilities, with stablecoin-linked Visa cards rolling out to Brazil in early 2026 and expansion to the United States, Canada, and Australia to follow.

1Money offers 1Money.com, an API-first stablecoin orchestration layer that lets businesses receive, convert, send, and store stablecoins and fiat through a single integration. Supported stablecoins include USDC, USDT, PYUSD, RLUSD, and EURC; fiat off-ramps cover ACH, SEPA, SWIFT, PIX, and UPI across multiple jurisdictions. Solana is among the blockchain networks natively supported for stablecoin deposits and withdrawals alongside Ethereum, Polygon, and other chains. The 1Money Network, the company's purpose-built Layer 1, provides stablecoin settlement with no gas fees, under-one-second finality, and 250,000 TPS via horizontal sharding. Custody uses TSS-MPC keyless architecture. 1Money USA holds money transmitter licenses in 34 US states and a digital asset license from the Bermuda Monetary Authority. The company raised over $23 million in seed funding from Galaxy Ventures, Hack VC, and Kraken Ventures.

Assetux builds a direct bridge between on-chain Bitcoin-backed assets and physical commerce through a merchant acceptance network operating in Vietnam, the Philippines, Indonesia, Brazil, and Mexico. The aaaBTC token, pegged 1:1 to Bitcoin and earnable via Telegram microtasks, serves as the primary spending instrument within this network, giving users a crypto-native way to pay at participating businesses across five emerging-market countries. The AAA Wallet, a Telegram mini-app running on the TON network, handles the user-facing side of this payment flow, keeping the experience accessible via a platform users already have on their phones. This merchant-redemption layer sets Assetux apart from pure exchange projects by anchoring on-chain value to everyday transactions in high-growth markets.

PayAI is a payment infrastructure layer for Solana that implements the x402 protocol, enabling stablecoin micropayments between AI agents, developers, and merchants without accounts, API keys, or traditional payment intermediaries. It operates as the dominant x402 facilitator on Solana, handling more than 90% of verified x402 transactions on the network and reaching peak weekly volumes of 6.8 million transactions. Settlement runs on Solana's sub-second finality with fees measured in fractions of a cent, making micropayments economically viable across a wide range of transaction sizes from one cent to one million dollars. The facilitator supports multi-chain receipt across Solana, Base, Polygon, Avalanche, Sei, and IoTeX, allowing service providers to accept stablecoin payments from clients on different networks without manually bridging assets.

AmmerPay is a Switzerland-based cryptocurrency payment processor that enables businesses to accept digital assets while settling to their bank accounts in Swiss francs or euros within two business days. Operated by Ammer Group AG in Baar, within the Swiss Crypto Valley cluster, the platform targets the gap between crypto holders who want to spend and merchants who want fiat settlement without currency risk. It offers three acceptance channels: a Point of Sale product with hardware terminals and inventory tools, an invoicing module for generating payment requests in local currency, and e-commerce plugins for Wix and WooCommerce. All channels process at a flat 1% transaction fee with no extra accounting burden for the merchant. AmmerPay supports Bitcoin, Ethereum, USDT, USDC, and Solana (SOL), with SOL acceptance available across all three channels. A November 2024 integration with Wallee Group AG allows the AmmerPay app to run natively on PAX Android payment terminals, enabling customers to pay by QR code or NFC tap while fiat conversion happens automatically at settlement. The solution is positioned as shifting cryptocurrency from a speculative asset to a practical means of payment, particularly within Switzerland's established merchant ecosystem. AmmerPay sits alongside Ammer Wallet and Ammer Card to form an end-to-end crypto payments stack covering merchant acceptance, consumer custody, and contactless spending.

Deks offers Solana users a non-custodial debit card accepted at over 4,000 stores worldwide, enabling everyday retail spending directly from a self-custodial wallet without surrendering private key control. The card settles using the user's chosen Solana ecosystem tokens at point of sale, bridging on-chain assets with conventional payment rails. Complementing the debit card is a crypto gift card product that delivers digital or physical cards via email, SMS, or print, redeemable by recipients with no prior crypto experience. Cashback on all purchases is distributed in both SOL and the platform's native $SKR token, rewarding active use and driving ongoing engagement with the payment ecosystem.

Solpengu is a crypto-first casino that supports 22 payment methods with a strong emphasis on digital assets. Accepted cryptocurrencies include Bitcoin, Ethereum, Solana (SOL), Litecoin, Cardano, Ripple, and Tron, alongside fiat options in EUR and USD, reflecting its positioning as a Solana-branded operator targeting the crypto-native gambling audience. The monthly withdrawal limit is set at €5,000. Despite visual branding that evokes the Pudgy Penguins NFT collection and its associated PENGU token, Solpengu does not accept PENGU as a payment method and holds no verified affiliation with the Pudgy Penguins project. SOL functions as a primary deposit and withdrawal asset, and the platform's crypto payment breadth is one of its core accessibility features for web3-native users.

t54's x402-Secure is an open-source SDK built on the x402 agent payment protocol — a standard incubated at Coinbase for machine-native HTTP-based payments — that adds KYA identity verification and real-time fraud detection to autonomous payment flows without requiring custom integration work. The SDK supports Solana as one of t54's three settlement chains, leveraging its high throughput and low transaction costs for high-frequency autonomous payments. In June 2026, t54 was named a launch partner for Mastercard's Agent Pay for Machines initiative, which extends Mastercard's payment rails to fully autonomous, machine-driven commerce including microtransactions executed without any human in the loop. The launch cohort alongside t54 includes the Solana Foundation, Coinbase, Stripe, Ripple, Adyen, and Cloudflare, placing t54 as a trust-layer provider in what Mastercard framed as a foundational step toward ubiquitous machine commerce.

Tria's Visa-powered debit card is available in Virtual, Signature, and Premium tiers and accepted at 130+ million merchants across 150+ countries. The card supports more than 1,000 tokens as funding sources, offers up to 6% cashback, and routes all spending through smart-contract wallets that users fully control — no centralized custodian holds the funds. In December 2025, Tria added non-custodial Bitcoin top-ups, letting users fund the card directly from self-custodied Bitcoin. The team reported $29 million in Visa card volume within four months of launch. Tria's neobank model bridges traditional finance and self-custody Web3 in a single app. US citizens can hold IBAN-style USD accounts within the platform, while global users tap any of 1,000+ supported tokens to fund everyday spending. The Earn feature deploys idle balances into audited on-chain yield strategies targeting up to 15% APY, with earnings configurable to automatically offset card spending. This full-stack approach makes Tria one of Solana's most ambitious payment-layer projects.

JPMorgan's Kinexys Digital Payments platform enables institutions to consolidate payment, settlement, and reconciliation into single on-chain transactions through JPM Coin, a U.S. dollar-denominated deposit token launched in 2019. Deployed on Base for institutional use in mid-2025, JPM Coin allows corporate treasuries and financial institutions to move funds, settle payments, and post collateral 24 hours a day, seven days a week, outside traditional batch settlement windows. Kinexys also operates the Liink financial messaging network to further streamline institutional payment flows. Kinexys serves as cross-border payment and FX settlement infrastructure for partners including Siemens, BMW Group, Ant International, Payoneer, Mitsubishi Corporation, and JERA Global Markets. The platform supports eight currencies and has processed over $4 trillion in cumulative transactions at more than $7 billion in average daily volume. JPMorgan co-founded the multi-bank blockchain settlement network Partior in 2021 alongside DBS Bank and Temasek, extending its institutional payment reach beyond its own rails.

Nomu's checkout layer supports both fiat cards and cryptocurrency payments via SPL tokens and Solana Pay, making it a practical crypto payment on-ramp for Solana-native communities buying real-world goods. Nomu Stores, launched in April 2026, provides wallet-native storefronts where brands gate product access by token holdings, apply discounts calibrated to staking duration, and reward governance voters with perks such as free shipping — all settled through on-chain checkout. The platform targets Solana-native brands whose customers already hold ecosystem assets, removing the friction of converting crypto to fiat before purchasing physical products. By accepting any SPL token at checkout and integrating natively with Solana Pay, Nomu demonstrates how Solana's payment rails can underpin real-world commerce at scale — from limited-edition pre-order drops to direct brand storefronts serving Web3 communities.

Yumi Finance is a Credit-as-a-Service platform built on Solana that delivers BNPL and credit products through an API and SDK for fintech platforms, neobanks, and crypto card programs. Its three core products — crypto card credit at a 14% target APR, Pay-in-4 BNPL at a flat 3% merchant fee, and B2B Net-30 invoice financing — all settle in USDC, with Solana wallet addresses accepted in the underwriting process. The platform packages underwriting, capital deployment, and loan servicing into a turnkey stack that most partner teams integrate in under a week. Yumi deploys private LP capital to fund loans and assumes all default risk on behalf of its partners, with future plans to open the funding layer via permissionless DeFi vaults and a portable onchain credit profile for cross-platform credit portability.

Corbits builds payment infrastructure for the era of autonomous AI agents, centering its platform on the HTTP 402 Payment Required protocol (x402). Its Faremeter framework lets developers attach per-request stablecoin payments to existing APIs without extensive rewrites, supporting Coinbase x402, the Machine Payments Protocol, L402 via Lightning, Cloudflare Pay-Per-Crawl, and Agent Payments Protocol — all through a pluggable architecture that accommodates new payment standards as they emerge. Solana is Corbits' primary settlement layer, handling the majority of all x402 volume globally, driven by sub-second finality and fees of around $0.00025 per transaction. Cross-chain support extends to Base, Polygon, Monad, and Skale. Launch partners including Crossmint, MoonPay, PayAI, and Merit Systems reflect Corbits' position as a foundational layer in the growing x402 payment ecosystem.

SP3ND is a crypto-native purchasing intermediary that routes payments in USDC, SOL, and BONK directly to Amazon and eBay product orders without any fiat conversion step. Users paste a product URL into the SP3ND interface, select specifications and a shipping address, and sign a wallet transaction — the platform then sources the item and arranges delivery to over 48 countries. The model eliminates the off-ramp friction that historically made crypto impractical for retail: no need to withdraw stablecoins to a bank account, wait for settlement, and then shop normally. This positions SP3ND as one of the more direct demonstrations of USDC functioning as an everyday medium of exchange rather than purely as a yield-bearing or trading instrument. The platform applies a transparent, tiered fee structure — a $2.50 flat charge for orders under $100, 2.5% for orders between $100 and $999, and 1.5% for orders at $1,000 or above — all disclosed at checkout before any payment is confirmed. Funds remain in the user's wallet until the transaction is signed, minimizing custodial risk throughout the purchase flow. SP3ND currently integrates Amazon and eBay, with Temu announced as the next supported marketplace, reflecting a measured expansion of retail coverage. Since launching on the Solana dApp Store the platform recorded over $17,000 in purchase volume across more than 220 completed orders, indicating real consumer demand for crypto-denominated retail payments.

Solana ATM is a hardware-based payment terminal that allows users to exchange physical cash for USDC directly, without any bank account or intermediary. Built during the Colosseum Cypherpunk Hackathon in October 2025 by a solo developer, the machine provides instant Solana settlement, eliminating the multi-minute confirmation delays common to Bitcoin ATMs. Users can both buy and sell USDC for cash at the device, with the built-in price mechanism adjusting rates based on current reserve levels. Additional integrations expand its payment utility: Squads Grid enables email-based wallet creation at the machine for users without existing crypto wallets, and TextPay allows sending USDC to a phone number via cash. The hardware is deliberately low-cost, built on a 200-dollar Windows tablet inside a 3D-printed enclosure for around 500 to 600 dollars total, designed to be deployable in contexts where traditional payment infrastructure is absent or inaccessible. The builder cited average Texas crypto ATM fees of 18 percent as motivation, aiming to provide a lower-cost alternative for cash-to-digital-dollar conversion.

PlaiPin has built and open-sourced a production implementation of the Solana x402 payment protocol for ESP32-S3 microcontrollers, enabling embedded devices to execute autonomous USDC micropayments entirely on-device. The payment flow follows the x402 standard: the device requests an API endpoint, receives a 402 Payment Required response, constructs a signed SPL token transfer, and retries the request with the payment payload embedded in the X-PAYMENT HTTP header — completing the full cycle in two to four seconds. Private keys are generated using the ESP32-S3's hardware random number generator and remain on the device, preserving user custody throughout. Beyond single-device payments, the PlaiPin Inter-Companion Protocol (PICP) extends this to peer-to-peer transfers between companions: when two PlaiPin devices come into physical proximity, they can autonomously settle micro-transactions between users without centralized intermediation, leveraging Solana's sub-second finality and low fees to make such payments economically viable at IoT scale.

tip.md is a non-custodial crypto payment platform that enables supporters to send micropayments directly to open-source developers through embedded tipping buttons in GitHub READMEs and markdown documents. The platform accepts payments across four networks — Ethereum, Base, Solana, and Bitcoin Lightning — routing funds straight to the recipient's connected wallet without a custodial intermediary or withdrawal queue. A transparent 4% platform fee is charged on each transaction, with 96% settling directly to the developer. Solana's sub-cent fees and near-instant finality make it a standout chain on the platform, and both native SOL and USDC on Solana are supported as payment currencies via the x402 protocol. For projects with multiple contributors, smart contract automation handles proportional tip splits transparently, enabling team-level payment distribution from a single tipping button.

MCPay is payment infrastructure designed for AI agents and automated applications that need to pay for online services on a per-request basis, without subscriptions or pre-provisioned API keys. Built on the x402 protocol, which repurposes the HTTP 402 Payment Required status code as a machine-readable payment signal, MCPay enables any MCP-compatible client to autonomously transfer USDC at the moment a tool call is made. The payment flow is fully automated: an agent receives a 402 response with payment metadata including asset type, amount, destination wallet, and expiry, executes an on-chain transaction, and retries with a signed X-PAYMENT proof header — all without developer or user intervention. The project has first-class Solana integration, where payments settle in approximately 1.5 seconds at fractions of a cent per transaction, making per-call micropayments economically viable at scale. MCPay uses USDC as the primary payment asset on Solana mainnet and also supports EVM-compatible chains including Base, Avalanche, Polygon, IoTeX, and Sei. Flat per-call pricing, tiered tool pricing, and dynamic rates are all supported, and the platform charges no transaction fees by default — payments route directly between client and provider wallets, preserving the economics of direct micropayment settlement.

Revolut processes over $8.3 billion in stablecoin transfers annually across Ethereum, Tron, Polygon, and Solana, positioning it among the largest consumer-facing crypto payment platforms globally. Its December 2025 Solana integration added full on-chain send and receive for SOL, USDC, and USDT, giving 15 million crypto-enabled accounts access to Solana's sub-second finality and near-zero transaction costs as a practical settlement rail. The standalone Revolut X exchange, launched November 2024, complements this with 0% maker fees and access to over 200 tokens for active traders across EEA markets. Revolut's crypto payment services operate under a MiCA CASP license from CySEC covering all 30 EEA markets, alongside FCA authorization in the United Kingdom. Multi-currency accounts support over 150 fiat currencies, building a unified payment stack that spans fiat and digital asset rails for 70 million retail customers in 39 markets.

OVEX operates as a multi-role payments infrastructure platform, functioning simultaneously as a market maker, OTC dealer, prime broker, and cross-border payments provider within a single regulated venue. Its Quick Convert product offers a self-service RFQ interface for instant crypto-to-fiat conversion across 16-plus currency pairs with no trading fees, supporting fiat currencies including ZAR, USD, EUR, GBP, and NGN, with a minimum purchase of just $10. Prime brokerage services supply white-label liquidity infrastructure to brokers, fintechs, and payment aggregators via a public API, enabling embedded crypto-to-fiat conversion in third-party financial applications. The company holds regulatory authorizations from the FSCA in South Africa, FINTRAC in Canada, the FCA in the UK, the AMF in France, and VARA in the UAE, establishing it as a licensed payments infrastructure layer across multiple regulatory regimes.

Cross River Bank operates as a regulated payment infrastructure layer for fintech companies, connecting more than 100 technology partners to ACH, Same-Day ACH, wire transfers, Real-Time Payments, FedNow, Visa, and Mastercard through its proprietary COS platform. Partners access these rails via RESTful APIs and webhook-based event streams, embedding payment capabilities without needing their own banking charter. Clients including Stripe, Affirm, Plaid, and Coinbase rely on this infrastructure for card issuance, payment processing, and on/off ramp services. In December 2025, Cross River extended its payments platform to include USDC stablecoin settlement on the Solana blockchain through Visa's stablecoin settlement pilot, partnering with card platform Highnote. This replaced conventional multi-day clearing windows with around-the-clock settlement seven days a week, reducing pre-funding requirements and improving treasury reconciliation for partners. The bank's platform handles stablecoin flows on both Ethereum and Solana alongside traditional fiat rails, with broader U.S. rollout planned throughout 2026.

Deel operates a cross-border payroll and payments platform that processes over $20 billion in annual payroll volume across more than 150 countries. The company uses stablecoin rails on Solana and other networks to disburse employee salaries and contractor payments, with USDC, EURC, and USDT available as withdrawal options. In May 2026, Deel extended stablecoin payouts to full-time employees, allowing workers to receive between 10 and 25 percent of their net salary in dollar- or euro-backed stablecoins settled partially on Solana. Solana's sub-cent transaction costs and approximately 400-millisecond finality make it well suited for recurring payroll disbursements at scale. Deel's payment infrastructure is deeply integrated with its compliance engine, meaning tax calculations and statutory deductions occur before any stablecoin allocation is computed. This design preserves full regulatory compliance while enabling faster and cheaper settlement compared to traditional bank wires. Businesses with USDC holdings can fund payroll directly without first converting to fiat, reducing foreign exchange costs and intermediary steps. The platform charges no provider, transaction, or gas fees to employees receiving stablecoin payouts.

0xProcessing is a cryptocurrency payment gateway designed for businesses that want to accept digital assets from customers globally. Founded in 2021, the platform supports over 85 cryptocurrencies across 18 blockchain networks, offering four distinct payment models: Classic per-transaction wallet addresses, Static Wallets assigned to individual customers, Web3 Payments via browser wallet connections, and Recurring Payments for subscription billing cycles. Merchants can integrate the gateway through a documented API, deploying payment forms, invoice links, and embedded checkout flows. Registration requires only basic company information without KYC verification, making onboarding accessible to global operators across e-commerce, iGaming, SaaS, and forex verticals. The platform extends beyond inbound payments to include mass payouts for multi-recipient disbursements, B2B transaction infrastructure, and a virtual POS terminal for point-of-sale contexts. Fees start at 0.5% per deposit transaction, adjusting downward with higher monthly processing volume, and withdrawals to personal crypto wallets carry no additional platform fee. Merchants can off-ramp received funds to fiat currency via SWIFT or SEPA transfers in USD or EUR. Solana is fully supported as a payment network, with merchants able to accept SOL, USDC on Solana, and USDT on Solana at transaction costs of approximately 0.00025 dollars per payment.

LocalPay is a non-custodial stablecoin wallet on Solana that lets travelers and digital nomads spend USDT and USDC at ordinary QR code merchants across Southeast Asia. Users scan an existing merchant QR code; LocalPay converts the stablecoin value to local fiat and credits the merchant without any blockchain knowledge required on their end. The full payment cycle completes in under five seconds, made possible by Solana's sub-second finality and near-zero transaction fees. Currently live in Vietnam, LocalPay is expanding to Indonesia, Thailand, and the Philippines — all markets with deeply embedded QR payment infrastructure. The platform placed third in the Solana Breakout Hackathon's Stablecoins track and was accepted into Colosseum's Accelerator Cohort 3, which reports a 0.68% acceptance rate. With a 4.7-star App Store rating and reported 4x growth over one month, LocalPay is building a real-world spending layer for the estimated 169 million global stablecoin holders.

CargoBill is a stablecoin payments platform on Solana designed for freight forwarders and logistics operators who need fast, low-cost cross-border transactions. Payments settle in seconds with a flat fee and no transaction size cap, replacing slow wire transfers restricted to banking hours. The non-custodial architecture gives businesses full control of assets with multisig permission structures suited to corporate treasury workflows. Enterprise on/off-ramps bridge on-chain stablecoin balances with traditional fiat spending. The platform's Send function enables 24/7 cross-border payments while Request lets businesses collect from counterparties who need not be registered on the platform. A cashback Earn mechanism turns payment costs into returns for active users. CargoBill integrates with Transport Management Systems to fit existing supply chain stacks, and won first place in the Stablecoins track at the Solana Breakout Hackathon in 2025.

Utorg provides fiat-to-crypto on-ramps and off-ramps that let consumers and businesses convert between traditional currencies and cryptocurrencies across more than 130 countries. Users can purchase over 170 cryptocurrencies using Visa, Mastercard credit, debit, prepaid, and virtual cards, Apple Pay, Google Pay, Revolut Pay, Wise, and more than 30 local payment methods including iDEAL, BLIK, and Przelewy24, with fiat coverage spanning USD, EUR, GBP, INR, BRL, TRY, ZAR, and additional currencies. For businesses, Utorg operates as a B2B payments infrastructure layer powering over 2,100 platform integrations through a REST API, white-label widget, and SDK, enabling fiat-to-crypto conversion directly inside gaming, fintech, exchange, and Web3 applications. The company also offers stablecoin-based settlement rails as an alternative to SWIFT for cross-border transactions and issues branded physical and virtual Visa cards accepted at 80 million or more merchants globally, with no issuance, maintenance, or top-up fees.

AvanChange is a centralized exchange service that has processed over 627,000 transactions since launching in 2018, enabling automated swaps between more than 177 cryptocurrencies, stablecoins, fiat currencies, and electronic payment systems. The platform supports Solana (SOL) and Solana-network stablecoins including USDC, making it a direct on-ramp and off-ramp for the Solana ecosystem. Rates are refreshed every 30 seconds, and most exchanges complete within minutes. Users may choose a live rate locked at confirmation or a fixed-rate mode that holds the quoted price during fund transfer. AvanChange integrates with Russian bank channels including Sberbank, Tinkoff, Alfa-Bank, and Gazprombank, as well as electronic wallets such as YooMoney, AdvCash, and Payeer. Commission fees run approximately 0.5 to 1 percent per exchange direction. A tiered loyalty program reduces fees by up to 25 percent for high-volume users, and a referral program pays participants up to 25 percent of fees generated by referred customers.

Cwallet connects on-chain crypto balances to real-world spending through the Cozy Card, a virtual payment card compatible with Apple Pay, Google Pay, and PayPal. Users can spend crypto at merchants worldwide, purchase gift cards for major retailers, and top up mobile airtime directly from within the application. Fiat on-ramp functionality supports over 100 fiat currencies, giving users across diverse geographic markets a way to enter crypto from local currency without using a separate exchange. Bulk payment tooling is available for distributing funds to multiple recipients simultaneously, extending utility to community-scale payment workflows. A 2026 partnership with Trikon, an AI-native chain abstraction protocol, is designed to streamline cross-chain payment flows without requiring users to manage underlying blockchain infrastructure directly. These real-world payment utilities distinguish Cwallet from wallets that are primarily DeFi-oriented and provide limited pathways to conventional commerce or consumer spending.

Cryptal is a licensed cryptocurrency exchange that functions as a fiat-to-crypto gateway for users in Georgia and the European Union. It supports Georgian Lari wire transfers free of charge — a local payment rail absent from most global exchanges — alongside bank card deposits via Visa and Mastercard. The platform extends into everyday payments through the Plasma One Crypto Card, a debit card that enables users to spend directly from their crypto wallet balance and earn cashback rewards. Operating in Georgia, ranked third globally for per-capita crypto adoption by Chainalysis in 2025, Cryptal provides a regulated, locally relevant bridge between traditional banking and digital assets. It holds Lithuanian FCIS authorization and maintains ISO 27001 and CCSS compliance standards. The exchange's native support for Georgian Lari — including free GEL wire deposits and GEL-denominated withdrawals — makes it one of the few licensed platforms worldwide offering institutional-grade fiat access to crypto via a currency used by fewer than four million people.