Crypto Payment Solutions

Alfred Pay is a B2B cross-border payments infrastructure company providing a single REST API that connects fintechs, crypto platforms, and enterprise clients to Latin America's local banking rails — Brazil's PIX, Mexico's SPEI, Colombia's NEQUI and PSE, and Argentina's COELSA — alongside real-time stablecoin settlement. Positioning itself as the "Stripe for Latin America," alfred removes the need for local legal entities or bespoke banking integrations, making LatAm payment access available through one developer-first connection. Payments operate through a stablecoin intermediary model: clients send USDC or USDT, and alfred delivers local currency via the appropriate domestic rail within minutes of on-chain confirmation. Virtual local accounts, real-time FX quotes, and on/off-ramp APIs complete the payment stack, and the platform had processed nearly four million transactions for 2.5 million users by early 2026, backed by a USD 15 million Series A in January 2026.

Reap provides global payment infrastructure connecting stablecoin treasuries to card networks and traditional bank rails, serving crypto exchanges, neobanks, import/export firms, and Web3 companies that need to move money across borders without converting digital assets to fiat. Its cross-border bill pay product converts stablecoin deposits into local fiat payouts via SWIFT, SEPA, or domestic payment rails across more than ten supported currencies. Embedded payment APIs allow neobanks and fintech platforms to white-label the same cross-border payout infrastructure under their own brand. Reap's Visa corporate cards are backed 1:1 by USDC or USDT collateral and accepted wherever Visa operates, with monthly repayments settleable in stablecoins or fiat. The company holds Visa Principal Member status in Hong Kong and Mexico, enabling direct card issuance without a bank intermediary. Finance teams set spending controls at the card level by merchant category, location, and time of day, supported by Chainalysis compliance monitoring and Fireblocks custody for digital assets.

Lemon's flagship product is the Lemon Visa prepaid card, available in both virtual and physical form, which allows users to spend their crypto and stablecoin holdings directly in everyday transactions. The card works for international purchases, QR-based payments in Argentina and Brazil, and standard point-of-sale use cases, with Bitcoin cashback earned on every qualifying transaction. Lemon also eliminated the 30% Argentine tax that traditionally applies to international purchases made in pesos, giving cardholders transacting in digital dollars a meaningful cost advantage over traditional bank cards. As of 2025, Lemon processes more than seven transactions per second across its user base of nearly 5 million accounts in Argentina and Peru, with expansion ongoing across Colombia, Mexico, Brazil, Chile, Ecuador, and Uruguay. The card and payments infrastructure represent Lemon's primary bridge between the crypto and DeFi products it offers and the everyday financial needs of its Latin American user base. With 9.3 billion USD in projected total processed volume for 2025, Lemon's payment rails handle a transaction flow that places it in direct competition with Binance for daily financial engagement in Argentina.

TruBit Wallet connects to Mexico's SPEI interbank network, allowing users to fund accounts directly from a local bank account and instantly access digital assets. The platform issues a TruBit Card — a Mastercard prepaid card earning 5% Bitcoin cashback on purchases — alongside P2P transfers by email or phone number and an Earn+ interest program. In April 2025, TruBit joined the Circle Payments Network as one of the only LATAM participants, contributing to shared APIs and real-time settlement standards using USDC and EURC. TruBit Business extends these capabilities to institutional clients through OTC block trades and a Block Trade API. The company holds compliance designations in Mexico, Argentina, Brazil, Colombia, and Peru, with SPEI integration subject to Banxico oversight. Custody has been handled exclusively by Cobo since founding in 2020, certified to SOC 2 Type 2 and ISO 27001, with TruBit reporting zero security incidents across five years of operation.

WhiteBIT launched the Nova Visa debit card in December 2024, allowing users to spend crypto balances directly in everyday purchases without first converting to fiat. Fiat on and off ramps support USD, EUR, and GBP through credit and debit cards, Apple Pay, Google Pay, SEPA transfers, and SWIFT bank wire. This payment infrastructure covers both entry and exit for retail users, including those holding Solana (SOL) on the platform. With a full MiCA license secured in June 2026 and more than 35 million users across 190+ countries, WhiteBIT serves as a regulated gateway for converting fiat into SOL and other cryptocurrencies. The Nova card provides a spending mechanism in the opposite direction, enabling everyday purchases directly from crypto balances. For Solana holders, WhiteBIT's fiat and payment rails offer one of the most complete regulated on and off-ramp experiences available in the European market.

VALR Pay enables free cryptocurrency transfers between VALR users and supports payments at more than 31,000 stores and over 700,000 locations across South Africa through Zapper, Scan-to-Pay, and Peach Payments integrations. The exchange frames this infrastructure as a response to Africa's financial access gap, where cross-border remittance costs reach up to 20 percent in some corridors. In April 2026, VALR partnered with Onafriq to connect to mobile money networks across 43 African markets, including M-Pesa and MTN MoMo. VALR reports more than 15 billion USD in annual stablecoin volumes and ranks among the top ten global USDC minters, reflecting significant stablecoin-denominated payment and settlement activity on the platform. The exchange holds a Third Party Payment Provider license from South Africa's Financial Sector Conduct Authority and expanded into Kenya in May 2026, coinciding with Kenya's new VASP regulatory framework. These licenses and partnerships establish VALR as a regulated payments infrastructure provider across the African continent.

Slash Vision Labs builds crypto payment infrastructure that lets merchants accept any cryptocurrency at point of sale, converting it on-chain to their preferred settlement currency via decentralized liquidity pools and smart contracts. The Slash Payment gateway eliminates the traditional payment processor intermediary, allowing merchants to avoid conventional transaction fees while still receiving stable value. By late 2024 the gateway had been adopted by over 4,000 merchants, with both plugin and API integrations available for web-based businesses adding crypto checkout. The Slash Card extends this payments infrastructure to consumers: a Visa-branded prepaid card linked to a self-custodied USDC wallet that settles at any Visa-accepting merchant worldwide. Launched in Japan in April 2026 in partnership with Orient Corporation (Orico) for regulated BIN sponsorship, the card preserves self-custody of funds up to the moment of spending, bridging decentralized finance with everyday commerce under a compliant regulatory structure.

Mercado Bitcoin has built payment infrastructure around Brazil's native PIX real-time payment network, allowing all fiat deposits to settle instantly without fees. TED and DOC bank transfers are also supported for fiat on-ramps, giving users multiple routes to convert Brazilian Real into digital assets. In October 2025, the exchange publicly articulated a pivot toward becoming a full financial super app, with payments infrastructure and remittances listed as explicit components of its expanded service offering. The exchange's API integration layer allows institutional clients and businesses to connect programmatically to MB's liquidity and custody infrastructure for settlement and payments use cases. As Brazil's oldest and largest cryptocurrency exchange with 3.8 million registered users and Central Bank authorization as a payment institution, Mercado Bitcoin occupies a meaningful position in the Brazilian digital payments ecosystem. PIX integration is particularly significant given that PIX has become the dominant real-time payment method in Brazil. The exchange's standard spot trading fees of 0.30% maker and 0.70% taker, with volume tiers dropping to 0.015% maker and 0.25% taker for high-frequency users, enable low-friction conversion between BRL and digital assets including SOL, Bitcoin, and Ethereum. Withdrawal fees carry no platform-side charge, further lowering the cost of moving value in and out of the crypto ecosystem through regulated Brazilian infrastructure.

Bitso operates cross-border payment rails across Mexico, Brazil, Colombia, and Argentina, using stablecoins and cryptocurrencies as the underlying settlement layer to reduce the cost and friction of traditional transfer channels. Recipients receive local currency on the other end, making the flow as seamless as a domestic transaction. Bitso Business extends this infrastructure to enterprise customers needing B2B payment rails and corporate treasury management. The platform also issues a Visa debit card in select markets, allowing users to spend stablecoin and crypto balances at merchants worldwide, connecting blockchain-based payments to everyday commerce.

In November 2025, PDAX partnered with Toku to enable stablecoin payroll, allowing employers to compensate remote workers and contractors in stablecoins directly through the platform. This extends PDAX's role beyond spot trading into the payment infrastructure needed to support a distributed workforce receiving wages in digital assets. The GrabPay integration activated in July 2025 allows users to fund ride-hailing and delivery wallets using cryptocurrency through PDAX, connecting digital asset holdings to everyday consumer spending. PDAX supports USDC across Solana, Ethereum, Stellar, and Polygon, giving businesses and individuals multiple stablecoin payment rails with direct peso conversion available through the platform's order books.

Maya is a BSP-licensed digital financial platform that has integrated cryptocurrency payments into the Philippines' mainstream payment ecosystem. Through its VASP license and a partnership with Lydian — backed by Tether and Cantor Fitzgerald — Maya enables merchants to accept stablecoin payments with same-day Philippine peso settlement. The platform processes transactions via QR codes, payment links, and online checkout flows, serving as the dominant digital payment processor in the country with over 55,000 agent touchpoints nationwide. Maya's crypto payment infrastructure is designed to eliminate friction between digital asset ownership and everyday commerce. Users can direct their crypto balances toward purchases at Maya-enabled merchants while businesses receive fiat settlement, removing volatility and custody risks. With the Philippines ranking among Asia's highest for retail crypto ownership, Maya's position as the country's leading digital payments platform gives this crypto acceptance layer immediate scale and a compliant, regulated framework — including wallet screening, Travel Rule reporting, and BSP-aligned disclosures.

Maxbit gives Thai retail and professional investors a regulated, SEC-licensed route to buy, sell, and hold digital assets using Thai baht. Supporting over 80 assets and more than 100 trading pairs, the platform covers major cryptocurrencies alongside gold-backed digital assets such as Tether Gold (XAUt), enabling direct exchange between baht and a wide range of digital instruments under formal domestic oversight. For large transactions, Maxbit operates an OTC desk offering guaranteed pricing without market slippage, with fees starting at 0.1% of transaction value. Its Auto DCA feature allows users to schedule recurring baht purchases of chosen assets — including BTC, ETH, BNB, and SOL — at fixed amounts on daily, weekly, or monthly intervals, providing a systematic mechanism for converting fiat to digital assets without requiring active trading.

MaiCoin Group operates MaiCoin Pay, a merchant payment service that enables businesses to accept cryptocurrency payments including stablecoins and major digital assets. This product extends the group's footprint beyond exchange services into payment infrastructure, complementing MaiCoin's existing same-day New Taiwan Dollar fiat on- and off-ramp capabilities. The combination positions MaiCoin Group as both an investor-facing exchange and a merchant-facing payments layer within Taiwan's digital asset market. The group also operates AMIS Custody Solution, an enterprise-grade blockchain infrastructure service with customizable wallet architectures serving more than 2,000 enterprise clients. Together with MaiCoin Pay, AMIS represents the B2B payments and custody stack that complements the group's retail and professional trading platforms. MaiCoin Group was founded in 2013 and holds FSC AML registration, providing enterprise clients with a regulated domestic counterparty for digital asset payment and custody services.

Chipper Cash operates a multi-product financial services platform that extends beyond peer-to-peer transfers into a broad payments infrastructure for African consumers and merchants. The company has issued more than one million virtual Visa cards, allowing users to shop online at global merchants, pay for international subscriptions, and transact in markets otherwise inaccessible through local banking. Business accounts launched in Ghana in July 2025, extending the platform's payment capabilities to merchants and positioning Chipper as a payments layer for commerce as well as personal finance. On-chain payment functionality is woven into the platform through support for USDC and USDT on the Solana network and other chains, enabling low-cost dollar-denominated transfers across African borders. Chipper was named a launch partner in Africa for Ripple's RLUSD, a regulated USD-backed stablecoin, in September 2025, and partnered with Stable in December 2025 to implement StableChain as a stablecoin payment layer targeting Africa's $96 billion annual remittance market. Western Union was integrated as a transfer channel in July 2025, rounding out a payments stack that combines global card rails, blockchain settlement, and traditional remittance networks within a single mobile application.

HIFI is a composable stablecoin payments infrastructure platform that gives developers and financial teams the building blocks to launch compliant payment products without constructing fiat rails, compliance frameworks, or custody arrangements from scratch. Its three-pillar architecture — Inflows, Controls, and Outflows — covers the full money lifecycle: accepting deposits from bank accounts, cards, and crypto wallets; running built-in sanctions screening and approval workflows; then routing funds via ACH, RTP, FedNow, FedWire, SWIFT, in-country rails, or direct stablecoin transfers. What distinguishes HIFI in the crypto payments landscape is the depth of its compliance integration. As a registered Money Services Business with SOC 2 Type II certification and KYC/KYB embedded directly into the onboarding flow, HIFI handles the regulatory overhead that typically blocks fintech teams from deploying stablecoin payment products at scale. With over $6 billion in annualized volume, support for 150-plus countries, and stablecoin-to-local-currency settlement available in more than 60 countries, HIFI is one of the more operationally scaled stablecoin payment infrastructure providers connected to the Solana ecosystem.

Ripio traces its origins to 2013 when it launched as BitPagos, a Bitcoin payment processor in Buenos Aires, making payments a core part of its business from the start. The Ripio Card, a Visa-branded crypto debit card, extends this to everyday spending, converting cryptocurrency holdings at point of sale with 2% cashback at any Visa merchant. Users across Argentina, Brazil, Mexico, Colombia, and Chile can also buy and sell SOL directly against local fiat currencies through the Ripio App. Ripio's Crypto as a Service B2B product allows businesses to integrate cryptocurrency payment functionality into their own applications using Ripio's infrastructure and liquidity, including tokenization capabilities. The platform holds operating licenses across eight jurisdictions including a US Money Transmitter License and registration with Spain's Banco de Espana, underpinning compliant payment processing at scale. This positions Ripio as a licensed payments gateway connecting Latin American consumers to the broader crypto economy.

Luno integrates a payments feature that allows customers in select markets to spend cryptocurrency directly on everyday purchases such as groceries and fuel via QR code, settling transactions without requiring manual conversion beforehand. The platform supports approximately 27 cryptocurrencies including USDC, and the Payments product draws on a user's crypto balance to complete real-world point-of-sale transactions. Beyond direct crypto spending, Luno functions as a fiat onramp for users across more than 40 countries, providing a regulated path from local currencies into digital assets across emerging markets in Africa and Southeast Asia. For millions of customers in South Africa, Nigeria, and Malaysia — where decentralized alternatives face regulatory or user-experience friction — Luno serves as a practical entry point connecting fiat payments infrastructure to the broader crypto economy.

Kima Network's Universal Payment Rail is a single API enabling developers to settle payments across bank accounts, stablecoins, and CBDCs without building chain-specific integrations. Designed for fintech companies and payment processors, it delivers on-chain settlement without requiring organizations to stand up their own blockchain infrastructure. The protocol charges 0.05 percent on transfer volume, distributed among liquidity providers, validators, and the Kima Foundation. Kima raised 6 to 7 million dollars from investors including Finsec Innovation Lab, a Mastercard-affiliated fintech accelerator, alongside Blockchange, Permanent Ventures, and Outlier Ventures. Its non-custodial architecture and zero-knowledge proof integration serve institutions needing high-throughput settlement that meets regulatory auditability requirements. Team members draw on experience from Deutsche Bank and HSBC, reflecting the protocol's focus on bridging traditional payment infrastructure with on-chain rails.

CoinFlip operates one of the world's largest cryptocurrency ATM networks by transaction volume, with more than 5,500 kiosks across 48 US states, Puerto Rico, and eight additional countries including Canada, Australia, New Zealand, South Africa, Italy, and Spain. Customers buy or sell over a dozen digital assets including Bitcoin, Ethereum, and Solana using cash, completing transactions in minutes with no prior exchange account or technical blockchain knowledge required for small purchases. Beyond the kiosk network, CoinFlip offers a consumer mobile wallet supporting bank card and PayPal purchases, and an OTC trading desk called CoinFlip Preferred for larger buyers with bank wire settlement. The OTC desk added same-business-day USDT on Solana settlement, giving traders a fast fiat gateway into the Solana ecosystem. These products together form a vertically integrated cash-to-crypto payments platform accessible to retail users without bank accounts or exchange logins.

CFX Labs operates payment infrastructure built around MoveUSD, its regulated dollar stablecoin on Solana. The Payouts product connects to disbursement networks covering more than 220 markets globally, routing dollars to local currencies and banking networks for cross-border supplier payments, contractor payouts, and invoice settlement. MoveMoney, an embedded wallet product, lets businesses integrate USD payment capabilities directly into their own applications without building payment infrastructure from scratch. CFX Labs holds U.S. Money Services Business registration and NMLS credentials, positioning it to serve enterprise clients requiring compliant payment partners. Cash Loading capabilities allow physical dollars to be loaded at more than 80,000 U.S. retail locations, completing an access layer that bridges cash-dependent users to on-chain dollar infrastructure.

Palisade delivers enterprise-grade wallet-as-a-service infrastructure purpose-built for stablecoin and digital-asset payment flows. Its REST API lets fintechs, payments companies, and crypto-native businesses spin up wallets at scale and process high-frequency on- and off-ramp transactions without building their own key management systems. The platform's support for USDC on Solana puts it at the center of one of the most active stablecoin settlement rails in the industry, where transaction throughput and sub-cent fees make real-time settlement commercially viable. Acquired by Ripple in November 2025, Palisade now operates as Ripple's Wallet-as-a-Service offering, extending Ripple's cross-border payments infrastructure with fast operational wallet capabilities. Its built-in AML compliance tooling, configurable counterparty whitelists, and subscription payment support make it a complete backend for regulated payments companies — firms that need programmable, policy-enforced control over stablecoin corridors at high transaction volumes rather than a consumer-facing wallet.

Infini is a stablecoin-powered financial operating system for borderless businesses, launched in June 2024 and headquartered in Hong Kong. The platform accepts incoming payments via crypto wallets and Binance Pay at a 0.3% settlement fee, and issues virtual corporate cards that integrate with Apple Pay and Google Pay. Cards settle in USD, EUR, and stablecoins, with per-card spending limits and an AI-assisted expense categorization layer to manage distributed team spending across borders. The payouts layer supports cross-border disbursements to teams and vendors in more than 180 countries across over 30 supported currencies. Infini holds SOC 2 Type II and PCI-DSS Level 1 certifications and uses Cobo, a multi-party computation wallet provider with ISO 27001 certification, for institutional-grade asset custody. In May 2026, Infini secured Money Services Business registration with FINTRAC Canada, covering foreign exchange, money transfer, and virtual currency services. The platform reports more than 100,000 users across 180-plus countries.

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

Fiahub operated as a Vietnamese Dong-to-crypto payment gateway from April 2018 to July 2026. The exchange partnered with more than 50 domestic banks — including Vietcombank, BIDV, and Techcombank — enabling retail users to buy digital assets with as little as 60,000 VND, approximately 2.50 USD. Over eight years, the platform accumulated more than 180,000 registered users across its two service tiers, offering access to over 100 digital assets. Fiahub suspended Vietnam operations on July 31, 2026, after regulatory changes under Resolution 05/2025/NQ-CP established capital and ownership requirements that proved incompatible with its bootstrapped structure.

Bitlo functions as a primary Turkish Lira fiat gateway to digital assets, offering zero-fee TRY deposits and withdrawals through domestic bank accounts to reduce friction for retail investors. This direct fiat integration removes the foreign-exchange conversion step that burdens users of international exchanges, making Bitlo one of the most cost-effective on-ramps for Turkish investors. The SOL/TRY trading pair allows users to move directly between lira and Solana without an intermediate USD conversion, simplifying purchasing and tax accounting in local currency. In June 2026, a Ripple partnership expanded Bitlo's stablecoin offerings with RLUSD for institutional clients, further broadening the payment and settlement options available on the platform.

Nubank's in-app crypto swap feature brings seamless digital-asset transactions to the bank accounts of more than 131 million customers across Latin America, sitting at the intersection of traditional banking and on-chain payments. Launched in November 2024, the "Trocar" tool lets customers exchange Bitcoin, Ethereum, Solana, and Uniswap tokens directly for USDC without converting through fiat, cutting fees and settlement friction for a population with historically high transaction costs. The NuCripto platform supports approximately 29 digital assets and has accumulated over seven million active crypto users, with Solana featured alongside BTC and ETH. Nubank's position as the largest private-sector bank in Brazil and third-largest in Mexico by customer count means its crypto payment tools effectively extend Solana's reach to one of the world's most significant emerging-market banking audiences.

Blockroll is a multi-currency payments platform using USDC and USDT stablecoins as primary settlement rails alongside fiat currencies. Built for users in Nigeria and Sub-Saharan Africa, it enables payments and conversions across NGN, USD, EUR, USDC, and USDT from a single dashboard. Selected into the Circle USDC Grant Program in July 2024, the platform is listed in the Circle Alliance Directory as a stablecoin-powered payments partner focused on the Middle East and Africa region. Users transact via a Pay Tag username handle for instant free transfers, a virtual and physical USD Visa card for purchases, and a smart invoicing system that accepts any supported currency. Blockroll covers gas fees and routes transactions across multiple chains including Solana, Polygon, Base, and Aptos. Operating as a non-bank financial technology layer partnered with licensed financial institutions, it applies KYC verification and end-to-end encryption to all transactions.

BSOS's Velaro platform sits among the more enterprise-focused stablecoin payment networks in the Web3 landscape, routing B2B cross-border transactions through a stablecoin settlement layer that eliminates foreign-exchange exposure and correspondent-banking delays. Backed by Tether through a 2024 strategic partnership, Velaro targets Latin American trade corridors with built-in KYB, KYC, and AML verification baked into the payment flow. What distinguishes Velaro from generic crypto payment rails is its programmable escrow logic: funds are held in enterprise-grade third-party custody and released on predefined conditions, reducing counterparty risk for both sides of a trade. With over 300 enterprise clients and $15 million in monthly financing demand behind it, BSOS brings substantial operational credibility to the stablecoin payments space.

AgenteBTC is a Peruvian crypto fintech founded in September 2019 that pairs a smartphone wallet with the KasNet physical agent network. Through approximately 13,000 participating retail locations, users convert physical cash into digital assets with no bank account required. The platform supports Bitcoin, Ethereum, Solana, Cardano, Polygon, Tether, Shiba Inu, and Dogecoin. Its tagline connecting all LATAM with one wallet reflects expansion ambitions across Latin America. AgenteBTC targets the unbanked and underbanked population of Latin America, where traditional financial rails require IDs, credit histories, and bank branches that many communities lack. The cash-based on-ramp removes barriers that prevent most crypto exchanges from serving this demographic. The company reported approximately $700,000 in annual recurring revenue for 2024. A December 2024 seed investment from Tether Investments made AgenteBTC the first Peruvian startup backed by the USDT issuer.

Rail is a regulated payment infrastructure platform that unifies fiat and stablecoin transfers behind a single API, designed for B2B cross-border transactions. Founded in Toronto in 2021 and acquired by Ripple for $200 million in August 2025, Rail routes payments through stablecoins including USDC and USDT, targeting T+0 same-day finality against SWIFT's two-to-five business day settlement standard. The API connects banks, licensed exchanges, custodians, stablecoin issuers, and blockchain networks — including Solana, Ethereum, and XRP Ledger — through a single interface, regardless of whether a payment routes through ACH, SEPA, Fedwire, or a blockchain rail. Virtual accounts eliminate the need for end users to manage exchange accounts or wallets. By mid-2025, Rail reported processing roughly 10 percent of global B2B stablecoin payments, or approximately $3.6 billion in annual volume.

Striga is an API-based payments infrastructure platform that enables businesses to build crypto and fiat payment products across Europe. It provides SEPA and SEPA Instant connectivity via virtual IBANs, Visa card issuing tied to crypto and fiat balances, and crypto custody for Bitcoin including Lightning Network, Ethereum, and USDC on Solana, Base, and Polygon. The platform handles on-ramp and off-ramp flows within a single API integration. Now operating as Lightspark Europe after its October 2025 acquisition, Striga has processed over $200 million in total payment volume and moved more than 2,000 Bitcoin in under 28 months. It serves over 50 fintech and crypto companies building compliant payment products across the EEA. Striga is a registered partner in Circle Alliance Directory, confirming verified USDC integration including Solana-based deposits and withdrawals.

Bitwave includes a stablecoin payments product built for enterprise B2B workflows rather than individual transactions. The platform enables non-custodial crypto invoicing and payment collection with configurable multi-step approval flows, allowing treasury teams to route payment authorizations through internal teams before funds move on-chain. Cross-border payment use cases are supported without reliance on centralized custodians. The payments product targets enterprises that want to use stablecoins for actual operating transactions rather than for speculative or accounting purposes only. Because payment execution is built into the same platform as the accounting subledger, each settled payment automatically generates its corresponding general ledger entry, connecting treasury operations to the month-end close without manual reconciliation.

BiLira operates BiLira Kripto, a retail cryptocurrency exchange built for Turkish-speaking users, supporting 24/7 trading of BTC, ETH, SOL, USDC, USDT, AVAX, and TRX using either TRYB or traditional fiat payment methods. A dedicated product called BiLira Direct handles fiat on/off-ramping between Turkish bank accounts and the broader crypto ecosystem, functioning as an embedded payments gateway for domestic users. The platform includes a Rewards Hub loyalty program for active traders and has listed USDY, a tokenized US Treasury-backed yield instrument, giving Turkish users on-chain access to dollar-denominated yield without leaving the BiLira platform. The TRYB stablecoin underpins BiLira's payments infrastructure by enabling on-chain settlement in Turkish Lira without requiring conversion to a USD-denominated asset first. Turkey processes roughly $200 billion in annual crypto transactions, and BiLira serves this market by reducing the frictional conversion steps that affect Turkish participants entering DeFi on Solana and other networks. BiLira is headquartered in Maslak, Istanbul, raised a $2.5 million seed round in April 2022 led by Alameda Research, and is listed as a Circle Alliance partner reflecting cooperation between TRYB and USDC infrastructure.

BitPay is one of the world's oldest and largest cryptocurrency payment processors, founded in 2011 and serving both merchants and consumers across more than a hundred cryptocurrencies and multiple blockchain networks. Businesses integrate BitPay through a REST API, e-commerce plugins for Shopify, WooCommerce, and Magento, or hosted checkout links to begin accepting cryptocurrency from customers worldwide. BitPay handles conversion and settlement automatically, depositing proceeds in fiat to a bank account or in crypto to a merchant wallet, without requiring merchants to manage private keys or exchange accounts. Supported networks include Bitcoin, Ethereum, Solana, Arbitrum, Optimism, and Base, giving merchants a broad range of accepted payment options. On the consumer side, BitPay's self-custody wallet app lets users buy, store, swap, send, and spend cryptocurrency in everyday life. A prepaid card backed by the user's crypto balance, a browser extension for online shopping, and in-app gift cards from over 250 brands extend spending into physical and digital retail. The platform also supports bill payments for credit cards, mortgages, and other recurring expenses using cryptocurrency. BitPay processes hundreds of millions of dollars in annual volume and holds a BitLicense from the New York State DFS plus MiCA authorization in Europe, making it a regulated payment layer for merchants globally.

Aquanow's Aquapay product line enables institutional clients to build and operate stablecoin payment services on behalf of their customers. The Send product powers fiat-to-stablecoin payouts using USDC or USDT, the Receive product allows merchants to accept stablecoin payments and settle in fiat, and the Manage product provides hosted wallet infrastructure for stablecoin balance management. CFD platforms and online brokers can also enable customers to fund accounts with SOL, BTC, ETH, XRP, USDC, and USDT, with built-in conversion to fiat. Real-world deployments include a partnership with Emirates NBD to power cryptocurrency trading in its Liv X mobile app and a collaboration with Hubpay to launch the UAE's first fully regulated crypto payment gateway for businesses and SMEs. Aquanow also supports an AED-USD stablecoin conversion framework between AE Coin and USDU, reflecting its role as regulated payment rails infrastructure serving institutional clients across more than 50 countries.

Asterium operates a crypto payments layer that connects its licensed exchange infrastructure to Uzbekistan's existing merchant ecosystem, allowing businesses to accept digital assets without directly handling crypto volatility. Confirmed integrations include Rahmat, Uzbekistan's largest digital payment platform, enabling crypto payments at cafes and restaurants, and the Octobank merchant network, covering airline ticket purchases through Centrum Air and Qanot Sharq airlines. The platform handles settlement, compliance, and backend processing on behalf of merchants, abstracting the technical complexity of crypto acceptance into a compliant payment flow. Asterium's stated strategic goal is shifting digital asset usage from speculative trading toward everyday spending, positioning regulated crypto as a functional payment rail for Uzbek consumers. Planned expansion targets major CIS retailers and Uzbek supermarket chains, building on the country's zero-tax crypto framework through 2029.

Trace Finance is a regulated financial infrastructure company that enables cross-border payments across Latin America and emerging markets by connecting stablecoin settlement to local banking rails. Its payments API routes transactions through domestic networks — Pix in Brazil, SPEI in Mexico, ACH in the United States, and SEPA in Europe — across more than 15 countries, bypassing slow and expensive correspondent banking intermediaries. Settlement completes in under a minute during business hours, and Brazil's Pix integration keeps the system live 24/7 including weekends and holidays. By mid-2026 Trace had processed over $10 billion in institutional cross-border volume and was the primary infrastructure provider for the four largest global payment providers in Latin America, including dLocal. Clients such as OKX, Bybit, Pagseguro, FalconX, and Yellowcard use the platform for programmatic payment execution with full KYC screening on beneficiaries and automated AML monitoring, all accessible through a single API with real-time webhook events covering the full lifecycle of payment operations.

RebelFi targets the B2B payments layer by converting settlement float into yield-bearing DeFi positions for fintechs, neobanks, and payroll platforms. Its primary market is operators processing five million to five hundred million dollars per month in stablecoin volume — large enough to benefit from yield on float but below the scale where direct DeFi integration becomes cost-justified. Integration is delivered via a TypeScript SDK and REST API, with a claimed two-to-four-week implementation timeline compared to three-to-six months for direct protocol integration. Beyond yield, RebelFi offers a Secure Transfers protocol that adds programmable escrow logic to B2B payment workflows. Funds can be locked with conditional release rules including milestone-based triggers, cancellation windows before a recipient claims, and staged releases tied to delivery confirmation. Use cases include supplier invoice payments, trade finance, e-commerce buyer protection, and marketplace payment rails. Funds in escrow continue to earn yield while awaiting release conditions.

Januar provides regulated payment infrastructure for crypto businesses, offering named IBAN accounts in EUR and USD backed by SEPA payment rails. As a Payment Institution licensed under PSD2 by the Danish Financial Supervisory Authority, it issues German, Danish, Luxembourg, and UK IBANs and executes inbound and outbound SEPA transfers. Accounts integrate directly with crypto conversion, letting businesses move between fiat and digital assets through a single provider without switching platforms. The company's embedded accounts product enables exchanges, wallets, and crypto-native fintechs to offer white-labeled IBAN infrastructure to their own customers via API, extending regulated fiat rails into crypto-native products. Licensed to passport services across all 30 EEA markets, Januar addresses the structural gap left by traditional banks, which routinely reject crypto businesses over regulatory risk. Its supported asset set includes SOL, BTC, ETH, USDC, EURC, USDT, and TRX, making it directly usable by Solana-based companies that need European fiat infrastructure and on/off-ramp capability.

Advanced Payment Solutions (APS Money) connects merchants to card networks, crypto exchanges, digital wallets, and on-chain settlement across 60-plus blockchains — including Solana — through a single API integration. Supported platforms include Binance Pay, KuCoin Pay, Bybit Pay, Coinbase, OKX, Bitget, MetaMask, and Trust Wallet alongside Visa, Mastercard, JCB, and UnionPay card schemes. APS handles routing, settlement conversion, and reporting on the back end so merchants receive funds in their preferred currency without holding or managing digital assets. Real-time settlement and a zero client-balance model suit e-commerce operators, licensed brokerages, and financial platforms that need multi-rail payment acceptance under one integration.

Toku is a global payroll and employment infrastructure platform built for crypto-native organizations, enabling teams to pay employees and contractors in stablecoins and tokens across more than 100 countries. Founded in 2021 by Kenneth O'Friel and Dominika Stobiecka, the platform operates as an Employer of Record and Agent of Record, layering stablecoin disbursement on top of local legal compliance infrastructure. Companies fund payroll via bank wire, ACH, or existing stablecoin balances, then approve and distribute through a unified dashboard. Recipients receive payment in their preferred form: stablecoins transferred directly to a self-custodied wallet, or local-currency fiat deposited to a bank account, with itemized conversion fees disclosed upfront. Toku supports USDC, USDT, USDG, and RLUSD as primary payment assets and integrates natively with ADP, Workday, Gusto, UKG, SAP, Paychex, Quickbooks, Rippling, and Deel. On Polygon, the platform processes over 1 billion USD in annual stablecoin payroll volume, and also supports disbursement on Solana and Sei. A Visa card feature allows recipients to spend their stablecoin balance at 150 million merchants globally on the day payroll settles.

Stablepay is an on-chain payments network for Africa that lets users spend USDC from their crypto wallets while merchants receive settlement in local currency through mobile money rails. The platform's settlement engine handles USDC-to-local conversion and routes funds via M-Pesa and other mobile network operators in real time, without requiring merchants to manage digital assets. Stablepay is currently live in Ghana, Kenya, Nigeria, South Africa, and Uganda. The Payment API allows fintechs and financial institutions to embed stablecoin-to-local-currency rails into their own products, with endpoints for payment creation, mobile money account validation, bank account validation, and live FX rate feeds. Stablepay integrates with Paystack and Flutterwave on the traditional payments side and connects to wallet providers including Binance, Bybit, and Africa-native platforms like Busha and Chipper Wallet. The platform runs on Solana and Base using Circle's USDC and CCTP for cross-chain settlement.

TravelSwap brings Solana and cryptocurrency payments to mainstream travel booking, enabling users to pay for hotels and flights worldwide using SOL, BTC, ETH, USDC, and more than 44 digital assets. The platform integrates Expedia Partner Solutions for global hotel inventory and Duffel-backed APIs for flight search, delivering a familiar OTA-style booking experience where checkout is completed by signing an on-chain wallet transaction rather than entering a bank card. Solana is featured as a first-class payment option, with TravelSwap highlighting SOL's fast settlement and low transaction fees as practical advantages for high-value travel purchases. The platform launched in 2022 and remains operational, with bookings confirmed on-chain as soon as the transaction clears. TravelSwap actively curates hotel options around crypto conferences like TOKEN2049 Singapore and Korea Blockchain Week — a segment where attendees are already comfortable paying in digital assets. By bridging established travel suppliers with onchain payment rails, TravelSwap represents a real-world spending application for SOL in a category historically dominated by DeFi and NFT use cases.

Stillman Digital operates an institutional on/off-ramp and stablecoin settlement platform serving exchanges, payment networks, miners, ETF issuers, and family offices. The firm's OTC desk handles an average trade size exceeding $2 million, with daily on/off-ramp flows of $40–80 million and monthly OTC volume surpassing $1 billion, negotiated via a request-for-quote workflow designed to minimize market impact on large blocks. A dedicated Stablecoin Settlement Network provides automated treasury operations for institutional counterparties needing to move large fiat and stablecoin amounts efficiently across jurisdictions. The firm holds FinCEN and FINTRAC Money Services Business registrations and a Class M DABA license in Bermuda, operates across six countries, and grew its on/off-ramp business 178% during the 2022 bear market — a marker of durable institutional demand for reliable crypto settlement infrastructure.

Spark Tech Hub Ltd sits at the infrastructure layer of crypto-enabled business payments, operating as a regulated Money Service Business with explicit FINTRAC authorisation for virtual currency dealing. Its product suite reportedly includes stablecoin-based B2B transfers and cryptocurrency payment processing as components of its broader cross-border payment stack — positioning it among the regulated operators bridging traditional MSB compliance frameworks with on-chain settlement rails. With over $100 million in self-reported transaction volume and a 30-country network, the company has built meaningful throughput through this hybrid fiat-and-digital approach. For businesses evaluating crypto payment infrastructure, Spark Tech Hub's compliance-first architecture is a defining feature. AML/KYC protocols and risk monitoring are embedded directly into transaction processing rather than bolted on after the fact — a structural advantage in the payment corridors it targets, particularly in emerging markets where regulatory friction is high. This makes it representative of the new class of regulated infrastructure operators that treat stablecoin settlement as a standard tool alongside conventional FX rails.

SFx Money extends beyond remittances into a broader crypto payments experience, issuing a virtual Visa card accepted at over 150 million merchants worldwide. The card allows users to spend their USDC balances directly for everyday purchases without needing to convert to fiat first, bridging on-chain stablecoin holdings into the global Visa acceptance network. Multi-currency accounts supporting USD, EUR, GBP, NGN, and seventeen or more African currencies give users flexibility to hold and spend value across denominations without switching apps or platforms. Peer-to-peer transfers within the SFx network are instant and free, executed via username across more than twenty countries. Users can fund their wallets from local bank accounts, mobile money networks, or direct on-chain deposits of USDC or USDT on multiple supported networks including Solana. The inclusion of Solana in February 2026 added a high-throughput, low-cost settlement layer particularly suited to small, high-frequency payment flows — the kind that characterize everyday spending and family support transfers rather than large institutional transfers.

Shiga Digital is a multichain stablecoin payment platform designed to replace the costly intermediaries and informal currency networks that mid-sized African businesses rely on for supplier payments and foreign exchange access. Settlement occurs on-chain using USDT and USDC as primary account units, with fiat on-ramp and off-ramp connections handled through licensed local partners in each market — giving businesses transparent, on-chain rates rather than opaque parallel forex spreads. The consumer-facing Enta wallet extends stablecoin payments to individuals seeking dollar-denominated savings and transfers without a US bank account, secured by device passkeys rather than seed phrases to lower the self-custody barrier. With settlement running across five blockchain networks including Solana — whose low per-transaction fees and high throughput suit the high-frequency, low-margin flows that characterize cross-border business payments — Shiga abstracts chain selection from the end user while preserving the cost and speed advantages that make on-chain payments practical for African commerce.

Secuwa provides IBAN-linked bank accounts for users in supported regions, enabling direct deposits and withdrawals in local currency without routing through a centralized exchange. This fiat bridge is particularly relevant for its target markets in the United Kingdom and Nigeria, where access to dollar-denominated savings products through a domestic bank account is either expensive or unavailable through traditional finance. The multi-currency wallet reduces foreign exchange fees when holding or transacting across multiple currencies, a meaningful utility for users in markets with volatile local currencies. The platform also supports payments and transfers through its Spendable Savings feature, which allows users to transact directly from their earning balance without a prior withdrawal step. Cross-chain transfers route through the Across Protocol intent bridge and settle in seconds rather than waiting for canonical bridge finalization windows. Backed by the Circle Cross-Chain Transfer Protocol for USDC movement across supported networks, Secuwa provides a fiat-to-DeFi payments layer aimed at mainstream retail adoption in underserved markets across Europe, the Middle East, and Africa.

Sablier's Flow contracts enable open-ended payment streams without fixed end dates, making the protocol applicable to payroll, subscriptions, and ongoing service arrangements on-chain. Rather than transferring funds in lump sums, senders open a continuous stream and recipients accumulate access in real time, withdrawing whenever needed. This by-the-second model reduces trust requirements in recurring payment relationships by making funds accessible incrementally. The protocol deployed to Solana in September 2025, extending its streaming payments to Solana-native applications alongside more than 30 EVM chains. On Solana, withdrawals were priced at one dollar in SOL and airdrop claims at two dollars per claim. Founded in 2019 and backed by a16z Crypto, Sablier processed hundreds of millions of dollars across its contracts without a recorded security incident before entering maintenance mode in July 2026.

Rizon is a stablecoin-powered payments platform combining a non-custodial wallet with a Visa Platinum card and multi-currency accounts. Users fund their account from over ten blockchain networks — including Solana, Ethereum, and Polygon — then spend at more than 100 million merchants and ATMs worldwide. Card issuance and ACH/SEPA connectivity are provided by Rain, a licensed financial services partner. Rizon targets users outside the US banking system who need dollar-denominated payment rails. Card spending in USD carries no fee; foreign-currency transactions attract a foreign exchange markup plus up to 1.5%. Users earn 2.5% cashback on eligible purchases, accumulating RizPoints for rewards. Bank wire, Apple Pay, and Google Pay are also accepted as inbound funding methods.