Crypto Payment Solutions

Rampnow is an API-first B2B platform enabling wallets, dApps, and fintechs to embed on-ramp and off-ramp functionality via a unified API across 125+ blockchains including Solana. It operates as a non-custodial routing layer connecting fiat payment rails — credit cards, SEPA, Open Banking, Apple Pay, and Google Pay — to licensed liquidity partners, with KYC and AML handled by compliance-licensed partners rather than Rampnow itself. Beyond simple buy/sell, Rampnow's Payments product covers vendor payouts, contractor payroll, and cross-border remittances funded through crypto. Circle Alliance membership and native USDC/EURC integration anchor compliant stablecoin flows across APAC, Europe, Latin America, and MENA. On Solana, the platform's non-custodial model aligns with the chain's fast finality and low fees — key properties for cost-efficient payment settlement at scale.

Quidli removes the most persistent friction in crypto payments: the requirement to know a recipient's wallet address before sending. Its Connect API accepts a social handle from X, Telegram, Discord, GitHub, Farcaster, LinkedIn, or even a phone number or email, then returns the verified wallet address linked to that identity — or generates a non-custodial one on the spot if the recipient has never used Quidli before. The payment settles directly on-chain; Quidli handles only the identity resolution layer, keeping the transaction itself trustless. On Solana, Quidli supports SOL, SLP20 tokens, and USDC transfers through the same handle-first flow. This makes it practical for DAOs, DePIN networks, airdrop campaigns, and AI agent payouts to reach contributors by social presence rather than address book. For Solana specifically, the model doubles as a lightweight onboarding mechanism: a recipient can receive tokens before ever installing a wallet or holding SOL, claiming them later by authenticating with the social account that was targeted.

PrimeVault was founded specifically to solve enterprise stablecoin payment infrastructure, by a team that built payroll rails and international payment systems at Rippling. The platform consolidates the full operational stack for moving digital money—liquidity access, settlement, and compliance reporting—into a single system spanning 100+ blockchains and a network of 100+ institutional partners including centralized exchanges, OTC desks, DeFi protocols, and local on/off-ramp providers. A CeDeFi trading layer aggregates liquidity across venues and routes orders through best-execution algorithms, while built-in audit trails and automated regulatory reporting handle compliance natively. With $120 billion in annualized transaction volume and customers ranging from fintechs building stablecoin rails to traditional enterprises entering cross-border digital payments, PrimeVault is one of the more comprehensive institutional stablecoin payment infrastructure platforms available.

Pretium Finance connects USDT and USDC to everyday payment rails across ten African countries, routing stablecoin balances to M-Pesa, MTN Mobile Money, bank transfers, and merchant point-of-sale systems within seconds. Its Android consumer app covers grocery stores, restaurants, utility bills, airtime, and data top-ups, while a B2B REST API lets fintechs and payment providers offer stablecoin settlement without managing their own liquidity. Four product surfaces handle the full payment lifecycle: an offramp for converting stablecoins to local fiat, an onramp for the reverse, a hosted checkout flow embeddable in partner apps, and an AI agent interface via the Model Context Protocol. Pretium has processed 9.1 million USD across more than 600,000 transactions at a 99.99% success rate, with 52,000 consumer app users and over 40 API customers across Kenya, Nigeria, Ghana, Uganda, and six additional African markets.

NewMoney.ai routes crypto payments through the messaging apps users already rely on, using its Newton AI agent to execute transactions by plain-language command inside WhatsApp, Telegram, Discord, SMS, and email. There is no separate app to download and no blockchain address to share — users type a request and Newton handles the on-chain execution, abstracting wallet management and gas fees into a single chat thread. The platform's digital cash layer enables gasless peer-to-peer transfers identified by phone numbers, email addresses, or social handles, covering more than 180 countries through onramp partnerships with Circle, Transak, Onramper, and Coinbase. Cross-chain swapping via Li.Fi extends the payment rail across nine blockchains including Solana, Ethereum, and Bitcoin, with a roadmap that adds a physical debit card and yield-bearing savings account to the payment stack.

Netcoins is a Canadian cryptocurrency exchange offering self-directed trading in 60-plus digital assets, with Canadian dollar funding via Interac e-Transfer and bank wire at no charge to users. Operating since 2014 and registered with FINTRAC as a Money Services Business and with provincial securities commissions as a Restricted Dealer, Netcoins built its platform explicitly for Canadian regulatory requirements rather than retrofitting compliance afterward. The platform serves both retail investors through a web and mobile app and institutional clients through an OTC desk and API access, with custody through Fireblocks and BitGo. Netcoins processed over CAD 1.068 billion in trading volume in 2025 — more than doubling its 2024 figure of CAD 830 million — while holding more than CAD 225 million in assets under custody. The platform's Canadian dollar funding rails and domestic regulatory standing positioned it to capture users migrating away from international exchanges that exited Canada after the Canadian Securities Administrators tightened enforcement requirements in 2023. Operated by Surge Digital Inc. (TSXV: SRGE), a publicly traded holding company formerly known as BIGG Digital Assets, Netcoins combines retail accessibility with institutional-grade infrastructure in a market where regulatory compliance is a genuine competitive differentiator.

Mileston is a stablecoin payment infrastructure platform that enables merchants, SaaS businesses, and freelancers to accept crypto payments without redirecting customers off-site. Its embedded checkout popup keeps the transaction flow on the merchant's own domain, eliminating the conversion drop typical of third-party payment pages. Settlement occurs automatically in USDC or EURC, so merchants receive a stable-value asset immediately rather than holding volatile cryptocurrency exposure. The platform handles wallet detection, transaction confirmation, and stablecoin conversion entirely on its backend, requiring no blockchain knowledge from the merchant. Mileston supports three payment primitives — payment links, structured invoices, and recurring subscription billing — giving teams a full range of transaction types for e-commerce, B2B billing, and SaaS scenarios. The platform is a Circle Alliance partner, meaning its USDC and EURC rails connect into Circle's multi-chain stablecoin infrastructure spanning Arbitrum, Avalanche, Base, Ethereum, and Noble. For cross-border use cases where traditional banking is slow or unavailable, Mileston's instant settlement and lightweight developer integration lower the bar significantly. Its architecture mirrors familiar payment processor patterns — API keys, typed SDK classes, webhook callbacks — making the transition from fiat payment tooling accessible to existing development teams.

Meow Technologies brings stablecoin payments to business banking, allowing companies to send and receive USDC and USDT on Solana, Ethereum, and Base with zero transfer fees alongside conventional ACH and wire transfers. The platform processes $2 billion in annualized stablecoin payment volume, leveraging Solana's fast settlement and low per-transaction costs as a practical alternative to slower traditional rails for recurring or high-frequency business payments. Unlike crypto-native payment tools that require separate exchange accounts, Meow integrates stablecoin balances directly into an FDIC-backed operating account, eliminating reconciliation friction for finance teams. The platform generates unique Solana addresses for invoice collection, supports automated recurring invoices, and serves as a design partner in Solana Subscriptions and Allowances — on-chain primitives that extend structured, expiring spending permissions to autonomous AI agents making transactions on behalf of businesses.

CoinPay.cr is a Costa Rica-based crypto-fiat payment platform operating since 2016, serving individuals, merchants, and businesses across Central America and the Caribbean. It enables cryptocurrency transactions via QR codes, wallet addresses, and API-integrated payment flows, with merchant tools including smart QR codes, mass payout capabilities, and a CPay peer-to-peer payment system. The platform's integration with SINPE Movil, Costa Rica's dominant central-bank mobile payment rail with approximately three million registered users as of mid-2024, provides a direct fiat-to-crypto on-ramp for the local market. International Mastercard debit cards bridge on-chain holdings to everyday purchases worldwide, and gift card and mobile top-up services allow users to spend crypto on consumer products without converting to fiat first.

Inbestgo is a Guatemala-based platform that bridges cryptocurrency holdings to everyday commerce through a prepaid Mastercard, marketed as the first crypto-enabled card in Central America and the Caribbean. The card allows holders to spend at any Mastercard-accepting merchant worldwide, with purchases earning cashback in cryptocurrency across three tiers: Xniter at 0.5%, To The Moon Lite at 0.75%, and Cryptonaut at 1.5%. Funding the card wallet is designed to be straightforward for local users: Inbestgo connects directly to Guatemalan bank accounts, accepting deposits in quetzales or US dollars at a 1% fee. A separate Card Wallet balance keeps spending funds distinct from investment holdings, reducing the risk of accidental liquidation. The platform has been operating since 2018 and continues serving the Central American and Caribbean market with Spanish-language support.

HighWayPay is a non-custodial crypto payment gateway that enables merchants to accept USDC and USDT across multiple blockchains — including Solana, Ethereum, Tron, and Binance Smart Chain. Settlement is near-instant, and merchants receive stablecoins directly into their own wallets without the platform ever holding funds on their behalf. Transaction fees undercut traditional card networks, which charge 1–5% per transaction, and even custodial crypto processors that can reach 15%. Solana's sub-second finality and sub-cent fees make the platform especially practical for small-ticket purchases. Integration options span three surfaces: an API layer for online merchants embedding stablecoin acceptance into websites or apps, a point-of-sale hardware and software add-on for physical retail, and the K22N Wallet consumer mobile app for end users. The multi-chain architecture means customers can pay from whichever chain they already hold assets on, while merchants settle on their preferred network. Target verticals include e-commerce, brick-and-mortar retail, and industries excluded from traditional payment rails such as cannabis dispensaries. With 10 early-adopter businesses onboarded and a 400-client growth target, HighWayPay is building toward becoming a general-purpose stablecoin payment layer for underserved business categories.

Accrue operates a layered payment infrastructure for individuals and businesses moving money between Africa and the United States. For consumers, the platform offers virtual USD accounts with routing and account numbers that support ACH payments and international wire reception, a virtual Visa card for global online purchases, and the Cashramp rail for cross-border transfers settling in under five minutes. The Crewtag feature adds free instant peer-to-peer transfers between Accrue users, building a network-effect payment layer on top of the broader infrastructure. The July 2026 launch of Accrue Business extended this infrastructure to corporate clients, providing stablecoin-powered payroll, vendor payments, invoicing, and multi-currency treasury management at a flat 1.5% fee capped at two USD per transaction. The unified dashboard consolidates USD and EUR accounts, local African collections, and scheduled payouts with role-based team permissions and developer APIs, positioning Accrue as a payments operating system for businesses with multi-country African footprints.

AhoraCrypto is a non-custodial fiat-to-crypto on/off-ramp that lets retail users buy and sell 50+ cryptocurrencies — including SOL, Bitcoin, Ethereum, and USDC — using Visa, Mastercard, SEPA, Apple Pay, and Google Pay. Purchases settle directly on-chain to the user's own wallet within minutes of payment, with a flat 0.99% commission and no hidden spreads. The platform operates across 14 blockchain networks including Solana, Ethereum, Polygon, Arbitrum, Optimism, and Base. A liquidity aggregator spanning 300+ tokens handles multi-asset swaps, and supported fiat currencies span EUR, GBP, USD, CHF, and eight other European currencies. AhoraCrypto's B2B layer extends this payment infrastructure to wallets, DApps, neobanks, and fintechs via an embeddable widget and REST API. The widget deploys in three lines of code, is fully white-label, and ships with built-in KYC and payment processing — so partner products can offer regulated fiat-to-crypto purchasing without building their own payment rails. Real-time price streams via WebSocket and webhook-driven order lifecycle notifications complete a developer-grade integration surface. As a MiCA-licensed CASP, AhoraCrypto provides European distribution for crypto payments infrastructure with regulatory cover included.

FIUSD enables real-time, borderless money transfers for banks and credit unions on Fiserv's platform, running 24 hours a day, seven days a week, year-round. This directly addresses the settlement windows and business-hour limitations of traditional banking rails such as ACH and wire transfers, allowing money to move across time zones without waiting for settlement cycles. Fiserv selected Solana specifically for its transaction speed and significantly lower costs compared to Ethereum. FIUSD supports programmable payment logic including escrow arrangements, streaming payments, and payment splitting — delivered through Fiserv's compliance-wrapped SDK. A partnership with Mastercard is designed to accelerate FIUSD acceptance at merchant locations, while an interoperability agreement with PayPal's PYUSD streamlines cross-border transfers between the two networks. Fiserv's stated goal of making FIUSD available across its full 10,000-institution network at no additional cost would place Solana at the center of a significant share of U.S. community bank digital payment activity.

CopperX's payment gateway allows merchants to accept USDC and USDT through checkout links, hosted payment pages, invoices, and a REST API. The gateway is non-custodial by design, settling funds directly into the merchant's own wallet rather than a CopperX-controlled account. Supported networks include Solana, Ethereum, Polygon, BNB Smart Chain, Base, Arbitrum, and Bitcoin, giving buyers flexibility without fragmenting the merchant's back-office. USD-to-USD stablecoin transfers carry no platform fee, while fiat conversions incur a 1.5% foreign exchange fee. CopperX extends payment capabilities through pre-built integrations with WooCommerce and Zapier, with Stripe and Shopify integrations in development at time of writing. A no-code path through payment links and hosted invoices makes the platform accessible to non-technical operators without needing to touch the API layer. The platform targets web3-native companies and global businesses without US incorporation that need dollar-denominated payment infrastructure. Named customer use cases span SaaS subscription billing, e-commerce checkout, event ticketing, and donation collection.

BNKA delivers cross-border payment functionality inside a single mobile wallet that bridges fiat and crypto rails for Latin American migrants working in Europe. Beyond peer-to-peer transfers, the platform enables users to pay home-country utility, internet, and education bills directly from their European earnings, with rates fixed at confirmation to protect users from exchange-rate movement during processing. The BNKA Swap function handles instant conversion across supported currencies during market hours at zero fees within each plan's limits. Every BNKA user also receives a European IBAN at no charge, allowing salary deposits from European employers and receipt of SEPA transfers without a traditional bank relationship. On the crypto side, BNKA integrates Solana-native assets — SOL, USDC, and USDT — into the same wallet interface, enabling transfers to external Solana addresses and use of dollar-denominated stablecoins without requiring a bank account. The combination of fiat bill payment, currency swap, SEPA receipt, and crypto transfer inside one app makes BNKA a full-stack payment account for a population that has historically struggled to access standard European financial infrastructure. AI-powered exchange-rate alerting further supports informed payment timing, notifying users when rates reach favorable levels for planned conversions.

Bank Frick provides banking infrastructure for payment-intensive digital asset businesses through services designed around high-volume automated payment flows. Its virtual IBAN service enables fintech firms, crypto exchanges, and payment service providers to automate payment routing and allocation at scale, a capability that has attracted a client base of crypto exchanges, payment processors, and digital asset intermediaries. The xPULSE service delivers near-round-the-clock fiat settlement within the Bank Frick network, operating 23 hours a day, seven days a week, addressing the fiat liquidity gap that affects crypto businesses outside traditional banking hours. The bank has also integrated SEPA and SIC for 24/7 real-time payment capability on qualifying transactions. Business accounts are available in CHF, EUR, USD, and GBP, including incorporation accounts tailored specifically to companies building in blockchain.

BitcoinVN functions as Vietnam's primary cryptocurrency on-ramp and off-ramp, bridging Vietnamese dong (VND) and digital assets including Bitcoin, Ethereum, Solana, and more than 150 other cryptocurrencies. VND deposits and withdrawals are processed via domestic bank transfer or cash pickup, making BitcoinVN one of the few crypto platforms with genuine local banking integration in Vietnam — a meaningful advantage for users who cannot easily fund international accounts. The platform has been operational since 2014, giving it over a decade of experience navigating the local financial system. USD and EUR are also supported as fiat pairs, extending the platform's reach to internationally oriented users. Transactions settle near-instantly because the platform draws on its own liquidity pools rather than waiting for counterparty matches, keeping fiat-to-crypto conversions practical for everyday use cases. Standard swap fees of 0.2% apply, with transaction limits from approximately $40 to $25,000 per swap. A physical Bitcoin ATM network within Vietnam supplements the online swap interface for users who prefer or require cash-based access to crypto. The platform's non-custodial architecture means settlement lands directly in the user's own wallet, removing the need to withdraw from a custodial account after purchase.

Bitnovo is a Spanish cryptocurrency platform whose most distinctive product is a physical voucher network reaching roughly 40,000 retail points of sale across Spain, Portugal, Italy, France, and the Netherlands. Customers buy prepaid vouchers with cash at supermarkets and convenience stores, then redeem an 18-digit code on bitnovo.com for cryptocurrency sent directly to a wallet they control — creating a cash-to-crypto payment rail that requires no bank account or payment card. The model explicitly targets unbanked consumers and those who prefer not to link financial accounts to a crypto platform. The company also accepts purchases via credit and debit card, SEPA transfers, SEPA Instant, Apple Pay, and Google Pay, and offers euro withdrawals for selling. Its B2B suite includes a merchant payment gateway, API integration services, ATM hardware for physical retail environments, and white-label on-ramp solutions for embedding crypto purchasing into third-party products. This dual consumer-and-business infrastructure extends Bitnovo's payments reach well beyond its voucher origins.

FRNT launched on Kraken for Solana in January 2026, making Wyoming's government-issued stablecoin accessible to the broad Solana trading community through an established exchange without requiring interaction with DeFi infrastructure. The Solana listing positioned FRNT as a dollar-denominated settlement asset usable across any DeFi protocol, payment application, or exchange that chooses to integrate it. The Commission's stated objective is to make FRNT usable across the widest possible set of payments and DeFi contexts. The partnership with Rain extends FRNT's payments reach further: Rain integrates Visa's payment rails, enabling holders to spend FRNT at point of sale through existing card networks. This dual-track approach — exchange-accessible liquidity on Solana and Visa-backed card spending through Rain — reflects a deliberate strategy to serve both on-chain and off-chain payment use cases from the same reserve-backed asset.

USD1 has established itself as a vehicle for large-scale institutional payment settlement, with its most prominent transaction being Abu Dhabi-based investment firm MGX 2 billion dollar investment into Binance, settled entirely in USD1. That deal was widely described as the largest stablecoin-settled transaction in crypto history at the time and demonstrated USD1 capacity to handle sovereign institutional-scale payment flows between major counterparties. The stablecoin subsequently received a listing on Coinbase and launched natively on Tempo, a Stripe-backed Layer 1, in May 2026. World Liberty Financial has also built infrastructure oriented toward programmable payments through the AgentPay SDK, introduced to enable AI agents to hold funds, make payments, and move money across chains with configurable policy enforcement and human approval workflows. USD1 operates across Ethereum, BNB Chain, Solana, and Tron using Chainlink CCIP as its cross-chain transport layer, providing the multi-network settlement rails needed for institutional payment use cases at scale.

The CoinJar Card is a Mastercard-linked debit card that lets holders spend cryptocurrency balances at any merchant accepting Mastercard, online or in-store. It supports Apple Pay and Google Pay for contactless payments, carries no monthly fee, and earns CoinJar Rewards on eligible purchases. When it launched in the UK in 2022, the company positioned it as the first crypto-to-GBP spending card of its kind in that market. The card enables users to convert digital asset holdings into everyday spending without a separate withdrawal step. CoinJar supports crypto purchases via bank transfer, PayID/Osko (Australia), Faster Payments (UK), Visa, and Mastercard, providing multiple on-ramp and off-ramp channels across its four regulated markets. Instant Buy enables immediate cryptocurrency acquisition using Visa, Mastercard, Apple Pay, or Google Pay for a 2% fee, reduced to 1% on recurring purchase plans. The platform is regulated in Australia, the UK, the EU, and the United States, giving users a compliant path for converting fiat to digital assets and back. This combination of on-ramp access and card-based spending positions CoinJar as a full-cycle crypto payments platform for retail users.

Cregis operates a stablecoin Payment Engine that handles collections, payouts, cross-border settlements, and off-ramp conversion to fiat for institutional clients. The engine supports USDT and USDC across nine major networks, offers T+0 real-time settlement, and includes a Cross-Chain Swap module for moving stablecoins between chains. Enterprise payment providers, banks, and fintech platforms use the engine to activate stablecoin transaction flows without building the underlying settlement infrastructure themselves. The Payment Engine sits on top of an MPC-secured custody layer that has processed more than 300 billion dollars across nine years of operation with a zero-security-incident record. Real-time AML screening via Elliptic and Regtank applies Know Your Transaction and Know Your Address checks to every payment. Cregis holds a US Money Services Business registration and a Hong Kong Trust or Company Service Provider license, giving the payment infrastructure a regulatory framework that meets institutional compliance requirements.

Cryptonia is a non-custodial stablecoin-to-fiat exchange platform launched publicly in January 2025, enabling Nigerians to convert USDC and USDT into Nigerian Naira with direct bank account payouts settling in under 10 seconds. The platform was founded by Oluwasanmi Timilehin following four years of personal OTC crypto trading experience and is incorporated as Evolution Consultancy Limited. By removing the need to trust a counterparty or surrender custody of funds, Cryptonia targets the tens of millions of Nigerians who hold dollar-pegged stablecoins as a hedge against persistent naira depreciation and inflation that exceeded 30% in early 2024. No transfer fees are charged on conversions; the platform earns on spread, and users can transact up to $500 without providing a Bank Verification Number, lowering the onboarding barrier for first-time participants. The conversion flow is designed to be four steps and frictionless: a user selects the stablecoin and network, receives a unique deposit wallet address generated for that transaction, sends funds from their own wallet, and receives Naira directly in their Nigerian bank account once the blockchain confirms. Solana has become the dominant network on Cryptonia, accounting for 40% of monthly volume by April 2025 after surpassing Tron, driven by Solana's transaction speed and low fees. The platform is backed by a Superteam Nigeria grant, recognized by the official Solana account on X, and registered as a Circle Alliance partner supporting USDC on Solana. By March 2025, Cryptonia had crossed $5 million in total platform trades, with monthly volume reaching roughly $300,000 and a dedicated OTC desk serving institutional and high-volume clients separately from the retail app.

DCS Card Centre's DeCard is Singapore's first stablecoin credit card, enabling USDC and USDT holders to spend their digital assets at over 150 million merchants worldwide through the Visa and Mastercard networks. The payment mechanism converts stablecoins to local fiat currency on the fly at point of sale, eliminating the need for manual exchange beforehand. Standard Chartered provides the regulated banking backbone for cardholder top-up, account management, and fiat and stablecoin settlements. On-chain settlement runs through Polygon, offering sub-cent transaction fees and near-instant finality. DeCard comes in two tiers: a no-annual-fee standard card with over 50% savings on foreign-exchange fees versus typical Singapore credit card rates, and a premium DeCard Luminaries offering a metal card, 0% FX fees worldwide, and Web3-focused perks at a USD $388 annual fee. ATM withdrawals are permitted on the standard tier up to a cap of SGD 5 or 1% of the withdrawal amount. Additionally, DCS Tokens (DUSD), a dollar-backed payment token issued exclusively to merchants, bridge Web2 payment flows with on-chain settlement. Merchants receive conventional fiat settlement and do not interact directly with wallets or private keys.

E Money Network delivers payment infrastructure that connects on-chain assets to the traditional banking system through its E Money Wallet and E Money Card products. The E Money Card allows users to convert crypto holdings to fiat at the point of sale, making stablecoin usage functionally indistinguishable from conventional card payments for retail consumers globally. IBAN integration enables users to hold bank account numbers tied to their on-chain wallets, allowing direct transfers to and from traditional bank accounts. This fiat on/off-ramp capability is particularly relevant in European markets where IBAN accounts are standard, and E Money Network is working to expand IBAN services beyond Europe into Asia and North America. The E Money Wallet supports more than 60 blockchain networks from a single interface, with built-in KYC and KYB modules that Solana developers can integrate into their own payment applications.

Eco's infrastructure is purpose-built to eliminate the operational friction that payment teams and institutional desks face when moving stablecoins across chains. Rather than requiring manual bridge approvals, gas management on both ends, and finality waits, Eco lets users sign an intent describing the desired outcome — for example, sending USDC from Arbitrum to Solana — and independent solvers compete to fulfill it, advancing their own capital and getting paid only upon cryptographic proof of delivery. The company's Orchestration layer extends this into institutional-grade FX settlement, treasury rebalancing, and structured orderflow routing, with compliance tooling and liquidity management included. Its July 2026 connection to Robinhood Chain and TRON integration reflect a focus on serving regulated and emerging-market payment flows.

Flipeet Pay is a stablecoin payments and remittance platform built on Solana and USDC, engineered to eliminate the friction of cross-border money movement for populations underserved by traditional banking — particularly across African corridors where legacy remittance fees routinely exceed 8 percent per transaction. Users can send USDC internationally at near-instant settlement speeds, convert stablecoins to local fiat deposited directly into bank accounts within minutes, and pay everyday expenses like mobile airtime, data bundles, utility bills, and flight tickets from a single stablecoin balance. Flipeet is a member of the Circle Alliance and leverages Circle programmable wallet and smart contract APIs, with Solana providing the sub-cent transaction costs that make small-value cross-border payments economically viable for diaspora families supporting relatives in Lagos or Nairobi. The geographic focus is Africa initially — a market where Solana and USDC have natural product-market fit because local fee sensitivity makes minimal transaction costs meaningful and USDC dollar peg provides protection against local currency volatility. Business-to-business transfers are also supported as a faster and more transparent alternative to international bank wires, and an on/off-ramp layer converts between stablecoins and local fiat seamlessly. Founded in March 2022 and operating as Flipeet LLC, the platform is live at flipeet.io and distributed through social channels under the handle @flipeetpay, representing one of the few Circle Alliance members building specifically for African remittance corridors on Solana.

Finna provides cross-border payment infrastructure for users in high-inflation emerging markets who already hold dollar-pegged stablecoins but lack practical ways to move money across borders. Its Finna Pay product targets remittance corridors where traditional wire services can erase 5 to 10 percent of a transfer in fees, offering competitive exchange rates and faster settlement. Finna Card extends stablecoin balances into everyday merchant spend, allowing users to pay at point of sale the same way they would with a bank debit card. The platform is incorporated across Delaware, Lagos, and Singapore, positioning it to operate across multiple regulatory environments as crypto frameworks mature in Africa and Southeast Asia. Finna holds licenses in Nigeria and works with trusted custodians for asset custody. In January 2026 alone it recorded more than 6 million dollars in transaction volume, with month-on-month growth peaking at 1,400 percent across its first eighteen months of operation.

ZBX is a MiCA-authorised crypto-asset service provider built around accessible, compliant crypto payment infrastructure for retail and corporate clients. Its merchant payment gateway handles settlement and conversion while embedding compliance tooling suited to regulated sectors such as iGaming. Corporate clients receive EUR virtual IBANs issued in partnership with OpenPayd, allowing businesses to accept wire transfers directly into their ZBX accounts and move funds between banking and crypto rails with reduced friction. A crypto debit card accepted on major payment networks enables direct spending of crypto balances in everyday commerce without a separate conversion step. Fiat on and off ramps underpin the platform: EUR and USD deposits and withdrawals via bank transfer make ZBX a practical choice for European users who struggle to access fiat conversion on less-regulated exchanges. The enterprise suite positions ZBX as a payments infrastructure partner for SMEs, iGaming operators, and payment institutions that need crypto payment acceptance and settlement within a fully licensed EU framework.

UnblockPay provides a single REST API for businesses to send and receive cross-border payments across 150+ countries, routing funds through local payment rails on the destination side. Supported rails include Brazil's Pix, Mexico's SPEI, SEPA for European flows, and SWIFT, ACH, and Fedwire for US dollar settlement. The platform supports both first-party and third-party payment flows, enabling businesses to send funds from their own accounts or route payments programmatically to end recipients. Revenue for platform operators is generated through configurable spreads and fees on transactions. The API operates 24/7 with webhook support for event-driven integrations and a sandbox environment for testing before going live. UnblockPay is designed for currency exchange brokers, payment companies, small banks, and fintechs that want to offer international payment products without building stablecoin, liquidity, and rail-connectivity infrastructure themselves. Clients include Mercado Bitcoin, one of Brazil's largest cryptocurrency exchanges, illustrating the breadth of payment use cases the platform serves. By collapsing four infrastructure layers — blockchain, liquidity, compliance, and local rails — into one integration, UnblockPay materially reduces go-to-market time for payment product builders.

Payhound is a Malta-based regulated crypto payments platform built for businesses, enabling merchants and institutions to accept and settle cryptocurrency without taking on direct price volatility. Operating under a Class 3 VFASP licence from the Malta Financial Services Authority and full MiCAR Crypto-Asset Service Provider authorization, the company processed over 800 million euros in transaction volume by 2022. Two payment architectures serve different business needs: an Invoice Deposit Flow that locks exchange rates for a defined window, and a Channel Deposit Flow that assigns persistent wallet addresses suited to recurring or high-frequency deposits. Supported assets span Bitcoin, Ethereum, major stablecoins, and since 2025, SOL and TRX with USDC on Solana available to all clients globally. Settlement can be in crypto or fiat, with Payhound managing conversion and custody so businesses receive exactly what they expect. Target verticals include iGaming operators, affiliate marketing platforms, payment service providers seeking to add crypto rails without their own licences, and travel and real estate businesses serving international clients. Payhound won Payment Innovation of the Year at the SBC Lisbon Awards 2025 and Best Crypto Payment Provider at SiGMA Europe 2026.

Singapore Gulf Bank is a regulated wholesale bank headquartered in Bahrain that uses blockchain settlement rails alongside traditional correspondent banking to enable cross-border payments. Its proprietary SGB Net network processes approximately two billion dollars in monthly fiat volume and connects to Standard Chartered, J.P. Morgan, and BNY for USD clearing. The bank's USDC mint and redeem service on Solana allows one-to-one USD conversions with 24/7 settlement and sub-0.3 percent overhead, dramatically undercutting the cost and latency of SWIFT-based rails. By April 2026, SGB had processed more than seven billion dollars in cumulative transactions across fiat and digital asset rails combined. SGB targets corporate treasury desks and individual clients who need to move money across the Asia-Pacific and Gulf Cooperation Council corridors. Its product stack includes multi-currency fiat accounts, real-time clearing through SGB Net, stablecoin mint and redeem, and a mobile app available on iOS, Android, and Huawei AppGallery. The bank is backed by Mumtalakat, Bahrain's sovereign wealth fund, giving it institutional credibility beyond what unregulated crypto payment platforms can offer.

Vault delivers white-label payment infrastructure that enables businesses to launch branded card programs and multi-currency banking products without building their own underlying systems. Clients receive virtual and physical Visa cards issued on Vault's dedicated bank identification numbers, compatible with Apple Pay and Google Pay, alongside individually segregated IBAN accounts supporting more than 40 fiat currencies across 200 countries. The platform connects to institutional banking partners including DBS and HSBC for fiat custody, and integrates crypto on/off-ramp infrastructure so cardholders can buy, sell, and spend digital assets through the same product. Fintech startups, remittance services, and crypto-native businesses use Vault to deploy fully branded payment programs in under a month, with transactional revenue typically covering platform costs within two to three months of launch.

GoMining integrates consumer payments into its Bitcoin-native platform through a Visa card offering up to 5% cashback on purchases and up to 4% cashback on travel booked through the platform's hotel and flight tool. An integrated wallet supports buying, sending, and receiving cryptocurrency, consolidating mining rewards, Simple Earn yields, and borrowed stablecoins in one place. The Visa card positions GoMining alongside BTC-rewarding fintech applications funded by actual mining infrastructure. GoBTC Pay is the platform's merchant-facing payment protocol, providing instant confirmation and on-chain settlement for Bitcoin transactions. It extends GoMining's reach beyond retail miners and yield users into point-of-sale commerce, enabling BTC earned through mining NFTs to be spent rather than merely held. Together the Visa card, integrated wallet, and GoBTC Pay merchant layer make GoMining's BTC rewards immediately liquid and spendable across consumer and commercial contexts.

Onta Network is building crypto-native payment infrastructure that enables stablecoin spending at physical retail merchants. Its OntaPay application allows users to pay with USDC at merchant locations via QR codes or NFC tap-to-pay, while merchants receive settlement in local fiat currency on a T+1 basis through an acquirer partner. This design removes the need for merchants to hold or manage cryptocurrency while preserving a crypto-native experience for users, making the product function as a standard payment processor from the merchant side. The underlying settlement layer, ZeroPulse, is a dedicated payment-focused architecture that confirms transactions in milliseconds without requiring users to hold native gas tokens. Solana serves as the liquidity and settlement base, with USDC reserves anchoring the system. Onta's payment flow spans five parties — customer, merchant, Onta Network, acquirer, and OTC provider — connecting conventional payment rails to on-chain infrastructure through modules including TapCore for NFC on existing POS hardware and SyncMesh for integration with real-time payment schemes such as Singapore's PayNow. The company launched in Singapore in September 2024 with planned expansion to Hong Kong, Japan, Nigeria, India, and Argentina.

Azza is a WhatsApp-based crypto payment agent that lets users buy, sell, and transfer cryptocurrency through conversational messages, settling proceeds directly to local bank accounts. The platform supports crypto-to-fiat conversions for Nigerian Naira and Kenyan Shilling, with settlements completing in approximately 30 seconds. Transfers between users require only a phone number rather than a wallet address, lowering the friction for everyday payments to near-zero. By embedding a full payment stack into WhatsApp, Azza positions itself as a practical payment rail for African consumers who already rely on the platform for daily communication. The service also supports USDT-to-USD conversions, enabling users to move funds into dollar-denominated domiciliary bank accounts through the same interface. Eight African fiat currencies are registered on the platform, with live offramp support for NGN and KES and broader coverage in development. Solana is one of the primary networks promoted to users due to its low fees and high throughput, characteristics that align with the small, frequent transaction sizes typical in emerging-market retail payments. Explored partnerships with Binance and Trust Wallet suggest ambitions that extend beyond retail into broader stablecoin distribution infrastructure.

The National Bank of Kazakhstan backs KZTE (Evo), a tenge-pegged stablecoin on Solana designed with payment use cases as a primary function. KZTE enables crypto-to-fiat conversion, allowing users to convert cryptocurrency into tenge-denominated stablecoins for trading and everyday transactions. Mastercard connects KZTE with global stablecoin issuers and enables crypto card payment rails, making tenge-settled payments accessible through Mastercard's existing global network. The NBK's Digital Assets Regulatory Sandbox provides the licensed environment under which KZTE operates, offering institutional backing while the central bank monitors outcomes before broader rollout. Eurasian Bank serves as the banking partner, bridging KZTE's blockchain activity with Kazakhstan's traditional banking infrastructure. Solana was chosen for its throughput and low transaction costs — the properties a payment-focused stablecoin needs to serve everyday use cases at meaningful scale.

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

CoinPayments is a cryptocurrency payment gateway serving approximately 2.5 million merchants across 182 countries. Founded in 2013, the platform manages transaction routing, exchange-rate management, fraud detection, and fiat settlement so businesses can accept digital assets without managing blockchain infrastructure. Pre-built plugins integrate with WooCommerce, Shopify, Magento, and other commerce platforms, with a RESTful JSON API and SDK libraries for custom deployments. Fixed-rate invoicing locks exchange rates at invoice creation, and a PayByName handle system replaces long wallet addresses for customers. GAP600 instant confirmation technology settles roughly 85% of transactions without waiting for block finality. US and European merchants can opt for USD or EUR settlements directly. Batch withdrawal processing consolidates outbound transactions and can cut withdrawal fees by up to 90% compared to individual sends, making the gateway economical for high-volume merchant operations.

Nodex is a non-custodial cryptocurrency payment gateway enabling merchants to accept crypto payments and settle instantly in stablecoins, eliminating custodial risk, multi-day settlement delays, and platform transaction fees. Merchants configure a preferred receipt stablecoin — USDT, USDC, DAI, or JPYC — and retain direct control of their receiving wallet throughout, with settlement routed through merchant-specific smart contracts across eleven supported blockchains including Solana. The platform provides checkout tooling for both in-person and e-commerce scenarios: QR code generation, a payment request API, webhook notifications for order fulfillment, and fiat-denominated pricing across eleven currencies. Payers can pay in any token supported on their chosen network, with Nodex's liquidity routing handling conversion at the smart-contract layer without third-party custody at any step.

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

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

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

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

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

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

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

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

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