Crypto Payment Solutions

Guardarian is a non-custodial fiat-to-crypto gateway processing buys, sells, and swaps across 1,000-plus cryptocurrencies and 30-plus fiat currencies in over 170 countries, with no account required. Purchases are funded via Visa, Mastercard, Apple Pay, Google Pay, or SEPA bank transfer, and crypto goes directly to a user-supplied wallet address — the platform never holds funds in custody. A flat-fee model of roughly 2.49 EUR per buy and 3.49 EUR per sell replaces percentage-based spreads, keeping costs predictable for larger transactions. Solana users can buy or sell SOL natively, and a direct Jupiter integration brings the fiat ramp inside Solana's leading DEX aggregator. Wallet providers and Web3 projects embed the gateway via a configurable widget or REST API, with partners including Ledger, Atomic Wallet, CoinEx, and Gate.io. Guardarian holds VASP registration in Lithuania under FCIS supervision and is registered as a Money Services Business with FINTRAC in Canada, with active work toward EU MiCA compliance.

1Konto routes institutional cross-border payments through stablecoin rails, settling transactions in under one hour at costs up to 50 percent lower than traditional SWIFT workflows. Its 1KPrime platform converts fiat to stablecoin at origin, moves value across blockchain infrastructure, then converts back to local fiat at the destination—eliminating the correspondent banking chains that slow and inflate conventional international transfers. The platform supports more than a dozen currency pairs including USD, EUR, GBP, JPY, MXN, and ZAR, and connects to existing bank and custodial systems through an API layer that requires no rebuild of core infrastructure. As of 2025, 1Konto has processed over $3.5 billion in volume across more than 80 institutional counterparties, serving banks, payment service providers, corporate treasury operations, and development organizations handling multi-currency cross-border disbursements.

Koywe is a B2B payment platform that gives businesses a single API to collect local payments across Latin America—via PSE and Nequi in Colombia, Pix in Brazil, SPEI in Mexico, and Khipu in Chile—and settle funds in stablecoins or local currency the same day. The company entered Y Combinator's Winter 2023 batch, raised $12.5 million from investors including Franklin Templeton, and has processed over $2 billion in annualized transaction volume across eight countries. The platform's RESTful API exposes four core flows—inbound collection, outbound vendor payment, cross-currency balance transfer, and fiat-to-crypto ramps—with a sandbox environment and webhook notifications. This allows fintechs and multinational companies to access Latin American payment rails without maintaining separate bank accounts in each market, while stablecoin settlement routes across blockchains including Solana through Koywe's integration with Circle's Payments Network.

Uphold supports 27 fiat currencies alongside its crypto and commodity holdings, providing an on-ramp and multi-currency account accessible in over 150 countries. The platform enables on-chain deposits and withdrawals for assets including Solana, allowing users to move SOL between self-custody wallets and their Uphold balance. Recurring purchase automation via the Autopilot feature lets users build positions in any supported asset on a scheduled basis without manual intervention. A Mastercard-branded crypto debit card is available in the UK and US, enabling users to spend crypto holdings at point of sale — with 1% cashback in the UK and XRP rewards in the US. Uphold holds FinCEN registration in the United States, FCA crypto registration in the UK, FINTRAC registration in Canada, and is supervised by the Bank of Portugal in Europe, giving the payment infrastructure a regulated footing across major markets.

Mesh is a crypto payments infrastructure company that enables businesses to accept cryptocurrency from over 300 wallets and exchanges through a single API integration. The core product, SmartFunding, processes payments from any of 100+ supported cryptocurrencies while settling instantly to merchants in stablecoins (USDC, PYUSD, USDT, or RLUSD) or local fiat currency. SmartFunding can draw on up to five funding sources simultaneously within a single transaction, handling chain routing, asset conversion, and compliance automatically. The platform processes close to $10 billion in monthly transaction volume. Merchant and services partners include PayPal, prediction market Kalshi, card-funding platform Rain, and payments processor Shift4. The platform's six functional modules cover Payments, Deposits, Verification, Payouts, Stablecoin Settlement, and On/Off-Ramps. Infrastructure partnerships with Paxos, Ripple, and Stellar support settlement across stablecoins that reached a $300 billion market cap and $27 trillion in annual transaction volume through 2025. Mesh raised $82 million in a March 2025 Series B and $75 million in a January 2026 Series C, reaching a $1 billion valuation.

Metal Pay is a licensed cryptocurrency exchange and payments application operated by Metallicus, Inc., a U.S. money services business registered under NMLS ID 2057807. The platform functions as a fiat-to-crypto on-ramp and off-ramp, enabling users in the US, Australia, and New Zealand to purchase and sell digital assets using debit cards, credit cards, or linked bank accounts. Metal Pay emphasizes transparent pricing with no spread-based markups and promotes its card fees as among the lowest in the industry, with daily purchase limits raised to $10,000 in the Metal Pay 3 update. Peer-to-peer transfers between Metal Pay users are processed through XPR Network, Metallicus's own high-throughput blockchain handling over 4,000 transactions per second. Transfers use human-readable @name usernames rather than cryptographic wallet addresses, reducing user error risk. Solana is a supported and actively promoted asset on the platform, allowing users to purchase, trade, and send SOL through Metal Pay's regulated payment infrastructure without the compliance ambiguity associated with some unregistered offshore exchanges.

Nuvei is a global payment technology company that built its Solana connection through Visa's stablecoin settlement pilot, announced in September 2023. As a participating merchant acquirer, Nuvei can receive USDC on the Solana blockchain as settlement for card transactions processed through VisaNet, replacing traditional fiat bank wire transfers after a transaction clears. Solana was selected for this settlement layer for its high throughput and low transaction costs, qualities that matter at the speed and volume of card payment settlement. Beyond the Visa-Solana arrangement, Nuvei operates payment infrastructure for more than 450 crypto partners including exchanges, wallets, and NFT platforms, processing over $4 billion in crypto payments annually. A single API integration provides access to more than 720 alternative payment methods, local acquiring in 53 markets, and support for 150 currencies. The company also offers stablecoin-powered cross-border payouts across 14 blockchains, designed to lower FX costs and accelerate settlement versus traditional correspondent banking.

OnMeta is a B2B fiat on-ramp and off-ramp infrastructure provider that connects Web3 applications with local payment networks across India, the Philippines, and Indonesia. Developers embed compliant payment capabilities through an API or pre-built iFrame widget, with support for UPI and bank transfers in India, GCash and PayMaya in the Philippines, and QRIS in Indonesia. By managing payment rails, liquidity routing, and compliance in-house, OnMeta removes the need for Web3 teams to build their own fiat-entry infrastructure. The platform targets sub-60-second on-ramp completion and reports that 91 percent of transactions settle within that window — a meaningful improvement over older gateway services. Its checkout solution lets merchants accept local fiat payments and receive settlement in stablecoins or USD. Supporting over 7,000 tokens across 16 or more blockchains including Solana, OnMeta serves gaming, DeFi, NFT, and consumer wallet applications seeking fiat liquidity in three of Asia's largest emerging markets.

ICRYPEX was a centralized cryptocurrency exchange founded in 2018 in Istanbul, Turkey, serving over one million registered users across more than 80 countries. The platform offered direct Turkish lira trading pairs, enabling Turkish residents to convert local currency to digital assets without routing through stablecoins first. Supported fiat currencies extended to EUR, USD, and RUB, giving the exchange broad coverage for users transacting across multiple currency zones. Payment methods included bank wire transfers, credit card payments, Apple Pay, and Google Pay, with no deposit fees and a five-dollar minimum deposit. Trading fees ranged from 0.08 to 0.20 percent for makers and 0.10 to 0.25 percent for takers. SOL was among the assets available for spot and futures trading, and the platform served as a regulated fiat on-ramp for Solana participants in Turkey and Europe. As of mid-2026, ICRYPEX is non-operational following asset seizures tied to a criminal investigation against its founder.

Orionx is a Latin American cryptocurrency exchange and financial infrastructure platform founded in Chile in 2017, now operating across Chile, Peru, Colombia, and Mexico with over 100,000 registered users and more than $2 billion processed. Beyond retail trading, the company operates Orionx Business, an enterprise-facing layer that positions it as a financial infrastructure provider for cross-border payments. Business clients can integrate Orionx capabilities into their own applications via a GraphQL-based API with WebSocket streaming, with access to services including collections, treasury management, and OTC trading. The payment infrastructure supports USDT and other stablecoins as settlement layers, with Tether leading Orionx's 2025 Series A specifically to accelerate stablecoin payment and B2B expansion. Orionx displays prices in Chilean Pesos and US Dollars to reduce currency conversion friction for local businesses and individual users. The company targets markets where Chainalysis data shows Latin America received approximately $415 billion in cryptocurrency transactions between July 2023 and June 2024, with USDT accounting for a significant share of that regional flow.

ZinariPay offers a crypto payment gateway that businesses integrate via npm, Yarn, or CDN script to accept USDT and USDC stablecoin payments on their websites and applications. Amounts are entered in Nigerian naira, South African rand, US dollars, euros, or British pounds and automatically converted to the equivalent crypto amount at transaction time. The 2.0.0 release mandated API key authentication for all transactions and delivered a redesigned checkout interface with barcode display and copy-to-clipboard payment addresses. The companion consumer app extends payment utility to individuals in Nigeria and seven other African countries. Users can purchase airtime and mobile data bundles directly with cryptocurrency and access a gift card marketplace spanning over 14,000 global brands, enabling Africans holding crypto to reach international e-commerce and digital services that local payment infrastructure or currency restrictions may otherwise block.

Rio Trade is a stablecoin FX and liquidity infrastructure platform that enables institutions, fintechs, and exchanges to convert between Latin American local currencies and stablecoins in under one second through an API-first architecture. The platform handles the full conversion lifecycle — from real-time quote generation to on-chain settlement — across corridors connecting Mexican pesos, Colombian pesos, and Peruvian soles with USDC, USDT, and EURC on Solana, Ethereum, Polygon, and other networks. Rio replaces traditional correspondent banking channels — historically plagued by wide spreads and multi-day settlement windows — with programmatic FX execution over local banking rails. Partners integrate Rio's REST API into payment applications, neobanks, or treasury management systems to access tight algorithmic spreads, webhook-driven status updates, and full transaction traceability across the blockchain of their choice.

Topper is a fiat on-ramp and off-ramp built by Uphold that lets users buy or sell cryptocurrency directly to a self-custodial wallet. The platform never holds user funds; purchased assets route straight to the wallet address provided at checkout. Payment options include debit and credit cards, Apple Pay, Google Pay, PayPal, Venmo, PIX, and SEPA bank transfers across more than 150 countries. Buy-side fees run 0.99% for SEPA and 3.9% for card methods; off-ramp transactions cost 1.75% plus network fees. Solana ranks among Topper's most-traded assets, with direct integrations into Phantom wallet and Magic Eden. A B2B product called Topper Flex embeds the on-ramp inside partner interfaces; nine new integrations launched in 2025, including Uniswap, WalletConnect, and Polymarket. Topper holds regulatory licenses with FinCEN and OFAC in the U.S., the FCA in the UK, and FINTRAC in Canada.

Mular is a Lagos-based fintech app founded in early 2024 that lets Nigerian users hold cryptocurrency and convert it directly to Nigerian Naira deposited to any local bank account or mobile wallet. The platform operates its own liquidity layer, quoting live rates and charging a disclosed flat 1 percent fee, with settlements completing in under 99 seconds. By removing peer-to-peer exchanges from the equation, Mular eliminates counterparty risk and brings crypto-to-fiat payments into a familiar mobile banking interface where the blockchain layer is entirely abstracted. Users can pay, receive, and settle value in crypto while interacting with something that looks and functions like a standard Nigerian banking app.

Transak is a fiat-to-crypto and crypto-to-fiat payment gateway embedded in more than 600 wallets, exchanges, and decentralized applications. The on-ramp supports credit and debit cards, SEPA Instant, ACH, UPI, PIX, Apple Pay, and Google Pay across 160-plus countries, with transaction limits up to $75,000. Coverage spans 136 cryptocurrencies on 45-plus blockchain networks, with Solana as a first-class supported network. The off-ramp lets users settle crypto holdings directly to bank accounts, and Virtual Account Payments add named IBANs for instant settlement. In 2025, Transak added EURC and USDG stablecoin flows with 1:1 IBAN backing through MetaMask. Partners integrate via a pre-built widget or white-label API, giving their users a complete fiat gateway without leaving the application.

Transfero operates as Latin America's largest fiat ramp provider, connecting businesses to Brazil's Pix instant payment rail and cross-border networks through a unified API. The Payment Gateway lets merchants accept cryptocurrency and settle in local fiat, removing volatility exposure while preserving blockchain settlement speed. The company processed over 8.8 million transactions with 100 million USD in volume during 2025, serving clients across 168 payout markets. Supported currencies include BRL, USD, EUR, CNY, and MXN. The Banking as a Service layer handles Pix payments, wire transfers, and account management for businesses in Brazil without requiring custom banking integrations. An OTC liquidity desk built on Finery Markets' ECN supports large-volume fiat-to-crypto conversions. Together these products form a payment stack spanning local instant payments, cross-border multi-currency settlement, and programmable stablecoin rails.

TransFi is a payments infrastructure and orchestration platform that enables businesses to move money across borders using stablecoin settlement rails. Its BizPay product allows enterprise clients to collect locally in one country and disburse in another over USDC on Solana in under five minutes, connecting to more than 250 local payment methods across 70 countries including UPI, GCash, and PIX. By replacing correspondent-bank chains with blockchain settlement, TransFi eliminates the multiple intermediary hops that typically add days of delay and compounding fees to cross-border transfers. Enterprise clients integrate a single API to handle accounts payable, payroll, and vendor disbursement across more than 40 supported fiat currencies without building their own payment network stack.

Uniramp operates as a universal fiat-to-crypto onramp and offramp aggregator, connecting Solana applications to traditional payment rails through a single integration. The platform supports credit cards, Apple Pay, Google Pay, PayNow, SEPA bank transfers, and wire transfers, routing each transaction through whichever centralized provider or DeFi path delivers the optimal combination of cost, speed, and availability for that specific payment. Coverage spans more than 90 countries and over 100 fiat currencies, addressing the geographic fragmentation that makes single-provider solutions insufficient for globally-facing products. Provider fees range from as low as 0.49% to approximately 5.49% depending on the route selected, with the engine factoring in spread and network costs—not just stated percentages—to calculate the true all-in cost before committing to a path.

Trustee Plus connects crypto balances with everyday payment infrastructure through a physical and virtual Mastercard card issued in Great Britain. Cardholders can spend directly from their crypto balance at any Mastercard-accepting merchant, with support for Apple Pay and Google Pay. The card became free of monthly charges in May 2026, and an auto-top-up feature added in April 2026 replenishes the card automatically when the balance falls below a user-set threshold. The platform also lets users buy crypto with Visa or Mastercard bank cards and exchange between supported assets within the app. Binance Pay was integrated in January 2024, and exchange partners include Kraken, Binance, MoonPay, and WhiteBIT. Solana (SOL) is supported alongside Bitcoin, Ethereum, USDC, USDT, and other tokens, enabling users to fund spending or earn staking rewards on a balance they can access directly with the card.

Espresso Cash was designed from the outset around the practical use case of stablecoin payments with minimal friction. A distinguishing early feature was the ability to send USDC via a secure payment link, so recipients did not need the app installed to receive funds. Transfers settled on Solana for low fees and fast finality, and the wallet integrated Ramp Network for fiat on-ramps and off-ramps enabling conversion between local currency and USDC within the app. The current product direction adds permanent zero swap fees, AI-powered transaction planning that compares options and estimates fees and slippage before approval, and Gmail login with passkey signing to replace seed phrases. Geographic availability expanded in January 2024 to the United States, Europe, and Nigeria, with cash-out functionality letting users withdraw USDC as local currency. Built-in transaction simulation flags unexpected outcomes before any payment is approved.

BoomFi is a commercial-grade crypto payment infrastructure platform that enables merchants, SaaS businesses, iGaming operators, and financial services providers to accept digital-asset payments worldwide through a unified API and merchant dashboard. The platform abstracts multi-chain settlement, fiat conversion, and recurring billing, letting businesses accept crypto without building blockchain integrations from scratch. BoomFi's payment gateway supports no-code Paylinks shareable via email, QR code, or social media, an embeddable checkout flow, and a full developer API for programmatic payment management. Recurring billing runs through on-chain mandates that pull funds from customer wallets on each billing cycle, with settlement routed directly to merchant bank accounts via SEPA, FPS, SWIFT, ACH, and Wire.

CoinGate is a cryptocurrency payment gateway founded in 2014 that enables businesses to accept, convert, and settle crypto payments end-to-end. Customers pay in crypto, CoinGate locks an exchange rate and converts funds in real time, and merchants receive payouts in EUR, USD, GBP, or a preferred crypto asset. A flat 1% fee positions CoinGate below standard card interchange, with free SEPA payouts above a 50 EUR minimum. Solana support launched September 2, 2025, with SOL and USDC on Solana enabled by default for all merchants. CoinGate's own data shows SOL payments grew 66% year-over-year and Solana network transactions grew 94% from May 2024 through October 2025. The platform has processed over 7 million payments since founding, serving merchants across 180+ countries in verticals including web hosting, consumer goods, and VPN services.

ZKP2P is a non-custodial peer-to-peer marketplace that lets users convert fiat to crypto without a central intermediary. Buyers pay sellers directly through existing apps like Venmo, PayPal, Zelle, Cash App, Revolut, and Wise, while cryptographic attestations confirm those payments on-chain and trigger automatic smart contract release of escrowed tokens. No company ever holds both sides of a trade; the escrow-plus-attestation design enforces settlement entirely on-chain. The fee structure undercuts centralized on-ramp providers, which typically charge 3.5–4.5%; ZKP2P charges a taker fee of up to 0.95% plus an optional 0.5% bridge fee for cross-chain delivery. Sellers set their own exchange rates and earn a spread above market price, while buyers receive USDC, ETH, or SOL directly. The protocol is fully open and permissionless, offering a client SDK so developers can embed fiat-to-crypto onboarding into third-party applications.

CoinsPaid is an enterprise crypto payment gateway serving merchants and financial institutions since 2014. In 2024 the platform processed EUR 9.1 billion across more than 800,000 monthly transactions, generating EUR 32.4 million in revenue with profit margins above 50%. Merchants integrate via API or dashboard; CoinsPaid manages the full custody lifecycle — address generation, transaction monitoring, conversion, and settlement in fiat or crypto — with no direct user wallet required on the merchant side. The gateway supports over 140 cryptocurrencies including SOL, settling in more than 40 fiat currencies via automated conversion. Solana is actively supported as a payment currency, surfaced as a selectable option for merchant customers and benefiting from low block times and fees. CoinsPaid also offers Crypto PoS terminals for physical retail, CoinsPaid Enterprise for institutions building crypto services, and CoinsPaid Core for fintech developers requiring full key control over custody.

Confirmo is a MiCA-licensed stablecoin payment gateway enabling businesses to accept, settle, and disburse cryptocurrency across 141 countries, processing over 80 million USD monthly. The product suite covers merchant checkout with WooCommerce integration, structured inbound deposits for iGaming and forex clients, and batch payouts at 0.5% via REST API or no-code tools with no monthly or connection fees. The Solana-native Subscribe product uses the Subscriptions and Allowances program for recurring wallet-pull billing, supporting USDC and USDG through SPL and Token-2022 standards without card networks or custodial intermediaries. Dual Irish authorization as both a Crypto-Asset Service Provider under MiCA and a Payment Institution makes Confirmo among the first licensed stablecoin processors in Europe to hold both registrations simultaneously.

CPAY is a non-custodial crypto payment gateway enabling merchants, fintech operators, and high-risk industry verticals to accept cryptocurrency without third-party custody of funds. The platform generates unique on-chain addresses per order, monitors blockchain confirmations, and optionally auto-swaps settlements to stablecoins. Integration options include a full REST API, hosted checkout page, embeddable iFrame widget, and WooCommerce plugin, with a flat 0.5% incoming payment fee and volume-based discounts for high-throughput merchants. On-chain settlement routes directly to the merchant wallet address, eliminating CPAY as a counterparty and removing custody risk entirely. Over 100 assets are supported across eight blockchains including Solana, with new assets added within 24 hours on request. The Agentic Payments layer extends this to AI agent use cases through x402 protocol support and MCP Server integration for HTTP-native micropayments between autonomous software agents.

Interlace is a card-issuing and banking-as-a-service platform that converts crypto balances into globally accepted payment cards. The Cards as a Service product supports multi-BIN issuance of virtual and physical cards across 180-plus countries via a single API, with integration timelines of roughly two weeks. Interlace holds Visa Principal Member status, a designation most fintech intermediaries never reach, giving it direct access to Visa network rails. The CryptoConnect module handles crypto-to-fiat conversion across 40-plus currencies, while Wallet as a Service bridges on-chain stablecoin balances, including native USDC and USDT on Solana, directly to card-ready fiat without a separate off-ramp step. Banking as a Service adds multi-currency business accounts in USD, EUR, GBP, and HKD. By mid-2025, Interlace had issued more than 7 million cards, processed over 60 million transactions annually, and served 12,000-plus enterprise clients.

CryptoMate is a non-custodial fintech infrastructure platform built API-first to connect local payment rails with global stablecoin settlements, positioning Solana as a core settlement network for USDC and EURC transactions. Businesses integrate a single API to access local payment networks including SPEI in Mexico, PIX in Brazil, SEPA in Europe, and US bank rails, while settling on-chain across Solana, Ethereum, and Polygon. The platform issues VISA-branded virtual and physical cards that can be funded directly from on-chain stablecoin balances, and embeds financial functionality into messaging channels like WhatsApp and Telegram. Operating as regulated SaaS middleware under FinCEN registration and as a Circle Alliance partner, CryptoMate targets B2B customers — developers, enterprises, and financial service providers — seeking to offer compliant crypto payment infrastructure without managing bank relationships or card networks independently.

Cryptomus offers a crypto payment gateway as its primary business-facing product. Merchants integrate through a REST API, PHP SDK, or e-commerce plugins to accept payments in more than 100 cryptocurrencies and stablecoins. The gateway generates invoices, assigns static wallet addresses per customer, fires webhooks on payment events, and supports recurring billing and mass payout batches. Fees range from 0.4% to 2% by volume, with no added commission on withdrawals. An auto-convert feature settles received crypto into stablecoins at payment time, removing the need for a manual exchange step afterward. Average processing runs one to two minutes per Cryptomus documentation. A white-label option lets businesses deploy the gateway under their own branding. The service is available in roughly 200 countries, with exceptions including the United States and Russia.

EukaPay is crypto payment infrastructure for merchants, accepting Bitcoin, Ethereum, Litecoin, Solana, USDC, and USDT while settling in fiat currency. The platform locks exchange rates at checkout to eliminate volatility risk, converting received crypto into USD, EUR, GBP, or CAD. Payment channels include hosted checkout pages, payment links, a RESTful API with webhook delivery, QR-based point-of-sale terminals, and WooCommerce and Shopify plugins. EukaPay also supports invoicing, recurring billing, and a batch payout module for distributing crypto earnings to marketplace sellers or affiliates. Prepaid card issuance connects on-chain balances to traditional spending rails. Target industries include iGaming, forex platforms, online retail, and nonprofits, where crypto chargeback elimination is a structural advantage over traditional card processing.

Flexa is a crypto payments infrastructure platform that enables merchants to accept more than 99 cryptocurrencies and digital assets at the point of sale, with authorization completing in under one second and guaranteed settlement with no chargebacks. The platform uses a patented barcode checkout flow where a customer wallet generates a unique barcode, Flexa locks onchain collateral to cover the transaction, and the merchant receives payment in their preferred currency without exposure to price volatility. Recent milestones include Tap to Pay for crypto via NFC hardware wallets (February 2025), a USDC-native Base Pay checkout product (October 2025), and a European launch in July 2026. Merchant additions include Sheetz, Bealls, and a GK Software partnership whose retail POS platform covers approximately $425 billion in annual retail volume. Supported tokens span SOL, USDC on Solana, BONK, WIF, DRIFT, ORCA, and dozens of others across more than fourteen blockchains.

Foxbit has built a suite of payment infrastructure products that extend its reach from retail trading into consumer spending and business payment processing. Foxbit Card is a payment card that earns up to 1% cashback on purchases, allowing users to convert crypto holdings into everyday spending at merchants throughout Brazil. Foxbit Pay is a business-facing service enabling merchants and companies to accept cryptocurrency payments, while Foxbit Gateway provides a dedicated crypto payment integration for businesses embedding crypto acceptance directly into checkout or billing workflows. These products position Foxbit as a payment infrastructure provider rather than solely a trading venue. By combining a retail payment card with two distinct B2B payment processing products, Foxbit serves the full spectrum from individual consumers to enterprise merchants. PIX integration as the primary funding method for the exchange also keeps Foxbit tightly embedded in Brazil's broader payment ecosystem, linking traditional financial infrastructure with crypto-denominated settlement.

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.

InFlow Pay is a stablecoin-native Merchant of Record for cross-border SMBs, absorbing regulatory and tax obligations across markets so merchants avoid local entity registration. The platform collects payments via Visa, Mastercard, SEPA Open Banking, Faster Payments, Apple Pay, and Google Pay through hosted links, card forms, or a developer API. Settlement flows in USDC rather than through correspondent banks, cutting delays and hidden fees. Merchants withdraw to EUR, GBP, or USD bank accounts or to crypto wallets on Solana, Ethereum, Polygon, and Base. All-in pricing of 4% + $0.35 per transaction includes FX and international surcharges, averaging 53% cheaper than comparable processors.

NUMMUN is Minos Global's crypto and fiat payment gateway, designed for businesses that want to accept cryptocurrency payments without deep technical integration. The solution connects into Minos Global's existing custody and brokerage infrastructure, ensuring that merchants receive fiat settlement while the platform handles the underlying crypto mechanics. This settlement model abstracts away cryptocurrency volatility and operational complexity for business users. NUMMUN is one of six service areas available through the Minos Global white-label platform, alongside custody, exchange, order execution, placement, and order reception. Businesses access the gateway through the same modular CaaS API used by financial institutions for broader crypto service deployments, making it available as a standalone activation or as part of a more comprehensive institutional crypto offering within the European-regulated stack.

Payouts.com automates the complete money cycle for businesses across 190+ countries, combining mass payouts, accounts payable, accounts receivable, and treasury management in a single platform. Automated workflows deliver funds via ACH, SEPA, PIX, SWIFT, digital wallets, crypto, or prepaid cards in the recipient's local currency, replacing fragmented point tools. The platform's append-only ledger locks exchange rates before funds leave treasury, fixing local-currency amounts for each recipient. Businesses can fund payouts directly from USDC, USDT, or other crypto balances, with settlement arriving as a domestic bank transfer. AI agents handle invoice approvals, vendor onboarding, and recurring payout scheduling, processing over 12,000 tasks daily.

Radom is a crypto payments infrastructure company covering the full payment lifecycle—collection, settlement, conversion, and disbursement—across more than ten blockchains and twelve-plus cryptocurrencies, with native Solana support. Incorporated as Radom Pay LLC in the Cook Islands and registered with the Cook Islands Financial Intelligence Unit for AML/CFT compliance, it lets merchants accept digital assets without building blockchain infrastructure in-house. The product suite includes payment links, hosted and embedded checkout, itemized invoicing, subscription billing, crypto donation widgets, token presale infrastructure, and mass payouts for affiliate networks and gig platforms. Clients include Brave, Polkadot, Avalanche, and Raise, serving verticals from SaaS and iGaming to nonprofits. On Solana, Radom supports SOL, USDC, USDT, and BAT.

Ripe is a stablecoin payments and off-ramp platform purpose-built for Southeast Asia, enabling everyday spending of USDT, USDC, and USDG through the QR-code payment rails that local merchants already use. The platform reads banking information embedded in existing merchant QR codes and generates a blockchain address on the fly; the user sends stablecoins to that address and Ripe delivers fiat to the merchant's e-wallet, with no crypto knowledge or new software required from the merchant. Live across five markets—Philippines (GCash), Singapore (PayNow), Vietnam (MoMo), Malaysia (Touch n Go), and Thailand—Ripe is accessible inside Phantom, Backpack, MetaMask, OKX, and other wallets via pay.ripe.money. Ripe closes the loop between on-chain stablecoin balances and real-world commerce across Southeast Asia. The platform supports QR merchant payments, personal off-ramps, and payroll disbursements, broadening its utility beyond individual consumer spending. Backed by Alliance DAO, partnered with Tether and Circle, and registered as a FinCEN Money Services Business with AML and Travel Rule compliance, Ripe brings institutional-grade accountability to everyday payments. Its primary chain is Solana, whose sub-cent fees and sub-second finality suit micro-payments at scale.

Zypto centers on real-world crypto payments, offering virtual and physical Visa cards accepted in over 150 countries, bill payment with cryptocurrency, phone top-ups, and gift card purchases within a single self-custodial app. These features let users spend crypto holdings without routing funds through a centralized exchange or converting to fiat first. Zypto Pay, the merchant-facing gateway, accepts crypto through QR code or wallet-connect checkout flows with zero merchant-side fees and settlement options in crypto, local currency, or a combination of both. Merchants integrate through pre-built plugins for WooCommerce, PrestaShop, and Adobe Commerce, or via a physical point-of-sale terminal where customers scan a dynamic QR code. A white-label option allows businesses to deploy Zypto payment infrastructure under their own brand without building the underlying rails. The combined consumer and merchant layers position Zypto as a complete payments stack built on self-custody rather than a fintech intermediary.

Portal describes itself as stablecoin finance infrastructure, and its embedded wallet platform is built to let payment platforms, fintech apps, and exchanges offer users self-custody wallets with native stablecoin support. USDC, USDT, and other stablecoins are the primary payment medium flowing through Portal infrastructure, consistent with how the company positions itself relative to traditional financial services. The platform handles the full payment stack from wallet creation and key custody to token swaps and transaction signing, across more than 100 networks, while maintaining compliance-friendly features such as SOC 2 Type 2 certification and transaction screening through a Security Firewall module. Companies including PayPal, Bitso, and Wonderfi have integrated Portal infrastructure to deliver stablecoin payment capabilities to their own customer bases.

Safeheron's One-Stop Payment Solution (April 2025) packages MPC + TEE wallet infrastructure with stablecoin on-ramp and off-ramp services, AML/KYT screening, and automation tooling including an API Co-Signer and Auto Sweep function. Designed for payment service providers and digital banks building stablecoin payment infrastructure, the solution allows enterprises to maintain self-custody of private keys while conducting high-volume payment operations. The platform supports USDT and USDC across Bitcoin, Ethereum, Solana, TRON, and NEAR. Named partners including dtcpay, HashKey OTC Global, and RD Technologies use Safeheron's infrastructure, and client Infini — a stablecoin financial platform — reported that business volume tripled after integration. Monthly transfer volume exceeds $10 billion across 200+ enterprise clients as of end-2025.

Venly Finance is Venly's stablecoin payment infrastructure product aimed at fintechs, neobanks, and payment service providers that need to move money across fiat and blockchain rails. It enables organizations to collect, convert, hold, route, and pay out funds targeting cross-border payment flows. Native connections to Stripe, MoonPay, Transak, and Ramp Network provide fiat on-ramps and off-ramps for end users. Because Venly Finance sits on top of Venly's multichain API including Solana, payment flows can settle on whichever network offers the best cost and speed profile. Solana's average transaction fee of approximately $0.036 makes it a practical settlement layer for high-frequency payments. The broader Venly platform manages over $1 billion in assets across more than 4 million wallet users, and the stablecoin rails share the same SOC 2 and ISO 27001-certified infrastructure.

Deblock is a French crypto-native neobank that unifies a fully licensed euro current account with a non-custodial Web3 wallet inside a single mobile application. Users receive a French IBAN accepted for salary domiciliation, make free SEPA Instant transfers settling in under ten seconds, and spend via a Visa debit card anywhere Visa is accepted. The platform supports instant buy and sell across more than 200 crypto assets spanning ten blockchains including Solana, letting users move between euro balances and on-chain assets without switching apps. Launched publicly in France in April 2024, Deblock surpassed 300,000 customers by late 2025 and is expanding across Europe under its MiCA CASP licence.

Quppy brings crypto and fiat payments together in a single application, offering users virtual IBAN accounts that support SEPA, SEPA Instant, CHAPS, and Faster Payments rail access. International wires via SWIFT can top up the account, and users can receive euros or pounds directly into their IBAN before converting to or from supported cryptocurrencies. This unified interface eliminates the typical friction of moving value between a blockchain wallet and a traditional bank account, with in-app exchange covering BTC, ETH, LTC, BCH, USDT, USDC, and TRX. Beyond personal payments, Quppy extends its infrastructure to businesses through a B2B API, white-label fintech solutions, and merchant acquiring services. Mobile top-ups for phone accounts in over 140 countries add a global utility payment layer on top of the core banking and crypto exchange features. A prepaid card listed on the roadmap would further extend spending capability to point-of-sale. This breadth makes Quppy one of the more comprehensive crypto-fiat payment bridges serving European users who need regulated on- and off-ramp access alongside a Solana wallet.

Due is a London-founded cross-border payments platform that routes international transfers through regulated stablecoins — USDC, USDT, and EURC — connected to fiat rails including SWIFT, ACH, SEPA, PIX, and mobile money in more than 80 countries. Users hold multi-currency accounts and receive payouts in local currency within 24 hours or settle instantly in stablecoins, paying 0.5–1% per transaction versus the 4–6% correspondent banking norm. The platform is chain-agnostic, routing each payment across whichever of its supported networks — Ethereum, Solana, Avalanche, Base, Arbitrum, and others — offers the best combination of speed and cost for that corridor. Due holds financial registrations in Canada, Spain, Brazil, and the United States, including MiCA CASP authorization from Spain's CNMV, and maintains non-custodial wallets with biometric signing and built-in KYC/AML compliance.

Fipto is a French B2B fintech providing regulated payment infrastructure that unifies stablecoin settlement and traditional fiat rails through a single API. Businesses can send, receive, hold, and convert funds around the clock through named EUR and USD IBANs alongside USDC on Solana and EURC on Base and Ethereum. The platform serves payment service providers, crypto brokers, and enterprises that need always-on cross-border settlement without managing blockchain infrastructure directly. Core capabilities include single and batch transfers, SEPA Instant payments, real-time FX conversion, payment links, and rule-based treasury automation. Enterprise clients including TerraPay, Pandascore, and Argo Freight use Fipto across global payout networks, esports, and logistics industries. The platform reports 99.97% uptime and holds client funds in fully segregated accounts, meeting institutional requirements for regulated cross-border payment operations.

LINK is a real-time FX and stablecoin payment infrastructure platform that collapses fragmented cross-border payment rails into a single RESTful API covering 400+ currency pairs, local payout disbursement, and stablecoin settlement. Fintechs, neobanks, PSPs, and enterprises integrate once to access multi-currency conversion, local bank transfers, mobile money, and e-wallet payouts without managing individual banking relationships in each market. Checkout by LINK enables merchants to accept stablecoin payments while recipients receive local currency, and Virtual Accounts in development will accept payments in 16 currencies while auto-converting to USDC or USDT. The platform holds FINTRAC Money Services Business registration in Canada and additional regulatory licenses in other jurisdictions. LINK Business is a treasury dashboard for enterprises to manage multi-currency balances, monitor FX flows, and execute OTC trades at volume alongside a savings yield product. Supported stablecoins include USDC, USDT, NGNC, USDM, and USDY, with active fiat corridors covering pairs such as BRL/USD, KES/USD, and ZAR/USD. Settlement blockchain support spans Stellar, Polygon, Solana, Base, and Avalanche, with XRPL integration planned. LINK is a Circle Strategic Alliance Program member and 2025 USDC Grant recipient, and is listed in Tether's official payment infrastructure directory.

Borderless.xyz is a stablecoin orchestration and liquidity network that gives fintech companies and financial institutions a single API to access 15+ locally-licensed payment providers across more than 100 countries and 63+ fiat currencies. Rather than managing separate integrations with each provider, clients integrate once and gain access to the full network, with a target two-week time to go-live and no additional engineering work required for each new provider added. The platform routes each payment to the best available execution path based on real-time provider reliability scores and pricing benchmarks, eliminating the hundreds of basis points in inefficiency that comes from relying on one or two providers. Borderless charges a flat platform fee with no FX markups and no per-transaction charges, and clients retain their direct relationships with individual providers. A 2026 pilot with Mastercard tests the Crypto Credential framework for shared identity and compliance verification across the network.

Walapay delivers global payment infrastructure through a single API, enabling payment service providers, fintechs, and payroll processors to accept local payment rails and settle across 60+ currencies and 178+ countries. The platform selects the optimal route — ACH, SEPA, SWIFT, or stablecoin networks — at transaction time, eliminating the need for pre-funded nostro accounts across dozens of jurisdictions. Rather than building bank relationships country by country, clients integrate one endpoint to access multi-rail settlement with embedded compliance screening. Walapay has processed over $85 million in monthly transaction volume since its October 2024 launch, serving clients including Nuvei and Zarpay, and reports reductions in costs of up to 4x and settlement times of up to 10x versus correspondent banking.

BlindPay is a payment infrastructure platform that consolidates stablecoin acceptance, currency conversion, and local bank rail delivery into a single REST API call. The platform accepts USDC across Solana, Ethereum, Polygon, Arbitrum, Base, Stellar, and Tron, then delivers funds to recipients' bank accounts without requiring them to hold a crypto wallet. Supported fiat networks include Brazil's Pix, Mexico's SPEI, Colombia's PSE, US ACH, RTP, SWIFT, and SEPA for EUR payouts in Europe. The August 2026 Payables product extended the platform to pay invoices, PIX QR codes, utility bills, and tax slips directly from stablecoins. By July 2025 BlindPay had reached $46 million in monthly payment volume, growing to $450 million for full-year 2025 alongside $2 million in annualized recurring revenue. The company grew from two to fifty enterprise customers between 2024 and mid-2025. Backed by Y Combinator's Winter 2025 batch and a $3.8 million seed round with investors including YouTube co-founder Jawed Karim and LatAm exchange Bitso, BlindPay targets developers building stablecoin-native applications that need access to global banking connectivity without maintaining banking relationships themselves.