Crypto Payment Solutions

SoFi Technologies built its payment infrastructure around SoFiUSD, targeting 24/7 settlement for card networks, point-of-sale retail transactions, and dollar-denominated access for users in high-inflation markets. Issued by SoFi Bank, N.A. and deployed on Solana in May 2026, SoFiUSD uses Solana's sub-cent fees and sub-second finality to meet retail payment economics. In March 2026, Mastercard designated SoFiUSD as a settlement currency across its global network. Beyond consumer payments, SoFiUSD serves as an on-chain settlement layer for Galileo's fintech partner network, which handles card issuance and payment processing for hundreds of clients. SoFi Pay, a 24/7 payments service, routes international transfers via stablecoin rails rather than correspondent banking. For SoFi's 14.7 million members, transactions fund directly from FDIC-insured SoFi accounts without external transfers.

Holyheld is a non-custodial crypto payment platform offering a Mastercard debit card in 30+ European countries, letting users convert crypto holdings to EUR and spend directly from their own wallets without surrendering custody. The conversion to fiat occurs atomically at settlement, eliminating the need to pre-fund a custodial exchange account. Each account includes a personal IBAN for SEPA transfers, covering rent, bills, and recurring euro payments within the same non-custodial interface. The platform supports 1,200+ tokens across 20+ networks including Solana, with gasless transactions handled by automatic gas abstraction and cross-chain routing. Accounts come in three tiers with one-time purchase fees and no monthly charges, earning 0.5-1% cashback in USDC on every purchase. Daily spending limits reach 10,000 EUR, and Apple Pay and Google Pay are both supported alongside the physical card.

Traveeqo issues crypto-linked travel cards through regulated third-party partners, enabling users to spend cryptocurrency balances on standard card payment networks wherever they travel. The platform describes itself as Crypto Ready, treating digital asset payment support as a native feature rather than an optional add-on. Regulated counterparties handle conversion and settlement mechanics, keeping the platform operationally compliant while enabling crypto spending at standard point-of-sale terminals worldwide. This payment infrastructure addresses a key adoption barrier for crypto-native users: the need to convert digital assets back to fiat just to spend them during travel. By partnering with licensed card issuers, Traveeqo allows users to maintain digital asset balances and spend them in the physical world without fully exiting the crypto ecosystem between transactions.

Ampersend, Edge & Node's second product, provides the payment infrastructure for AI agent ecosystems transacting on blockchains. It is built on x402, an open HTTP payment protocol developed by Coinbase that embeds stablecoin payments directly into HTTP using the reserved 402 status code. The flow is lightweight: an agent requests a resource, receives a 402 response containing the payment amount, recipient address, and target network, then signs and retries with a payment payload attached. This eliminates API keys, account signups, and subscription billing in favor of per-request micropayments at the protocol level. Solana is one of Ampersend's primary supported settlement networks, accounting for a significant share of x402 transaction volume. Solana's sub-second finality and low transaction fees make stablecoin microtransactions economically viable for agent swarms executing high volumes of small payments — cost and speed profiles that are not achievable on higher-fee networks. Ampersend layers operational infrastructure on top of the payment protocol: real-time dashboards of agent transaction flows, granular budget controls at the per-transaction, daily, and monthly level, automated wallet top-ups, and swarm-level analytics from a single interface. The platform was developed collaboratively with Coinbase, Google, and the Ethereum Foundation's dAI team.

Ping is a payment orchestration layer founded in August 2024 that operates as middleware between traditional fiat systems and blockchain networks. Its core Pay Your Way philosophy ensures that neither the sender nor receiver needs to change how they hold or move money to complete a transaction, abstracting currency and chain choices entirely away from both parties. Merchants and developers can deploy shareable payment links, embeddable checkout widgets, and a headless payments API that handles the full payment flow from currency selection through settlement without a custom backend. The platform also supports automated recurring billing through a subscription product that requires only a single upfront wallet authorization, eliminating per-cycle approval friction for merchants running recurring payment workflows. Ping's onramp SDK gives end users a fiat-to-crypto path embedded directly in third-party applications, routing the resulting assets to the user's chosen wallet and chain in approximately 30 seconds. The Ping Dashboard at pay.pingpay.io/dashboard provides centralized management of payment links, API keys, and integration settings for merchants operating across multiple channels. Webhook notifications keep merchant systems synchronized with payment and subscription lifecycle events in real time. Together these products address the core coordination problem in crypto commerce: merchants cannot dictate which chain or token a customer holds, and customers should not need to manually bridge or swap to complete a routine transaction.

UnityWallet supports fiat on-ramp and off-ramp services across more than 110 currencies via card, bank transfer, and mobile payment methods, enabling users in markets with limited crypto infrastructure to access the application without first owning digital assets. A crypto shopping integration connects wallet users with over 4,000 goods and services purchasable directly in crypto, extending the practical utility of held assets beyond trading. Gasless Send reduces transaction costs for low-value transfers, a feature particularly relevant for payment use cases where high fees would make small transactions impractical. These capabilities position UnityWallet as a payments-oriented wallet for users seeking to use cryptocurrency in everyday financial activity alongside DeFi and staking functions.

Safello is a regulated cryptocurrency brokerage enabling Nordic retail investors to buy and sell digital assets through familiar local payment infrastructure. The platform accepts Swish mobile payments and Bankgiro bank transfers, allowing instant crypto purchases in Swedish Kronor without needing to use international exchange platforms. Onboarding runs through Mobile BankID and completes in under a minute, removing the friction of passport uploads and lengthy identity verification queues typical of non-local platforms. Founded in 2013 and registered with Finansinspektionen from the outset, Safello holds a full EU CASP license under MiCA, enabling it to serve customers across EU member states under a single regulatory passport. The platform supports more than 35 cryptocurrencies including SOL, and an Auto-Save feature enables scheduled recurring purchases for investors who prefer passive accumulation. For Nordic residents seeking a compliant, locally integrated route into Solana, Safello is one of the few fully regulated gateways operating in the region.

Saber Money provides API-driven stablecoin payment infrastructure for fintech businesses, payment service providers, and treasury teams moving money internationally. Fiat deposits convert to USDC or USDT, settle on-chain in roughly ten seconds, and exit as local currency through regulated partners in more than 40 countries. Fees come in under a dollar per transaction, compared to $20 or more for legacy SWIFT transfers, with 24/7 availability free of banking cut-off times. The developer API includes a sandbox environment with webhook support for order lifecycle tracking. Built-in compliance covers KYC, KYB, AML, sanctions screening, and Travel Rule obligations across multiple regulatory regimes. A partnership with Circle's Payments Network enables USDC transfers with fiat delivery via SEPA in Europe and IMPS, RTGS, and NEFT in India, supporting institutional payment flows across active corridors.

Seamount provides a stablecoin-first payments layer aimed at creatives and SMEs in emerging markets, with particular depth across Sub-Saharan Africa. Users receive six multi-chain smart wallets on signup covering Solana, Ethereum, Bitcoin, Polygon, Tron, and Algorand, and can fund them using local currencies through P2P merchants or established fiat rails. Fiat on-ramps and off-ramps are powered by Flutterwave and Paystack, two dominant payment processors across Africa, enabling rapid conversion between stablecoins and local fiat. The underlying stablecoin settlement infrastructure is built on Tether WDK, Circle Arc, and the XRP Ledger, with the enterprise Digital Treasury module extending multi-currency payment routing to business teams managing working capital.

Heleket is a custodial crypto payment processing platform enabling online merchants to accept digital assets through an invoice-based checkout flow. Merchants generate invoices or static wallet addresses via the Payments API, customers pay on-chain, and balances are credited after confirmation with real-time webhook notifications. Transaction fees start at 0.4% — well below traditional card processing rates — and ready-made plugins for WooCommerce, WHMCS, XenForo, and other CMS platforms let businesses add crypto checkout without custom development. The platform also provides mass payout capabilities for batch-sending funds to affiliates, freelancers, or employees, and an Auto-Converter that automatically shifts incoming volatile assets to USDT to protect merchants from price swings. Virtual Visa and Mastercard cards funded with USDT or USDC stablecoins allow merchants to spend crypto revenue directly. Supported payment networks include Bitcoin, Ethereum, Solana, Tron, Litecoin, Dash, and Monero, with availability in over 100 countries targeting e-commerce businesses that want a lower-cost alternative to traditional payment processors.

Trustyfy provides a non-custodial payment infrastructure that lets users spend crypto through Visa card rails without surrendering control of their private keys. The platform issues both virtual and physical Visa cards that connect to the user's own wallet, enabling real-world purchases at any Visa-accepting merchant while preserving self-custody. Virtual cards are compatible with Apple Pay and Google Pay, and the physical card is bundled with the Plus subscription tier. The crypto-to-fiat conversion layer handles exchange at point of need rather than requiring users to pre-fund a custodial account. Trustyfy positions this ramp as a routing mechanism rather than a lock-in product, with funds converting on demand for each transaction rather than sitting in a platform-controlled balance. This architecture differs from custodial card products offered by exchanges and neobanks, where the platform holds balances and users carry counterparty risk on their spending power.

HPX offers HyperCard, a prepaid debit card that converts supported cryptocurrencies into fiat for real-world spending at over 50 million merchants across 176 countries. Users deposit BTC, ETH, USDT, USDC, SOL, or more than ten other supported assets, which are converted to USD or EUR at the point of deposit. The resulting fiat balance loads onto a virtual or physical card accepted at ATMs and point-of-sale terminals worldwide. KYC approval for virtual cards completes within 12 hours using a single passport, and one passport qualifies for one virtual and one physical card. Conversion fees run approximately 3.6% for USD-denominated cards and 2.6% for EUR-denominated cards, with physical card production taking one to two months after approval. HPX bridges self-custody crypto holdings to everyday commerce without requiring users to convert through a separate exchange or maintain a traditional bank account.

SpectroCoin functions as a comprehensive crypto payments platform, offering retail users a VISA debit card that converts cryptocurrency holdings into euros at point of sale, enabling spending at millions of global merchants and cash withdrawals at ATMs worldwide. The platform pairs this with personal IBAN accounts issued in the user's name, allowing direct SEPA deposits and withdrawals that bridge traditional banking infrastructure with cryptocurrency holdings inside a single custodial account. On the merchant side, SpectroCoin operates a business payment gateway that accepts incoming cryptocurrency and settles transactions in USD, EUR, GBP, or local currency directly to a bank account, removing volatility exposure for retailers accepting digital assets. E-commerce integrations for PrestaShop and WHMCS extend this capability to online merchants, and Apple Pay support added in late 2023 allows users to spend crypto value through familiar consumer payment interfaces. The platform processes fiat funding via SEPA bank transfer, credit and debit cards, and digital wallets including Skrill and Neteller, making it accessible across a wide range of user starting points.

ZendWallet operates as a centralized custody wallet with an integrated in-app swap engine, enabling crypto payments and asset conversions without requiring users to navigate separate exchange accounts. Users can send and receive BTC, ETH, USDT, USDC, BUSD, and SOL to any compatible wallet address, while in-app swaps handle conversions between assets in a single interface. A Zend FX forex service extends the platform into traditional currency exchange beyond the crypto layer. The business payment product, ZendWallet Business, allows African companies to fund international vendor payments using crypto or stablecoin holdings and have the equivalent delivered in major fiat currencies. The platform enforces KYC for full account access and applies two-factor authentication and end-to-end encryption across all transactions. Users can also send SOL directly to non-custodial wallets such as Phantom, positioning ZendWallet as an entry point into Solana ecosystem applications for users based in Africa.

Kaprex is an all-in-one payments platform that connects fiat banking infrastructure to crypto networks, enabling individuals and businesses to send and receive money globally using stablecoin settlement. Built on Stripe Bridge enterprise infrastructure, the platform holds balances in USDC, EURC, and USDB while routing transactions across ACH, SEPA, GBP bank transfer, and local African payment networks. Crypto settlements complete in seconds; local bank payouts take minutes rather than days. Unlike pure crypto-native platforms, Kaprex bridges both worlds: users can fund accounts via traditional bank wire and withdraw to local bank accounts with stablecoin settlement happening transparently in the middle. The platform enforces KYC and maintains 24-hour holds after security changes, reflecting a compliance posture consistent with regulated financial services. Users can also earn yield on held stablecoin balances through the platform on-chain Solana program, adding a return on funds in transit or held between transactions.

0fiat is a browser extension and mobile app that lets stablecoin holders spend USDT or USDC at mainstream online retailers, with no crypto debit card, KYC, or manual currency conversion required. At checkout, users approve a stablecoin transfer from their own wallet; the merchant receives local fiat currency while the transaction settles on-chain. The non-custodial model means funds never leave the user wallet until explicit approval. Supporting Solana SPL tokens alongside Ethereum, BNB Chain, and Tron, 0fiat works with wallets like Phantom, MetaMask, and Trust Wallet. Over 190 retailers are supported globally, with some offering discounts of up to 14% on crypto purchases. There are no transaction or maintenance fees, and no identity verification is required, making the product accessible to users in 45+ countries who hold stablecoin balances and want a practical way to spend them at everyday stores.

Macropod positions AUDM as payment infrastructure for AUD-denominated cross-border transactions. The project specifically targets the AUD-NZD corridor, which processes approximately 45 billion AUD per day, with AUDM offering faster and cheaper settlement than traditional correspondent banking. Other payment use cases include smart contract-enabled disbursements, FX automation, and institutional treasury workflows that require a compliant AUD denominator. On Solana, AUDM enables programmable AUD payments at low cost while maintaining the same reserve backing and regulatory compliance as other deployments. AUDM is listed on Australian exchanges including BTC Markets, where it reached second-most-traded-pair status by 24-hour volume in mid-2026. Macropod holds an AFSL licence from ASIC and is registered with AUSTRAC, making AUDM suitable for enterprise payments contexts where Australian financial services compliance is required.

Netaro builds stablecoin payment rails for enterprise B2B transactions, abstracting crypto mechanics into a fiat-in, fiat-out experience designed to replace the friction of international commercial payments. The platform Netaro Direct Rail uses USDC and USDT as settlement medium, delivering quoted transaction costs of 0.1 to 1 percent compared to the three to five percent typical of correspondent banking, with sub-60-minute settlement finality across supported corridors. Beyond raw payment rails, Netaro adds an AI-powered reconciliation engine performing three-way matching across purchase orders, invoices, and goods receipts, claiming 99.98 percent accuracy and 3.2-second average reconciliation time. Multi-currency programmable accounts support USD, USDC, USDT, AED, and PHP, with ERP connectors for SAP, Oracle NetSuite, QuickBooks, Xero, and Microsoft Dynamics built directly into the payment flow.

Madhouse Wallet operates as a crypto payments infrastructure provider, offering a single REST API through which wallets, fintech platforms, and financial applications can execute stablecoin-to-fiat conversions. The core flow accepts USDC from the developer's platform and delivers local currency to the recipient via the appropriate payout rail — mobile money, bank transfer, or real-time payment network — without requiring the platform to maintain individual banking relationships in each market. The API design abstracts away the complexity of multi-currency settlement: a single integration gives access to payout coverage across 85 currencies and rails including M-Pesa for mobile-first markets, UPI for India, and SEPA for Europe. This positions Madhouse Wallet as an off-ramp component for crypto-native products that need to bridge the gap between on-chain stablecoin balances and the real-world fiat infrastructure that most recipients still rely on.