Crypto Payment Solutions

PayGrid is a non-custodial stablecoin payment clearing network built for PSPs and FX desks. Rather than routing individual transactions, it aggregates obligations across participants, nets opposing flows before settlement, and enables parties to settle directly at mid-market rates without any counterparty holding funds or taking a spread. The model draws on CLS Bank's multilateral netting approach, which cuts gross funding requirements by 96% compared to bilateral settlement. The Clearing Gateway operates as a two-sided open market where PSPs submit their corridor, direction, and best executable rate. PayGrid's matching engine finds counterparties with opposite flow, and both sides settle at the midpoint rate. For B2B flows, compatible payments are batched into a Unified Clearing Price. Gas abstraction lets users pay fees in stablecoins rather than native gas tokens across Solana and five EVM chains.

Easy is a self-custodial payment infrastructure platform that accepts both traditional payment rails and stablecoin payments through a single merchant integration. Unlike conventional payment processors, Easy routes funds directly to merchant-owned accounts rather than holding them in a platform-controlled float, with payment processing compliance handled through Finix and stablecoin infrastructure powered by Brale on Solana. Accepted payment methods include credit cards, debit cards, ACH transfers, RTP, wire transfers, and stablecoin payments. Digital asset wallet infrastructure is provided by DFNS, an enterprise-grade wallets-as-a-service provider. Easy charges a flat rate of 2.7% plus $0.30 per transaction, covering invoicing, subscription billing, analytics, and premium support with no additional fees. Merchants retain full custody of their funds and earn 4.50% APY in cashback rewards on idle balances, which Easy frames as returning float income that traditional processors typically retain. Automated KYC/AML verification at onboarding completes in approximately 90 seconds for most applicants. Named partners include Helium and Marinade, two prominent Solana ecosystem projects, positioning Easy as a payment gateway for crypto-native and Web3-adjacent merchants.

Bleap delivers a blockchain-native payments layer through a Mastercard-branded crypto card and instant global money transfers, eliminating intermediary fees at the settlement layer. Users can spend crypto at over 150 million merchants worldwide at 0% foreign exchange spread, with Apple Pay and Google Pay support and up to 20% cashback on eligible stablecoin purchases. The card is available in physical, virtual, disposable, and metal tiers, and launches in real-time fiat conversion at point of sale without any forex markup. Cross-border transfers route through SWIFT, SEPA, FPS, and ACH rails with no transfer fees and real-time exchange rates across 13 supported fiat currencies. Founded by former Revolut product builders, Bleap settles through stablecoins and smart contracts rather than correspondent banking, removing the structural fees that legacy wire transfers incur. As of mid-2026, the service is live across the EEA, Switzerland, Mexico, and is expanding into Brazil, Colombia, and Peru.

Worldpay joined the Global Dollar Network in April 2025, enabling merchants to settle transactions in USDG, a 1:1 USD-pegged stablecoin issued by Paxos that launched on Solana in February 2025. The integration delivers T+0 settlement versus traditional T+2 or T+3 windows, and Worldpay has reported cutting processing times by 50%. Merchants benefit from lower cross-border fees and the elimination of intermediary currency conversions. Fifty-seven percent of all USDG is issued on Solana, making it the dominant chain for the asset. As a named early adopter of the Solana Developer Platform, Worldpay also uses the payments and issuance modules to give merchants access to onchain settlement and tokenized assets. The implementation relies on the Fireblocks Payments Engine for institutional custody and transaction signing at scale. Processing over 40 billion transactions annually across 146 countries, Worldpay is among the largest traditional payment processors routing merchant settlement volume through Solana's public blockchain infrastructure.

Coinmerce operates as a retail crypto broker where European users can purchase Solana and over 350 other digital assets directly with fiat currency through a quoted-price model — no order book, no counterparty matching, just a straightforward broker quote. The platform is available via web and mobile (iOS and Android) and even operates a physical crypto store in the Netherlands, removing the digital-only barrier that many retail users find off-putting. SOL purchases settle into Fireblocks-backed custody, meaning the underlying asset is held in institutional-grade vaults rather than a user-managed wallet. This fiat-to-SOL pipeline is particularly relevant for European retail investors who want regulated exposure to Solana without navigating self-custody wallets or on-chain DeFi protocols. Coinmerce's payments infrastructure is backed by a MiCAR authorisation from the Dutch AFM, covering exchange services and transfer of crypto-assets on behalf of clients. The group's vertically integrated structure — combining Coinmerce's broker interface with Quantfi's in-house market-making — allows the platform to provide consistent quoted pricing across all 350+ supported assets without relying on external liquidity aggregators. Compliance for fiat onboarding runs through iDenfy for KYC and Chainalysis for AML transaction monitoring, meeting the requirements that EU fiat payment channels impose. The EU passport built into the AFM authorisation means Coinmerce's buy-with-fiat service extends to French and German users under the same regulatory umbrella.

ZAR provides a full digital dollar payments stack for people in cash-first economies — including virtual and physical Visa cards accepted at over 150 million merchants globally, peer-to-peer USD transfers between users, a global USD account for receiving international bank transfers, and cash-out to local bank accounts in 70-plus countries. Access begins through participating retail vendors that already handle everyday cash transactions at street level, not through an app store sign-up flow. Co-founded in 2024 by Brandon Timinsky, who previously scaled Pakistan's SadaPay to 4 million users and $1.5 billion in annual transaction volume, ZAR has raised approximately $20 million from Dragonfly Capital, a16z crypto, VanEck Ventures, and Coinbase Ventures. The project targets roughly 20 countries across the Global South where currency instability and limited banking access create persistent demand for dollar-denominated payment infrastructure.

Wirex is a global crypto-fiat payment platform serving over seven million customers in 130-plus countries. Its Wirex App consolidates over 150 crypto and fiat currencies in a single interface, backed by a Mastercard debit card accepted at more than 80 million merchants worldwide. Currency conversion happens in real time at point of sale, and the Cryptoback programme pays WXT token rebates on card spending at rates up to 8% depending on the user subscription tier. Wirex has extended its payment infrastructure into enterprise and agentic contexts alongside its consumer product. Its Solana integration via Crossmint powers regulated on- and off-ramp flows for its entire customer base using smart wallet infrastructure. Partnerships with TRON DAO and Ultra Stellar on Soroban add programmable payment layers for AI agents, supporting global card issuance, cross-border payouts via ACH, SEPA, and SWIFT, and stablecoin yield of up to 6% APY.

Spritz Finance bridges self-custodied crypto wallets to traditional payment rails across 13 blockchain networks including Solana, Ethereum, and Bitcoin. Users can pay over 6,000 real-world bills — mortgages, credit cards, utilities, auto loans, and student loans — directly from their wallet without routing through a centralized exchange. Settlement uses ACH, Real-Time Payments, push-to-card, or wire transfer, with RTP running instant 24/7 as of April 2026. The platform has processed over $350 million in total volume as of June 2026. The SpritzCard is a Visa debit card with 5% cashback available in 140+ countries, turning any Visa merchant into a crypto spending venue with no annual fee. For fintechs and neobanks, Spritz offers Rails, a white-labeled SDK that bundles on-ramp, off-ramp, and bill pay under a single API with built-in AML screening, sanctions checks, and transaction monitoring. Fees start at 0.5% for crypto-to-fiat conversions; card spending and account maintenance carry no fee. On Solana, the platform supports thousands of SPL tokens through Phantom and Solflare wallet connections.

GoCabs integrated a dual-payment architecture supporting both fiat and cryptocurrency transactions through in-app wallets and QR-code scan-to-pay flows, with drivers able to withdraw earnings directly to local bank accounts or hold crypto balances in-app. Smart contracts on Solana automated fare settlement, splitting each payout at 95% to the driver and 5% to the platform treasury, eliminating manual settlement and reducing fee disputes. The native $GO token served as the ecosystem's primary payment and rewards instrument, functioning simultaneously as a governance token and a currency for Carbon Points redemption. Peer-to-peer fare bidding — where riders propose a fare and drivers accept or counter — replaced algorithmic surge pricing, with smart contracts enforcing agreed splits on-chain without intermediary involvement.

Gaian Network is a stablecoin payment rail for Southeast Asia, connecting USDC and USDT to local banking infrastructure across APAC. It enables merchants to accept stablecoin payments via QR codes, auto-detecting the recipient's country and local payment rail, then settling into 12 regional currencies in under two seconds on Solana. The platform integrates with mass-adopted QR systems including VietQR in Vietnam, PromptPay in Thailand, and GCash in the Philippines. Gaian also issues virtual cards for stablecoin spending at any merchant terminal, and passkey-based authentication lets non-crypto users create wallets without seed phrases. Developers access the platform through open-source SDKs for JavaScript, TypeScript, Go, and Node.js, with most integrations shipping in under a day. Ecosystem backers include Circle, Tether Asia, and Phantom, serving a region where credit card penetration sits below 10 percent but QR payment adoption has reached mass scale.

Travala converts Solana into genuine spending power by accepting SOL, USDT, and USDC on Solana as direct payment for 2.2 million accommodation properties, 600-plus airline partners, 50,000-plus car rental locations, and 400,000 activities across 230 countries. Unlike platforms that require bridging crypto back to fiat, Travala handles bookings with travel partners directly, letting SOL holders spend their assets on real-world travel without touching an exchange. Deposits and withdrawals of Solana-native assets are zero-fee inside the Travala wallet. The platform's AVA Smart Program adds a financial incentive on top of the payments infrastructure by returning up to 10 percent of booking value back in SOL for travelers who hold or stake AVA tokens. This positions SOL as both a payment currency and a reward asset within the same travel ecosystem. The SOL rewards pathway, announced at Solana Breakpoint in September 2024, is one of the first substantial real-world spending incentives tied directly to Solana-native assets.

Paybis operates as a regulated fiat-to-crypto payment gateway, enabling users to purchase and sell digital assets using familiar payment rails including Visa, Mastercard, bank transfers, PayPal, Skrill, Neteller, and PaysafeCard. The platform supports more than 90 cryptocurrencies across 65 fiat currencies, with per-transaction purchase limits ranging from 4 USD to 20,000 USD and settlement completing within minutes. Transactions up to 1,000 USD require no identity verification, and when KYC is needed the process is designed to finish in under two minutes, lowering the barrier for first-time buyers entering the Solana ecosystem. The payment infrastructure extends beyond retail through a B2B on-ramp and off-ramp API that DeFi wallets, gaming platforms, fintech apps, and NFT marketplaces can embed directly into their products. The API covers 180 countries, supports 90 cryptocurrencies and 70 fiat currencies, and settles most transactions in under one minute. PCI DSS Level 1 certification and MiCA CASP authorization from the Bank of Latvia provide the compliance backbone that underpins both retail and enterprise payment flows, giving Solana-focused products a reliable fiat entry point without building payments infrastructure from scratch.

Venta is a stablecoin payment API built on the Solana Pay protocol, enabling merchants to accept on-chain payments through existing point-of-sale systems without replacing hardware or requiring customers to have prior crypto experience. Transactions settle in near real-time via WebSocket confirmation directly to merchant wallets in USDC, making the system commercially viable for physical retail where checkout speed matters. Customers pay by scanning a QR code or tapping an NFC-enabled device such as a smartphone, smartwatch, or wristband, with wallet creation handled automatically through social login so no prior blockchain setup is required. Venta's commercial offering is a white-labeled checkout API that payment processors, software vendors, and merchant aggregators can embed under their own branding with a configurable per-transaction fee markup. Documented deployments include an NFC wristband integration at Solana Breakpoint 2023, where Venta powered payments at 16 Selecta Smart Fridges in Amsterdam, demonstrating live retail operation without requiring customers to open a wallet application. Additional partners spanning food service, payments infrastructure, and gaming — including Raposa Coffee, Decaf, OKX Wallet, and Solana PlayGG — confirm the platform's reach across multiple merchant verticals.

Utila provides institutional-grade stablecoin payment infrastructure for fintechs, payment service providers, banks, trading firms, and corporate treasuries. Its API-first architecture lets operators embed stablecoin payment rails directly into their own products, handling the full transaction lifecycle from initiation through settlement across more than 60 supported blockchains including Solana natively. The platform processed $8 billion in digital asset transactions per month as of March 2025, with $200 billion in cumulative transaction volume, demonstrating its capability as a high-throughput payments backbone rather than a niche custody tool. Solana's native support eliminates bridging overhead for operators running Solana-based payment products, making Utila directly relevant to the ecosystem's growing stablecoin settlement layer. A concrete example is Agridex, a Solana-based agricultural commodity platform that uses Utila to process stablecoin-settled trades across 12 or more African countries for over 20 commodity types. USDC, USDT, and other major stablecoins are the primary assets flowing through the platform, with a configurable policy engine enforcing spending limits, address whitelists, and multi-party approval thresholds programmatically rather than through manual review.

Swapped.com is a regulated fiat-to-crypto gateway that enables users to purchase Solana and other digital assets using more than 40 payment methods spanning credit and debit cards, instant bank transfers, digital wallets including Apple Pay, Google Pay, and Revolut Pay, and local options such as GCash, ePay, and PaySafeCard. The platform operates across more than 150 countries, making it one of the more broadly accessible on-ramps for retail users who want to acquire SOL without an existing crypto balance. Transactions complete with non-custodial delivery, meaning purchased SOL goes directly to the buyer's specified wallet address rather than being held in a platform account. This approach lets users move from a local payment method to self-custodied Solana in seconds. The platform also supports the reverse flow: users can sell crypto and receive fiat settlements via bank transfer, typically within one to three business days. Published fee benchmarks show approximately 4.02% for credit card purchases and 2.42% for bank transfers, with rates varying by method and country. Swapped aggregates multiple liquidity and payment-processing partners behind a single interface, providing competitive pricing without requiring users to navigate several services. With over three million reported users and a Trustpilot rating above 4.6, Swapped positions itself as a reliable entry and exit point for Solana users moving between traditional payment rails and the Solana network.

Spendly was a virtual prepaid card service that let cryptocurrency holders convert digital assets into spendable USD and use them anywhere Mastercard was accepted, including via Apple Pay and Google Pay. Launched in June 2025, it targeted crypto users who wanted a direct path from their holdings to everyday purchases without routing through a centralised exchange. The card supported deposits in Bitcoin, Ethereum, Solana, Litecoin, and Tether, converting them to USD at the point of top-up. Cards were issued digitally with instant issuance and a 12-month validity window. Spendly charged a one-time $7 issuance fee and a 4.5% conversion fee on crypto top-ups, with no monthly or foreign exchange fees. The minimum per top-up was $10 and the maximum $10,000, positioning it for regular consumer spending rather than large transfers. Card infrastructure was provided by Obsidian, and the project operated a custodial model handling conversion centrally rather than through on-chain programs. Spendly occupied the payments and off-ramp niche on Solana alongside similar products before going offline in mid-2026, approximately one year after its launch.

Dakota is a regulated stablecoin infrastructure platform designed to give crypto-native businesses a modern banking alternative built on payment rails rather than legacy depository infrastructure. Its core offering is a single API that handles wallet creation, fund custody, cross-border transfers, and on/off-ramp operations, routing payments over ACH, Fedwire, SWIFT, SEPA, and blockchain networks including Solana mainnet. When funds enter the platform they are automatically converted into DKUSD, Dakota's proprietary Treasury-backed stablecoin, ensuring that balances remain fully reserved and instantly movable at all times. The platform eliminates the need for businesses to negotiate separate arrangements with banking partners, custody providers, and blockchain infrastructure operators. Dakota's payment capabilities extend beyond simple transfers to support the full operational needs of fintech companies, DAOs, protocol teams, and AI companies requiring programmatic money movement. Zero-fee transfers on major fiat rails are available for qualifying accounts, and multi-rail routing means outbound payments automatically reach the most efficient settlement path for each destination. Developer SDKs for TypeScript and Go give engineering teams direct API access to wallet management, transaction policy enforcement, and KYC/KYB onboarding workflows. Operating as a FinCEN-registered money services business with licenses across multiple US states and expanding into the UK, EU, Singapore, and Latin America, Dakota brings regulated compliance infrastructure to the Solana ecosystem's large cohort of businesses that need a compliant counterpart for fiat-side operations.

Xelio's StableChat product enables stablecoin payments via SMS and WhatsApp, reaching mobile users who will never own a smartphone or download an app. A sender texts any phone number and funds — in USDC, USDT, or Solstice's USX — are delivered over Solana's sub-second settlement layer. On first contact, Para's SDK automatically generates a self-custodial MPC wallet tied to the recipient's SIM identity, requiring no setup from either party. Xelio's B2B product, StableCorp, extends the same stablecoin rails to small businesses, offering company incorporation across five jurisdictions, digital bank accounts, stablecoin-denominated invoicing, and AI-assisted compliance tooling. Both products rely on Solana's sub-cent transaction fees and sub-second finality, with Circle providing USDC rails and Bridge — Stripe's stablecoin orchestration platform — handling fiat on/off-ramp operations.

BVNK is enterprise-grade stablecoin payments infrastructure connecting on-chain blockchain rails to traditional fiat settlement networks across 130+ countries. The platform exposes six core primitives — send, receive, store, convert, spend, and earn — through a unified API handling both stablecoin and fiat balances simultaneously. Target clients include fintechs, marketplaces, global payroll providers, and digital asset platforms, with established customers like Worldpay, Deel, Corpay, and Circle using it to move money at enterprise scale. By end of 2025, BVNK was processing 30 billion USD in annualized stablecoin payment volume across 2.8 million transactions, a 2.3x year-over-year increase. The platform requires a minimum of 500,000 USD in monthly payment volume, positioning it squarely for large-scale payment flows. In August 2026, Mastercard completed its 1.8 billion USD acquisition of BVNK, recognizing it as critical infrastructure bridging stablecoin rails to global card and fiat payment networks.

Fystack gives fintech companies and digital-asset businesses a production-ready stablecoin payment stack that can be deployed on private infrastructure without relying on centralized custodians. The platform handles payment checkout flows, auto-sweep consolidation, webhook delivery, and multi-chain deposit tracking for USDT and USDC across Solana and more than ten other blockchains. Its transaction policy engine allows teams to enforce spending limits, whitelist approved destination addresses, and require multi-party approvals before high-value transfers are processed. The combination of MPC key security and a unified payment API means businesses can accept and route stablecoin payments without building wallet infrastructure from scratch or paying volume-based custody fees. Solana features prominently in Fystack's product positioning, with dedicated blog posts on Solana's role in global payments and comparisons with Ethereum for enterprise stablecoin adoption. The platform's emphasis on low-fee, fast-settlement chains reflects an architectural preference for Solana in high-throughput payment scenarios. Named ecosystem participants include PrimePay, Superteam, and ApeScreener, indicating active deployment across payment and fintech contexts within the Solana ecosystem. Fystack's June 2026 security audit by Adevar Labs — covering authentication, payment workflows, wallet signing, and webhook delivery — provides fintech operators with documented remediation evidence to support compliance and due-diligence requirements.

Brasil Bitcoin is one of Brazil's largest centralized cryptocurrency exchanges, serving over 700,000 retail and institutional clients with BRL-to-crypto conversion via PIX, Brazil's instant payment infrastructure. Deposits are accepted 24 hours a day with a minimum entry of R$10, dramatically lowering the barrier to digital asset access in a country where PIX adoption is near-universal. The platform's BB Pag product takes the payments function further, allowing users to pay everyday bills — utilities, services, and other expenses — directly from their cryptocurrency holdings, with Brasil Bitcoin handling the conversion to BRL automatically. With R$15 billion in annual trading volume and over 150 listed assets including SOL and Solana-native tokens, Brasil Bitcoin functions as a major gateway for Brazilian users to participate in the crypto payments economy.

Yellow Card provides enterprise stablecoin payment infrastructure that businesses and financial institutions integrate via API to send cross-border payments, manage treasury in hard currencies, and embed fiat on/off-ramp capabilities into their own products. Its API suite reaches 60+ countries and supports 50+ local currencies—including the Nigerian naira, Kenyan shilling, South African rand, and Brazilian real—enabling clients to settle B2B transactions and manage multi-currency treasury operations through a single integration. Visa uses Yellow Card's infrastructure for treasury operations and liquidity management across its licensed markets, while a Mastercard partnership announced in May 2026 covers B2B settlement, cross-border remittances, digital loyalty ecosystems, and treasury management. On Solana specifically, Yellow Card supports USDC and USDT transfers at no additional cost to users, positioning Solana as a zero-fee settlement rail within its broader multi-chain payment stack. The platform also offers USD and EUR bank account setup and international card issuance for business customers, extending beyond pure stablecoin payments into broader financial services. Backed by over $120 million in equity financing from Blockchain Capital, Polychain Capital, and SC Ventures, and processing over $10 billion in cumulative volume through 106+ Tier 1 banking and liquidity partners, Yellow Card is one of the most operationally scaled stablecoin payment gateways serving emerging markets.

Remitano operates a multi-layer payment infrastructure built around its escrow-backed P2P trading core, supporting over 80 fiat currencies and more than 50 payment methods across more than 50 countries. Beyond P2P, the platform offers a crypto swap tool at a flat 0.25% fee, lending and borrowing products, liquidity pools for passive yield, and an NFT marketplace — all within a single interface. The maker pays 1% on P2P trades while takers pay nothing, and users holding RENEC receive up to 20% fee discounts on swap pairs, tying token utility directly to payment activity on the platform. On Solana, Remitano is accessible through wrapped RENEC, an SPL token bridged via a lock-and-mint mechanism from the project's independent RENEC chain, giving Solana-based traders on-chain access to the platform's native asset through Solana DEX infrastructure. The platform's fiat gateway role across Nigeria, Ghana, Vietnam, and Malaysia positions it as an indirect on-ramp for users in those regions who may subsequently bridge into Solana-native DeFi, connecting emerging market payment flows to the Solana ecosystem.

NoOnes built a layered set of payment tools around its core P2P cryptocurrency marketplace, supporting Bitcoin and USDT trading across more than 500 payment methods with escrow to reduce counterparty risk without a centralized custodian. A swap function provided instant crypto-to-crypto conversions at live market rates, covering BTC, USDT, Ethereum, Solana, and TRON. A NoOnes Visa virtual card enabled USDT spending through Apple Pay and Google Pay, bridging on-chain holdings to everyday consumer payment rails. Additional payment products included SnapX, a gift card marketplace where users could buy or sell digital gift cards from Amazon, Steam, and Xbox using USDT. A crypto off-ramp converted holdings to local currency via bank transfer or mobile money, and a public transparency dashboard displayed platform reserves and activity statistics. The platform closed permanently on August 21, 2026, after EU sanctions caused blockchain monitoring providers to classify its wallet addresses as high risk, triggering automatic rejections from the payment partners and liquidity providers it relied on.

AEON is a payment orchestration protocol that lets users pay in cryptocurrency while merchants receive local fiat currency. The platform operates across physical retail terminals — including McDonald's, KFC, Burger King, and UNIQLO — and online merchants in the Philippines, Nigeria, Mexico, Brazil, Georgia, and Peru. By end of 2025, AEON reported $263 million in total payment volume and 5.7 million processed transactions. AEON Pay handles QR code-based retail payments; AEON Checkout provides a Stripe-like widget for e-commerce, abstracting chain selection, wallet compatibility, and gas fees from merchants and users alike. The merchant network exceeds 50 million terminals globally, with integrations spanning Binance Wallet, OKX Wallet, Bitget Wallet, and Solana Pay. Merchants on Solana Pay can receive AEON-routed crypto payments without additional infrastructure.

CoinMENA is a regulated cryptocurrency exchange serving the Middle East and North Africa that enables users to buy, sell, and withdraw digital assets in eight regional fiat currencies, including Bahraini dinar, UAE dirham, Saudi riyal, and Egyptian pound. The platform supports bank transfer and credit or debit card funding, with direct withdrawals to local bank accounts — addressing a gap in MENA markets where crypto-to-fiat conversion historically required offshore routing. Operating under a Central Bank of Bahrain Category-3 license and a Dubai VARA license, CoinMENA provides retail and OTC access to over 80 cryptocurrencies across 45-plus countries. As of 2025, the platform has processed more than $5 billion in total transactions for over 1.5 million registered users, functioning as a regulated fiat-to-crypto payment gateway across the Gulf Cooperation Council and the broader MENA region.

Uquid is a Web3 commerce platform letting users spend over 100 cryptocurrencies on more than 160 million products without fiat conversion. A multi-network payment layer accepts USDT and native tokens, settling merchants via smart contracts. The Uquid Shop covers gaming gift cards, software licences, mobile top-ups, eSIMs, event tickets, and prepaid cards. A Buy Now Pay Later feature called Payin3 gives UQC holders a 90-day interest-free window on qualifying purchases. Uquid added USDT on Solana in December 2024, citing network speed and low fees. USDT-SOL reached a 97% checkout success rate—second among all supported networks—and logged over 142,000 transactions in its first quarter live. Active shopper counts grew 55% in the six months that followed, led by users in Oceania and Asia. The integration was built with Tether to demonstrate USDT real-world spending on Solana.

Stables provides API-first stablecoin payment infrastructure enabling businesses to collect and disburse payments across more than 160 countries, with settlement completing in under one hour on average. The platform's virtual account feature gives businesses reusable local payment details that automatically settle in USDt when customers make local bank transfers, removing the need to hold fiat balances across multiple jurisdictions. Transfers can route to local bank accounts, mobile money wallets, or stablecoin addresses, and a quote-first model shows the exact exchange rate, fees, and settlement time before any funds move. The platform handles over $2 billion in annual USDt volume and is SOC 2 certified with a 99.99 percent uptime SLA, serving fintechs, payment aggregators, crypto exchanges, and AI-driven commerce platforms across Asia and the Middle East and North Africa. An August 2026 partnership with Access Bank South Africa extended coverage to African trade corridors linked to Asian payment rails. Multi-jurisdictional regulatory licensing across Australia, Europe, and Canada allows Stables to act as a single compliant counterparty for businesses operating across these regions.

FinchPay is a regulated fiat-to-crypto and crypto-to-fiat exchange platform that accepts Visa, Mastercard, SEPA bank transfers, and regional payment methods such as PIX and PicPay for Latin American markets. It supports more than 20 cryptocurrencies — including SOL, USDC on Solana, and USDT on Solana — across more than 100 countries, targeting a 15-minute transaction completion time with no hidden fees. Businesses can integrate FinchPay's exchange capabilities through an embeddable widget, calculator, REST API, webhooks, or a Telegram Mini App, enabling fiat on- and off-ramp functionality without building a full exchange stack in-house. Originally licensed in Lithuania as a VASP under EU regulation, FinchPay transferred its regulated operations to ZENVIA TECH LIMITED, a Canadian FINTRAC-registered Money Services Business, effective July 2026.

Quidax is a Lagos-based cryptocurrency exchange that has built stablecoin payment infrastructure covering more than 21 countries and 14 currencies as of 2026. The platform enables startups, fintechs, and enterprises to settle cross-border payments across Africa using USDT, XAUT, and USAT within 48 hours, at fees designed to meet the G20 target of below 5 percent. In Nigeria, Quidax also issues a Visa card that converts cryptocurrency to Naira at point-of-sale retail locations, integrating digital assets into everyday consumer spending. Its B2B Crypto API enables exchanges, fintechs, and neobanks to embed crypto payment processing without building the underlying infrastructure themselves, supporting wallet generation, real-time fiat-to-crypto pricing, and crypto-backed lending. African markets covered include Nigeria, Ghana, Kenya, Tanzania, Rwanda, South Africa, Ethiopia, Cameroon, and Cote d'Ivoire, with corridors extending to Canada, China, the UAE, the UK, and the US. As of mid-2026, more than 5,000 businesses across payments, banking, gaming, and remittances use the platform.

Tokocrypto is Indonesia's primary regulated fiat-to-crypto gateway, offering zero-fee conversions between Indonesian Rupiah (IDR) and digital assets alongside full on-ramp and off-ramp services. As the country's first BAPPEBTI-registered exchange, it provides the legal and compliance framework Indonesian retail investors need to move capital between the traditional financial system and digital assets. BIDR, a 1:1 IDR-pegged stablecoin, is natively supported to further connect fiat liquidity with DeFi participation. With over 4.5 million registered users and Rp650.61 trillion in 2024 trading volume, Tokocrypto is the dominant fiat gateway for Southeast Asia's largest economy. Its dollar-cost averaging (DCA) tool and mobile app lower the barrier for first-time investors, while its TKO token grants holders access to Launchdrop campaigns, NFT marketplace participation, and discounted trading fees — reinforcing the cycle between retail capital inflows and decentralized ecosystem access.

NOWPayments is ChangeNOW's dedicated crypto payment gateway, allowing merchants, decentralized applications, and platforms to accept cryptocurrency as payment for goods and services. It uses the same swap infrastructure as the consumer exchange, handling routing and conversion automatically so that merchants can receive a preferred asset regardless of what the customer pays in. The service supports more than 1,500 cryptocurrencies including SOL and SPL tokens on Solana. The payments product extends ChangeNOW's swap capabilities into real-world commerce use cases, bridging on-chain value to merchant workflows without requiring custodial accounts for the underlying conversion flow. Recent product additions include crypto payment links and permanent exchange addresses for recurring deposit flows, lowering friction for businesses integrating cryptocurrency into payment acceptance. These capabilities position ChangeNOW as an infrastructure layer connecting digital assets to practical payment scenarios.

Alchemy Pay is a regulated payment technology company founded in 2017 and headquartered in Singapore, operating fiat-to-crypto and crypto-to-fiat conversion infrastructure across 173 countries through more than 300 fiat payment channels and 50 local currencies. The platform supports Visa, Mastercard, Apple Pay, Google Pay, bank transfers, and mobile wallets, allowing business partners to embed on-ramp and off-ramp functionality directly into wallets, exchanges, and decentralized applications. Merchants integrating via Shopify plugins or direct APIs can accept crypto from customers while receiving settlement in local currency, removing direct price exposure. The company also issues branded virtual and physical debit cards through Visa and Mastercard partnerships, enabling crypto holders to spend at standard payment terminals. In October 2024, Alchemy Pay announced Alchemy Chain, an SVM-based Layer-1 blockchain built for stablecoin payments and cross-border settlement, with mainnet launching in May 2026. The chain includes a Token Management System that lets businesses issue and manage stablecoins and tokenized real-world assets without writing custom smart contracts. As of mid-2026, Alchemy Pay holds Money Transmitter Licenses in 19 US states and has designed Alchemy Chain to align simultaneously with EU MiCA, PSD2, and Hong Kong HKMA stablecoin regulations.

ONUS was a Vietnamese cryptocurrency exchange that issued VNDC, a stablecoin pegged to the Vietnamese dong and designed as a fiat on-ramp for retail investors. VNDC allowed users to move value between local currency and digital asset markets without routing through a third currency, and operated across Ethereum, Tron, and Solana networks for fast, low-cost settlement. The token served as the primary entry currency within the ONUS super-app, where it denominated savings pools and investment products for a claimed user base of seven million registered accounts. Vietnamese authorities alleged in March 2026 that VNDC lacked genuine fiat backing and was used alongside fabricated market activity to attract investor capital under false pretenses. Criminal charges against the platform's founders included asset misappropriation and money laundering, with investigators estimating losses to Vietnamese investors at approximately three billion USD. The ONUS app was shut down on March 20, 2026, the same day enforcement began, leaving users unable to access funds or initiate withdrawals.

MugglePay is a non-custodial stablecoin payment gateway enabling merchants to accept USDC and USDT directly into their own wallets, without an escrow intermediary. Founded in 2019 and headquartered in Singapore, it has served over 14,000 merchants across 50+ countries and processed more than 1 million orders. Integration paths include pre-built plugins for WooCommerce, Shopify, and WHMCS, shareable payment links, and a REST API covering order creation, refunds, and webhooks. Setup is designed to take approximately five minutes with fees quoted as low as 0%. Because funds settle directly to the merchant wallet, MugglePay eliminates settlement delays and counterparty risk common with traditional processors. Customers do not need a preconfigured Web3 wallet, removing token-approval friction from checkout. The platform supports USDC and USDT across more than 20 blockchains including Solana, Ethereum, BNB Chain, and Tron. AI agent payments are also an explicit product category, allowing autonomous software to initiate crypto payments programmatically.

OneSafe is a neobanking platform built for Web3 businesses that need to operate across fiat and digital assets without juggling separate accounts or exchanges. The platform provides business accounts in USD, Euro, and CAD with ACH transfers, domestic and international wires, and bill payments — giving crypto-native companies the standard payment infrastructure traditional banks have routinely denied them. A built-in 24/7 on/off-ramp enables real-time crypto-to-fiat conversion at zero commission, and the platform absorbs network gas fees on supported chains including Solana. For Solana-native businesses earning revenue in SOL or USDC, OneSafe enables fiat payroll, vendor payments, and multi-jurisdictional contractor payouts through a single dashboard. Corporate Mastercard cards — physical and virtual — allow teams to fund expenses directly from crypto or fiat balances without manual conversion steps. The platform has processed over $800 million in transaction volume across more than 1,000 businesses in 30-plus countries, with digital asset custody provided by Fireblocks institutional infrastructure.

Aliniex, now operating under its AliX Pay brand, provides fiat-to-crypto on/off ramp infrastructure for fintech companies, e-commerce operators, and crypto platforms across Southeast Asia. Its Scan-to-Pay product integrates with national QR payment standards — QRIS, QRPH, and InstaPay — alongside regional e-wallets including GCash, Maya, and GrabPay, covering more than 34 million merchant acceptance points. Settlement runs through USDC and USDT on Solana, Ethereum, and Polygon PoS. The platform operates in over 11 countries and holds a VASP license in Poland and an MSB license in Canada. Circle Alliance membership provides priority USDC liquidity, while Chainalysis and Sumsub integrations handle blockchain analytics and KYC/AML. A white-label API suite lets enterprise clients embed order creation, live pricing, and identity verification directly into their payment workflows.

Bitstamp has held EU payment institution status since 2016, operating as a regulated fiat on-ramp and off-ramp for European users. In September 2025, it added the Solana network as a USDC transfer rail, joining Ethereum, Stellar, Optimism, Polygon, Avalanche, and Arbitrum. Users can deposit USDC from a Solana wallet or withdraw to one directly, providing a fast, low-cost path between Bitstamp's custodial environment and Solana-based protocols. Users acquire USDC via bank transfer or card and withdraw directly to a Solana wallet address, or sweep on-chain funds back into fiat settlement through the same rail. Bitstamp's MiCA CASP license and European Passport make this flow available across all EU and EEA member states from a single authorization. The Quick Buy/Sell/Convert interface handles purchases without order-book access, lowering the barrier for users entering Solana's ecosystem through a regulated gateway.

Bitrefill is a Swedish crypto e-commerce platform founded in 2014 that lets users spend digital assets — including SOL, USDC, Bitcoin, and Ethereum — on everyday products without first converting to fiat currency. The platform offers more than 8,000 gift cards from global brands including Amazon, Netflix, Spotify, Apple, Walmart, and Uber, alongside eSIMs covering 140-plus countries and prepaid phone refills across a wide range of carriers. Bitrefill has served more than one million customers and operates in over 186 countries, making it one of the longest-running crypto payment utilities in the market. No account or identity verification is required for basic gift card and phone top-up purchases, keeping friction low for users who prefer to spend without onboarding through a traditional exchange. For Solana holders, Bitrefill provides a direct path from SOL to consumer goods and services at checkout without an intermediate exchange step. The platform integrates the LI.FI decentralized exchange aggregator, which lets users holding long-tail Solana tokens swap into a checkout-compatible asset at the point of purchase, broadening access beyond just SOL and USDC holders. The Bitrefill Card, a Visa-branded virtual card targeted primarily at European users, extends this further: users load SOL onto the card and spend it anywhere Visa is accepted, bridging on-chain assets to offline retail. Together, these features position Bitrefill as a practical spending rail for the Solana ecosystem.

FiveWest provides enterprise-grade payment infrastructure for cross-border capital movement between Africa, Asia, and global markets, built on a comprehensive South African regulatory stack including FSCA, SARB, and PASA authorisations. The platform's ZAR Payouts product automates conversion and disbursement of digital assets into South African Rand for businesses paying employees or suppliers in local currency, with ZAR settlements completing in under five minutes. Its Collections product enables businesses to receive payments in ZAR, EUR, and USD without establishing local entity structures in each market, while the Payment Gateway allows merchants to accept cryptocurrency with back-end ZAR settlement, shielding them from price volatility. FiveWest targets enterprises running cross-border payroll, high-frequency remittance operators moving volume through African corridors including NGN, KES, and GHS pairs, and treasury teams managing multi-currency exposure across Sub-Saharan Africa.

Kotani Pay is a Nairobi-based fintech infrastructure company that connects blockchain networks to African mobile money systems through on-ramp and off-ramp APIs supporting USDT, USDC, and cUSD stablecoins. Its white-label API is used by crypto wallets, neobanks, and fintech platforms to offer African users real-time stablecoin-to-local-currency conversions through services such as M-Pesa in Kenya and MTN Mobile Money in Ghana and Zambia. The platform supports 15 or more blockchains including Celo, Stellar, Polygon, Optimism, and Arbitrum, and processes payments via USSD — dial-code menus that work on any GSM phone, including basic feature phones without internet access. As of 2023, Kotani had processed approximately $23 million in transaction volume; in October 2025, Tether made a strategic investment to expand USDT-based settlement for SMEs and corporate clients across African emerging markets.

Loop Crypto built smart contract-powered recurring billing infrastructure that enabled merchants, SaaS companies, and e-commerce platforms to accept stablecoin autopayments on Solana and multiple EVM chains. The platform handled the full payment lifecycle — checkout interface, one-time wallet authorization, scheduled recurring charge execution, basic dunning for failed payments, and settlement in either crypto or fiat — at a flat 0.75% transaction fee. USDC dominated Loop payment volume at roughly 98%, reflecting merchants preference for price-stable billing over volatile asset exposure across monthly subscription cycles. Integrations with Stripe, Chargebee, and OpenPay let existing billing software providers adopt on-chain payment rails without rebuilding their payment stacks from scratch.

Mercuryo is a B2B payment infrastructure layer that embeds fiat-to-crypto and crypto-to-fiat conversion directly into third-party applications through a white-label widget and API. More than 500 web3 companies — including MetaMask, Trust Wallet, Ledger, 1inch, PancakeSwap, Bybit, and Telegram Wallet — use the platform to handle on-ramp and off-ramp flows without building or licensing their own payment rails. The product suite accepts credit and debit cards, Apple Pay, Google Pay, bank transfers, and SEPA for on-ramp purchases, plus local payment methods across 150 countries for off-ramp withdrawals. A January 2026 integration with Visa Direct added near-real-time fiat settlement to off-ramp transactions. Mercuryo has processed over $2 billion in total volume, generated approximately $15 million in revenue-share for partners, and reports an on-ramp conversion rate that improved from 12 percent to 21 percent year-over-year as of mid-2026. Stablecoins accounted for 57 percent of off-ramp transactions during this period, reflecting the platform's growing role in stablecoin-denominated payment flows.

StealthEX complements its crypto-to-crypto swap service with a fiat on-ramp that lets users purchase cryptocurrency using EUR, USD, GBP, or RUB via card payment through third-party payment partners. KYC applies at the payment-provider level for fiat purchases above approximately $900 or 700 EUR, but the fiat route operates independently of the main non-custodial swap flow. For Solana users, this provides a direct path from fiat currency to SOL or Solana-ecosystem tokens without requiring a separate exchange account. The platform's partner API extends its payment utility further, allowing businesses and developers to embed swap and conversion functionality into wallets, dApps, or financial tools. StealthEX charges approximately 0.4% per swap with no subscription tiers, account fees, or withdrawal fees imposed by the platform itself. With support for over 2,000 assets and direct Solana integration, it offers a broad range of currency conversion options for payment-adjacent use cases across the ecosystem.

Blockradar is a Wallet-as-a-Service platform that gives fintech companies stablecoin payment infrastructure through a single API. Builders can issue non-custodial wallets, send and receive USDC and USDT, and handle treasury flows without building blockchain plumbing. The checkout module generates branded payment links and virtual account numbers linking on-chain addresses to local bank rails in markets like Nigeria and Colombia. Blockradar targets cross-border corridors in Africa, Latin America, the Middle East, and Southeast Asia for B2B payments, remittances, on/off-ramp services, and stablecoin savings. As a Day-One Partner for Circle's CCTP, it routes native USDC across Solana, Ethereum, Base, Celo, and other chains without bridge intermediaries. By August 2026 the platform had processed over $1 billion in stablecoin volume for hundreds of fintechs across more than 20 countries.

Request Finance is a business payment platform that processes crypto and fiat transactions for more than 2,000 companies across 170 countries. Its core product suite covers accounts receivable, accounts payable, payroll disbursements, batch vendor payments, and employee expense reimbursements, with Solana USDC and USDT support added in 2024. Businesses can issue invoices denominated in local currencies and collect payment in stablecoins or fiat, with on-chain settlement tracked automatically through the underlying Request Network protocol. Solana's low transaction costs and high throughput make it a practical settlement layer for the volume of business payments the platform processes. By late 2025, Request Finance had processed over $1.2 billion in cumulative transaction volume, handling 4,185 crypto payments worth $30.6 million in November 2025 alone. Batch payment tools allow companies to settle hundreds of vendor invoices or employee salaries in a single transaction cycle, reducing the operational overhead of manual disbursements. The platform's dual-rail design — supporting both on-chain crypto settlement and traditional SWIFT and IBAN bank rails across 190 countries — gives it broader utility than pure crypto-native payment tools for businesses operating across jurisdictions.

Hotcoin Global is a centralized cryptocurrency exchange that supports direct peer-to-peer transactions through a dedicated P2P trading module, allowing users to buy and sell digital assets using flexible local payment methods across more than 180 countries and regions. Spot trading spans over 800 active markets including SOL/USDT and SOL/USDC pairs, and credit card crypto purchases are also supported, giving the platform a broad range of fiat-to-crypto conversion options for retail users worldwide. These features position Hotcoin as both a trading venue and a practical payment gateway for users seeking to move between local currencies and digital assets. The platform's regulatory standing reinforces its credentials in the payments space. Hotcoin holds an active Digital Currency Exchange registration with AUSTRAC in Australia and is registered as a Money Services Business under FinCEN in the United States, requiring ongoing compliance with anti-money laundering and know-your-customer standards. Operating under these dual-jurisdiction obligations distinguishes it from unregulated venues and provides a degree of institutional confidence to the over 7 million registered users who rely on the platform for crypto-based payment and conversion activity.

BitMart is a centralized digital asset exchange that entered the crypto payments space with the September 2025 launch of the BitMart Card, a Visa-branded debit card that lets users spend crypto balances directly at merchants accepting Visa. The card removes the need for manual conversion before spending, connecting the exchange custody layer to everyday consumer payments without additional steps. The payments capability sits within a full-service trading platform covering spot, perpetual futures, margin trading, staking, and copy trading. BitMart native USDT-SPL and USDC-SPL deposit and withdrawal routes on the Solana network reduce friction when moving stablecoins between the exchange and on-chain activity. The platform operates in 180 countries under FinCEN registration and, as of June 2026, an Australian Financial Services Licence.

Coinify is a B2B cryptocurrency payment and trading infrastructure company that lets businesses accept crypto at checkout and offer fiat on-ramp and off-ramp services without building their own compliance or banking relationships. Founded in 2014 in Copenhagen, it serves over 60,000 businesses and 65 global payment service providers across more than 170 countries. Its merchant payment product handles currency conversion and regulatory compliance on the platform side, with settlement available in fiat or crypto. Its white-label trade widget embeds fiat conversion into third-party wallets, exchanges, and DeFi platforms, supporting more than 35 tokens across more than 20 blockchains. USDC settlement on Arbitrum, Optimism, and Base was added in April 2025, extending its stablecoin payment coverage. An OTC desk serves institutional clients needing to execute large block trades. Merchant checkout integration can require as little as a single line of code.

Fonbnk is a stablecoin settlement platform that converts prepaid mobile airtime and mobile money transfers into stablecoins across 17 markets, primarily in Sub-Saharan Africa. The two-sided marketplace matches users who hold airtime or M-Pesa credits with liquidity providers who exchange them for USDC, USDT, and other supported assets. Transactions complete in under 30 seconds once a provider confirms receipt, and daily wallet limits are set at 200 USD in alignment with FinCEN de minimis compliance thresholds. Individual airtime transactions are capped at KES 5,000–10,000, keeping the platform suited for everyday payment volumes. Businesses and wallets can integrate Fonbnk through a zero-code embeddable widget, a merchant dashboard for order monitoring and reconciliation, or a signed REST API with webhook support for real-time order-status notifications. Partner wallets already live include MiniPay, MetaMask, Trust Wallet, Brave, Cenoa, and the aggregator Onramper. Institutional liquidity is provided by Flutterwave, Kotani Pay, and Bitmama. Stablecoin settlement is available across 15 blockchain networks including Solana, enabling wallets and merchants to accept payments sourced from mobile money networks in markets where card infrastructure is limited.