Crypto Payment Solutions

Mesh is a crypto payments infrastructure company that connects over 300 wallets and exchanges into a single payments network, enabling merchants to accept digital assets from virtually any source and settle instantly in stablecoins or local fiat. Its proprietary SmartFunding technology decouples what a buyer pays with from what a seller receives — a customer can pay using SOL, BTC, ETH, or any of 120+ supported tokens while the merchant automatically receives the equivalent in USDC, PYUSD, USDT, or local currency, with no manual conversion required on either side. SmartFunding can even combine up to five separate funding sources into one unified checkout tap, eliminating the asset-mismatch problem that has historically blocked crypto payments at scale. Mesh's two core products — Crypto Payments (a merchant checkout API) and Crypto Deposits (an instant-funding layer for neobanks and exchanges) — reflect a vertically integrated approach to crypto-to-fiat payment rails. Solana is explicitly supported as both a payment input (SOL) and a settlement output (USDC on Solana), making Mesh directly relevant to the Solana ecosystem on both sides of a transaction. Backed by Dragonfly Capital, Paradigm, and Coinbase Ventures and valued at $1 billion following its 2026 Series C, Mesh operates across 100+ countries through platforms that collectively serve over 900 million users, and has earned the Payment Technology Award at the Global FinTech Awards.

Ivorypay is a crypto payment infrastructure platform that enables African merchants to accept stablecoin payments from customers worldwide and automatically convert them to local currencies across 17 countries. Merchants integrate via REST API or no-code tools — QR codes, hosted checkout pages, or payment links — and receive settlement in Naira, Kenyan Shilling, Ghanaian Cedi, South African Rand, and other local currencies directly to bank accounts or mobile money wallets. The platform has processed more than $500 million in total payment volume and serves more than 16,000 merchants, making it one of the largest crypto payment gateways focused on the African market. Ivorypay accepts USDC and USDT as primary settlement assets alongside Bitcoin and Ethereum, with transparent pricing at 1% per transaction for crypto collection (capped at $25) — fees it claims are 90% lower than traditional cross-border processors. The platform eliminates chargebacks by leveraging the irreversibility of on-chain crypto transactions, a meaningful advantage for African e-commerce operators exposed to payment fraud via card networks. In June 2026, Ivorypay became the first company in Africa to launch support for the X402 payment protocol, enabling machine-to-machine stablecoin transactions for AI agents and autonomous applications across multiple blockchains including Solana.

Vent Africa extends cryptocurrency into everyday Nigerian financial life through a suite of real-world payment utilities. The platform lets users purchase Nigerian mobile airtime and data bundles directly with crypto or its vUSD stablecoin without first converting to Naira, covering the major Nigerian carriers. Merchants can open business accounts to accept crypto payments from customers and receive the Naira equivalent credited to a business bank account, broadening crypto adoption into retail and services. The platform's Vent 2.0 update introduced virtual card functionality and expanded bill payment capabilities, widening the range of everyday expenses that can be settled using crypto holdings. Supported assets include Bitcoin, Solana, USDT, USDC, and Binance Coin, and security features such as saved withdrawal addresses guard users against common address-substitution scams. Vent positions itself as a complete crypto payments layer for Nigerian users rather than a single-purpose exchange, with 24/7 customer support and a referral rewards program.

Busha is Africa's first SEC-licensed digital asset exchange, offering regulated crypto payment infrastructure to over one million users in Nigeria and Kenya. Its Spending product line includes a global USD account paired with both virtual and physical Visa debit cards that deliver instant cashback rewards, enabling users to convert and spend crypto holdings in everyday commerce across borders. The platform supports more than 70 digital assets against Nigerian naira and Kenyan shilling fiat pairs, allowing seamless conversion between local currencies and major cryptocurrencies including Bitcoin, Ethereum, Solana, and Tether. Busha Business extends this payment infrastructure to African companies seeking stablecoin-based treasury management and international payment rails, reinforced by a 2026 collaboration with Tether. With 24/7 human customer support and enterprise-grade security, Busha is purpose-built to serve African users navigating volatile local currency environments through compliant, regulated digital asset payments.

Bitybank is a Brazilian crypto-native digital bank that merges cryptocurrency trading with everyday banking, letting users hold Brazilian reais and cryptocurrencies in a single account, transfer funds instantly via Pix, and spend with a prepaid Mastercard earning up to 10% cashback in cryptocurrency. The platform supports Lightning Network for faster Bitcoin payments and handles BRL deposits and withdrawals alongside 150-plus tradeable digital assets, including Solana. The bank is a Circle Alliance partner with USDC infrastructure spanning multiple chains including Solana, and operates Bity Payments — an international digital dollar transfer service designed to avoid Brazil's IOF currency tax. By bundling Pix, crypto cashback, and cross-border transfers into familiar digital banking UX, Bitybank positions itself as a payments gateway for mainstream Brazilian consumers entering the crypto economy.

B2BinPay is a business-focused cryptocurrency payment gateway enabling merchants across e-commerce, gaming, and forex to accept crypto and settle in digital assets or fiat. Founded in 2014, the platform has processed $5.1 billion across 6.7 million transactions for roughly 983 businesses. Each payment generates a unique deposit address, funds are monitored on-chain, and settlement can occur in the received asset, a swapped cryptocurrency, or fiat — all within one interface. Volume-tiered fees of 0.25–0.40% apply with no rolling reserves, removing a common friction point that traditional processors impose. On Solana, B2BinPay accepts SOL, USDT-SOL, and USDC-SOL at average fees of ~$0.00189 per transaction — roughly 900 times cheaper than comparable Ethereum flows. The 2026 DeFi App extends this to non-custodial, multisignature processing for crypto-native businesses that need full on-chain transparency throughout the payment lifecycle. For high-volume e-commerce and gaming operators where per-transaction overhead directly affects unit economics, Solana's throughput combined with B2BinPay's managed infrastructure delivers cost-efficient crypto payment rails at scale.

Choise offered a comprehensive crypto payments stack centered on a Visa-branded debit card accepted at over 42 million merchants and ATMs globally. Operating under the Crypterium brand and licensed through a Lithuanian entity, the platform provided the full range of fiat rails needed for practical everyday use: bank card crypto purchases, peer-to-peer transfers, currency exchange, and fiat on- and off-ramps. The debit card covered the standard Visa acceptance network, making it one of the more broadly accessible crypto spending products available before the platform shutdown. With over 700,000 registered users and approximately 230 million euros in annual turnover for 2021, the payments infrastructure was the operational core on which the wider MetaFi ecosystem was built.

GeCrypto is a licensed over-the-counter cryptocurrency exchange operating from a physical office in Tbilisi, Georgia, offering regulated crypto-to-fiat and fiat-to-crypto conversions for Bitcoin, Ethereum, Solana, USDT, and USDC. Clients visit the office, complete a quick KYC check using a passport or national ID, and exchange crypto for Georgian lari, US dollars, or euros with same-day cash settlement. The platform supports bank transfers to Georgian banks instantly, and international wires via SWIFT, SEPA, or ACH within one to three business days. Since 2023, GeCrypto has completed over 15,000 transactions for more than 10,000 registered clients. GeCrypto holds VASP license number 0018-9404 issued by the National Bank of Georgia, making it one of a small number of formally licensed crypto exchange points in the South Caucasus region. The exchange does not operate an order book or custody wallet — it acts as a regulated intermediary where pricing is agreed before execution and AML documentation is provided on request. Corporate clients receive dedicated account managers, volume pricing, and full documentation packages for accounting compliance. For Solana holders in Georgia, GeCrypto is one of the few licensed venues where SOL can be bought or sold directly for cash.

Crypto.AM is a physical, walk-in cryptocurrency exchange operating from the Citadel Business Center in central Yerevan, Armenia. The service allows customers to buy or sell cryptocurrency in person using cash, without creating an account on any online platform. Transactions follow a three-step process — selecting the exchange direction, providing wallet or payment details, and confirming — and typically complete in under five minutes, with no registration required. The exchange claims support for all major cryptocurrencies at current market rates, though the specific asset list requires direct contact to confirm. A flat $20 commission applies to transactions under $1,000 with no disclosed minimum transaction size, making smaller purchases accessible but proportionately more expensive. Crypto.AM reports over two years of operation and more than 2,000 customer reviews, and is listed in third-party directories as an active participant in Yerevan's OTC crypto market.

Recurrente is a Guatemalan payment platform that lets SMBs across Central America accept card payments, stablecoin transfers, and international remittances through a single dashboard. Merchants collect payments via payment links, POS hardware, an integrated online store, and automated recurring billing with no setup or monthly fees and a flat 4.5% card processing commission. Over 200,000 users including restaurants, retail shops, and professional services rely on the platform as a practical alternative to slow and expensive traditional banking rails. The platform's crypto payment layer supports USDT and USDC on TRC-20, Polygon, ERC-20, and BNB Smart Chain networks, with on-chain confirmation in minutes. Merchants can hold received stablecoins or convert them to Guatemalan quetzals for direct bank deposit, making Recurrente a bridge between card rails and digital-dollar settlement for Central American SMBs.

Tender is an API-first crypto payment gateway enabling merchants to accept, manage, and disburse digital assets across multiple blockchains without maintaining their own infrastructure. The platform covers the full payment lifecycle — from generating payment requests to real-time status callbacks via webhooks — with HMAC cryptographic authentication on every API call and a merchant dashboard surfacing sales volumes, transaction counts, and average transaction sizes in real time. Beyond payment acceptance, Tender layers in asset conversions between supported cryptocurrencies and fiat, with fee calculation endpoints for transparent cost disclosure before committing. An on-ramp service lets customers pay in local fiat and receive crypto directly to their wallet, while USDC serves as the primary settlement asset with fiat payouts processed via bank transfers or Stellar anchor integrations that connect on-chain liquidity to traditional banking rails.

ICPay is a multi-chain crypto payment infrastructure project launched in late 2025, designed to simplify crypto payment integration the way Stripe simplified cards. Its REST API accepts payment intents in USD or token amounts and returns signed transactions, abstracting chain-specific differences across Solana, Internet Computer Protocol, and Base. The platform settles on-chain in under two seconds and charges a flat 0.5% fee, with no chargebacks or geographic restrictions. Beyond standard commerce, ICPay supports the X402 and ATXP agentic payment standards, enabling AI agents to autonomously pay for APIs and digital goods without human approval. Solana integration covers native SOL, USDC as an SPL token, and Phantom and Backpack wallets, with ICPay processing roughly 25% of all X402 transactions on Solana as of mid-2026. No native token is issued; revenue derives solely from the 0.5% processing fee.

Nana Wallet is a full-featured stablecoin payment application that lets users in Africa and the diaspora hold, spend, and cash out US dollar stablecoins through familiar mobile money and banking rails across seven African markets. The app integrates on-ramps from M-Pesa, Airtel Money, MTN MoMo, and Vodafone Cash alongside centralized exchanges like Binance, Coinbase, and OKX, making USDC and USDT as accessible as a standard mobile top-up. Beyond peer-to-peer transfers, Nana enables bill payments via M-Pesa Paybill, Buy Goods, and Send Money directly from a wallet balance without cashing out first, as well as cash-outs to bank accounts and mobile money wallets across Kenya, Nigeria, Ghana, Uganda, Malawi, and DR Congo. Solana serves as one of Nana's primary settlement chains for USDC and USDT, with its sub-cent transaction costs enabling Nana to sponsor all gas fees so users experience payments as entirely free at the protocol layer.

Stableyard is a programmable stablecoin payment infrastructure layer that covers the full payment lifecycle — acceptance, routing, settlement, and reconciliation — through a single integration point. Merchants, fintechs, and developers can accept stablecoins from any wallet on any supported chain and settle in the currency of their choice, whether as on-chain holdings or as fiat via banking partners across 30+ jurisdictions. The platform routes payments across eight or more blockchains including Solana, Ethereum, Polygon, Base, Arbitrum, Optimism, Tron, and Movement, charging a flat 1% transaction fee with no chargeback risk. Payment initiation is flexible — merchants can use a POS terminal, QR code, embeddable checkout widget, or direct API call, with programmable controls for spending limits, multi-sig approvals, automated splits, and one-click refunds enforced in code rather than managed manually.

machines.cash is a virtual card platform that lets cryptocurrency holders spend digital assets anywhere Visa is accepted, including via Apple Pay and Google Pay. The platform accepts nine deposit currencies including SOL, BTC, ETH, Monero, and USDC, all auto-converted to a spendable USD balance. It is designed as a productivity and control layer above existing wallets, not as a bank or custodian. Users can create virtual cards in folders with custom spending limits, recurring-payment caps, and automation rules. Common use cases include subscription isolation — one card per service — and per-vendor budget tracking. A free Hobby tier includes three virtual cards, and cards support tap-to-pay via Apple Wallet or Google Pay.

Myaza provides stablecoin-powered payment infrastructure for Africa, combining a consumer money app with a B2B API that together cover the full payments stack from end-user wallets to merchant point-of-sale. The consumer app gives users a multi-currency wallet holding 21+ African currencies alongside USDC and USDT, with instant cross-border transfers to recipients in 21+ African countries and a complimentary virtual USD card accepted globally. In February 2026, Myaza launched a stablecoin POS device targeting Lagos merchants — it accepts USDC at the counter and settles to naira or stablecoin in under one minute, around the clock, at a few cents per transaction, eliminating the 3-4% card processing fees and multi-day delays that previously burdened international in-person commerce for African small businesses. The B2B infrastructure API lets African fintechs accept stablecoin payments across Solana, Ethereum, Polygon, TRON, and Stellar, generate and manage wallets programmatically, and run point-of-sale sessions for both in-person and online flows. Backed by partnerships with Fincra, Yellow Card, and Bridge, Myaza has processed over $15 million in cumulative transaction volume and serves more than 3,400 businesses across 20+ African nations — reaching that traction entirely through word-of-mouth without paid advertising.

Knit (useknit.io) is a business-grade digital asset payment infrastructure platform that provides the compliance backbone and technical tooling companies need to send, receive, and manage cryptocurrency at scale. Its unified REST API consolidates four core capabilities — Collections for invoice-style one-time payment flows, API Wallets for recurring customer-specific ledgers, a pooled Business Services Wallet as an outbound liquidity source, and programmatic Payouts with IP whitelist enforcement. Knit reports processing over $100 million in transactions and holding more than $8 million in assets under custody since launching in April 2024, with Payment Links enabling businesses to accept digital assets without exposing raw wallet addresses. Targeting businesses, developers, and fintech operators such as exchanges, neobanks, and marketplaces, Knit delivers crypto payment rails without requiring teams to build raw blockchain infrastructure from scratch. Registered with Canada's FINTRAC as a Money Service Business, the platform provides the regulatory standing that institutional customers require when selecting a compliant payment provider. Knit supports six blockchain networks including Tron, Polygon, Base, BSC, and Ethereum, offering both custodial (Business Wallet) and self-custody (Vault Wallet) options, with dual authentication via API keys and OAuth 2.0 for phased enterprise migrations.

Speed is a Bitcoin Lightning Network payments infrastructure company offering both a consumer wallet and a merchant payment gateway for instant, near-zero-fee transactions in Bitcoin and stablecoins. The platform processes over $1.5 billion in annual payment volume and serves 1.2 million users and businesses across 180+ countries. Speed Wallet handles BTC, USDT on Lightning, USDC, and Tether Gold, while Speed Merchant provides REST APIs, SDKs, and webhooks for business integrations with settlement in under three seconds. Merchants benefit from zero chargeback risk through irreversible Lightning transactions and processing fees up to 90% lower than traditional card networks. The gateway supports payments and payouts across 100+ countries with infrastructure rated at 99.99% uptime. A December 2025 $8 million strategic investment from Tether underscores Speed's position as key infrastructure for real-world commercial payments at scale.

BoundlessPay functions as a full-stack payments application providing everyday spending infrastructure built on stablecoin rails. Users can make payments through virtual USD Visa or Mastercard cards that work anywhere those networks are accepted, online or in-store, with the stablecoin balance held behind the card remaining invisible to merchants. The platform also handles utility payments including mobile airtime and data top-ups, enabling users to manage routine spending alongside international transfers in a single interface. Currency swap functionality within the app allows users to move between local currencies and stablecoin balances on demand. Virtual USD-denominated account balances give users a dollar savings product without requiring a US bank relationship, extending the platform's utility beyond one-time payments toward ongoing financial management. Launched initially in Nigeria where demand for dollar-adjacent products has risen sharply with naira depreciation, the platform targets users who need a reliable spending layer in markets where traditional card infrastructure or stable fiat access is inconsistent.

Trillion Digital operates a multi-jurisdictional settlement network spanning 180+ countries with T+0 settlement support across 20+ fiat currencies, using stablecoins as settlement rails for cross-border transactions. The Miami entity settles in USD, CAD, MXN, BRL, COP, and ARS, while the Zug subsidiary handles EUR, GBP, CHF, AUD, SGD, HKD, JPY, and 11 additional currencies. This dual-region infrastructure allows institutional counterparties to transact across fiat and digital asset rails simultaneously. The stablecoin liquidity business provides on-demand institutional access to stablecoin markets, including deliverable FX using stablecoins as settlement rails. Partnerships with Borderless.xyz and Checker in 2025 expanded its global stablecoin payment and settlement reach, while Circle Alliance Program membership deepens USDC settlement capabilities relevant to institutional cross-border payments connected to the Solana ecosystem.

Amulets is a self-custodial fintech application on Solana that enables users to spend stablecoins at any of the more than 150 million Visa-accepting merchants worldwide, including via Apple Pay and Google Pay. The product pairs a non-custodial crypto wallet with a virtual Visa card, allowing USDC and USDT balances held on Solana to fund real-world purchases at the point of sale without any conversion to fiat through a traditional exchange or bank account. Users retain their private keys at all times, and the card draws on balances the user directly controls rather than a custodial float. Launched in early access in March 2026, Amulets removes common friction points from the payment experience: no monthly maintenance fee, no issuance fee, no foreign exchange fee on USD-denominated purchases, and no ATM withdrawal fee. The app additionally runs a cashback program called Cryptoback, paying up to 5% back in SOL on eligible card purchases. Built on Solana's sub-second finality and near-zero transaction costs, the product targets international users who want to bridge their on-chain stablecoin holdings to everyday real-world spending without a bank account.

Bullring Finance is a programmable global settlement API that enables businesses to collect local currency payments from payers, move value across borders in under one minute via stablecoin rails, and distribute to recipients in their local currency — all within a single unified interface. The platform supports major payment methods including ACH, PIX, SEPA, Faster Payments, and mobile money networks across Africa, with card acceptance for Visa, Mastercard, and local networks. Solana features prominently as a high-throughput, low-cost rail suited to high-frequency corridors and smaller-value transactions where per-transaction fees on slower chains would erode margins. USDC and USDT serve as the settlement tokens, dynamically routed across Solana, Ethereum, Celo, Polygon, Stellar, and Base. Clients interact entirely in fiat — crypto complexity is invisible to both payer and recipient — making Bullring a turnkey stablecoin payments layer for exporters, importers, OTC desks, global payroll operations, and embedded fintech applications. Volume-based pricing starts at 0.1% per transaction with no prefunding required, and the platform includes a real-time dashboard for multi-currency virtual accounts, treasury visibility, and liquidity monitoring. Published clients include SUPA, Bluum Finance, Cray Finance, DominiPay, Vector, and Vesicash, reflecting Bullring's positioning as B2B payment infrastructure rather than a consumer-facing product.

AstraBanq provides crypto payment infrastructure for businesses and individuals, enabling seamless acceptance and processing of digital asset payments including SOL and Solana-native tokens. The platform is designed to bridge the gap between blockchain-native payment flows and real-world commerce, offering merchants a straightforward way to integrate crypto payment acceptance without requiring deep technical expertise in blockchain development. The platform supports multiple cryptocurrencies and is structured to handle the settlement and conversion requirements that businesses face when accepting crypto payments at scale. By building on Solana's fast and low-cost transaction infrastructure, AstraBanq positions itself as a practical payments layer for businesses looking to capture the growing population of users who prefer to transact in digital assets.

Ezeebit builds regulated crypto and stablecoin payment infrastructure that allows merchants in Sub-Saharan Africa to accept digital asset payments without managing cryptocurrency exposure themselves. The platform converts incoming crypto — BTC, ETH, USDC, or USDT — into stablecoins at the moment of receipt and settles the equivalent in local fiat currency (South African rand, Kenyan shilling, or Nigerian naira) by the following business day. Founded in 2022 and commercially active since 2023, Ezeebit accepts payments from any wallet type, including Solana-based USDC and USDT, giving merchants access to the full spectrum of crypto users rather than a single app's base. Merchants integrate through Android ePOS devices, e-commerce plugins, or APIs, and pay 1% or less per transaction — roughly 68% below standard card network rates — with no separate gateway fees. Named clients include iStore, Le Creuset, Diesel, and Tintswalo Lodges, and the platform has processed more than 30,000 transactions since launch. Ezeebit closed a $2.05 million seed round in December 2025 led by Africa-focused fund Raba Partnership, with co-investment from Founder Collective and strategic angels from Visa, Revolut, BVNK, and Talos.

FinchTrade extends its stablecoin liquidity infrastructure into B2B cross-border payments, connecting businesses to corridors in Africa, Latin America, and the UAE. Transactions settle using USDC and USDT on-chain, converting to local currencies including the Nigerian naira, Kenyan shilling, Mexican peso, Brazilian real, and UAE dirham with T+0 to T+1 settlement times. Solana serves as one of the delivery networks, allowing clients to fund in fiat via SEPA or SWIFT and receive stablecoins directly to a Solana wallet address. The company operates 24/7, including weekends, ensuring payment flows are not constrained by traditional banking hours. The service targets payment companies, importers, exporters, and businesses with recurring cross-border obligations seeking to bypass SWIFT correspondent chains. Clients receive a locked exchange rate and expected receipt amount before initiating a transfer, contrasting with traditional correspondent banking where final costs emerge only after settlement. Onboarding includes KYC, AML, and KYT screening and completes within one to five business days. FinchTrade banking rails run through regulated partners including BCB Group, ClearJunction, and Nexpay, with SEPA, SWIFT, and ACH support.

reply.cash converts cryptocurrency into local mobile money disbursements across sub-Saharan Africa, operating as a non-custodial bridge between the global stablecoin ecosystem and the payment rails that underbanked populations already use. Senders on any of 31 supported blockchains — including Solana, Ethereum, Base, and Bitcoin — can top up a balance using 181 supported tokens and push payments directly to mobile money accounts or bank accounts within 60 seconds. The recipient needs no wallet, no crypto literacy, and no account creation; they simply receive a mobile money credit in their local currency from services like M-Pesa, Airtel Money, or MTN Mobile Money. The platform's fee structure runs below 2%, well beneath the 5–8% industry average for traditional payment corridors into Africa. Solana users connect through familiar wallets — Phantom, Solflare, Backpack, or Jupiter — and benefit from the network's sub-cent fees and near-instant finality, which are essential for affordable, real-time payment delivery. A privacy top-up option allows senders to obscure their originating wallet, while the no-login design ensures minimal friction and data exposure for occasional senders across six live African markets.

Bitstop operates approximately 2,500 cash-to-crypto ATMs deployed at gas stations, convenience stores, and grocery stores across the United States. The network supports 11 digital assets including Bitcoin, Ethereum, Solana, and Solana-native tokens WIF and PENGU, with no bank account or prior exchange account required. Users insert cash, select an asset, and receive cryptocurrency directly to their personal wallet — Bitstop is noncustodial and never holds user funds. Transaction fees of 7%–20% are displayed transparently on-screen before any cash is committed, with discounts available through the Bitstop mobile app. As a physical on-ramp for SOL and Solana ecosystem tokens, Bitstop allows cash-holding users to acquire Solana assets at thousands of U.S. locations without an exchange account. Most machines run 24 hours a day, and the companion app offers pre-registration, transaction tracking, and nearby ATM discovery. Retail partnerships — including placement across all 310 Royal Farms convenience stores in Mid-Atlantic states — extend the network reach to unbanked and underbanked populations seeking direct crypto access.

Novacrust is a global payment platform that converts cryptocurrency into local fiat currency across more than 50 countries, offering one of the fastest crypto-to-cash experiences in the space. Users can deposit USDC, USDT, SOL, BTC, ETH, and TRON from any wallet or exchange, with the platform targeting conversion completion in 60 seconds to three minutes — a significant speed advantage over peer-to-peer alternatives that can take 15 to 90 minutes. The service also issues users a USD virtual debit card with up to $10,000 monthly spending capacity, enabling online purchases globally backed by local purchasing power. Beyond individual users, Novacrust exposes a RESTful merchant API that allows developers to embed card issuing, virtual account generation, crypto wallet funding, and payout capabilities into their own applications. With webhook support for asynchronous transaction events and transparent exchange rates pegged to live market rates, it provides a programmable payment infrastructure layer for businesses serving customers in Africa, Asia, and Latin America who need reliable, fast paths from crypto holdings to local bank accounts or mobile money wallets.

Bitcoin.com facilitates cryptocurrency payments and transactions through its wallet and exchange infrastructure, supporting SOL and a wide range of digital assets for peer-to-peer and commercial payment use cases. The platform's non-custodial wallet enables users to send and receive crypto payments directly, while the exchange provides the liquidity access needed to convert between assets as part of payment workflows. For merchants and individuals seeking to use Solana-native assets for payments, Bitcoin.com's established infrastructure and global user base offer a recognized entry point into crypto payments. The platform's breadth — spanning a wallet, exchange, DeFi gateway, and news platform — positions it as a comprehensive environment for users who want to transact in crypto across a range of use cases from simple transfers to more complex DeFi-adjacent payment flows.

Fuse is a payments-first EVM-compatible Layer-1 blockchain built specifically to make crypto transactions practical for everyday businesses and consumers. Launched in 2019 and upgraded to delegated Proof of Stake in 2023, the network processes transactions in under two seconds at roughly $0.0001 per transaction, approximately 1,000 times cheaper than Ethereum. The chain is architected as a chain-to-consumer stack, integrating blockchain infrastructure, developer tooling, and consumer applications into a single payments-optimized network. The flagship consumer application built on Fuse is Solid, a non-custodial neobank launched in 2025 that offers a Visa virtual card via a Bridge partnership, enabling users to spend crypto at traditional merchants. Freedom World, another ecosystem application, targets Southeast Asian cross-border payments and recorded 131,000 downloads and over 9 million THB in transaction volume by end-2025. As of late 2025, the network had processed 194.7 million lifetime transactions and maintained 11,273 average daily active wallets.

Roqqu is a centralized cryptocurrency exchange and fintech platform built specifically for African markets, offering an embedded payments layer called Qash that enables borderless transfers, utility bill payments, and merchant payment links. Users can generate payment links to accept crypto from anywhere, making the platform suitable for e-commerce, crowdfunding, and peer-to-peer settlement across Africa's diverse financial landscape. Beyond payment links, Roqqu issues virtual debit cards that let users spend crypto balances at any card-accepting merchant globally without needing to off-ramp to a bank account first. With local banking rails integrated for Nigerian naira, Ghanaian cedi, and Kenyan shilling via M-Pesa, Roqqu removes the friction that has historically prevented African consumers from participating in digital asset payments, all through a mobile-first app serving more than 1.8 million registered users.

Coinone functions as one of South Korea's primary regulated fiat gateways for digital assets, enabling users to move between the Korean Won banking system and cryptocurrency markets. Deposits via domestic bank transfer are free, all trading pairs are denominated in KRW, and mandatory KYC verification applies to all accounts. Solana can be purchased directly with KRW through the platform, providing a straightforward path from Korean banking onto the Solana network. The exchange's VASP registration under the Financial Intelligence Unit underpins its role as a trusted domestic payment rail for crypto. KRW withdrawal limits are capped at 100 million KRW per account, and the platform does not serve international users due to its KRW-only structure. The May 2026 investment by Korea Investment & Securities includes an explicit strategic focus on stablecoins, which would extend Coinone's payment capabilities further into programmable money use cases.

Tapnob is a crypto-to-Naira payments platform that allows Nigerian merchants, freelancers, and remote workers to accept Bitcoin and stablecoin payments from international customers, with the local-currency equivalent deposited to a registered bank account within seconds. It supports inbound payments in Bitcoin via the Lightning Network, USDT, and USDC, covering senders across different networks and wallet types. The flagship product is the Tapnob Address, a Lightning Address formatted like an email that acts as a permanent, embeddable payment destination requiring no crypto knowledge on the recipient side. Recipients complete a one-time bank account setup and all subsequent payments arrive automatically. Tapnob charges no fees to recipients on incoming Lightning transfers, competing directly against remittance providers that typically charge five to ten percent per transaction.

Raenest accepts USDT and USDC stablecoin deposits on five blockchain networks — Ethereum, BNB Smart Chain, Polygon, Tron, and Solana — converting incoming funds to USD automatically at a guaranteed 1:1 rate with no deposit fee. Users generate a dedicated wallet address within the app and receive stablecoin payments from clients or on-chain wallets directly to a regulated dollar balance. Solana support was added in March 2026, extending coverage to one of the fastest and lowest-fee settlement networks for USDC and USDT. Converted balances are accessible through a Raenest Visa card accepted globally, direct bank transfers to local African accounts, or free peer-to-peer transfers to other Raenest users. The stablecoin-to-fiat workflow positions Raenest as a practical off-ramp for Solana users who need on-chain balances converted into real-world spending power or local currency across African markets.

Cash App is a mobile-first consumer financial platform with roughly 59 million monthly active users in the United States. Its payment capabilities span peer-to-peer dollar transfers, debit card spending, and savings accounts with interest, all within a single mobile application. In May 2026, Block extended Cash App's payment infrastructure to include USDC stablecoin transfers on Solana, Ethereum, Polygon, and Arbitrum, targeting use cases where traditional payment rails are slow or costly. The stablecoin payment layer is designed to be invisible to users who prefer not to engage with blockchain systems. Each verified account receives an on-chain address for each supported network, and Cash App handles conversion between dollars and USDC automatically at no fee. Verified users face daily limits of $2,000 outgoing and $10,000 weekly incoming on stablecoin transfers. This positions blockchain rails as a cost-effective extension of Cash App's existing payments infrastructure rather than a separate crypto product.

Western Union's USDPT is a regulated payment token designed to substitute blockchain settlement for correspondent banking across its global agent network. Issued by Anchorage Digital Bank N.A. under federal bank supervision, the stablecoin enables 24/7 settlement between Western Union and its field agents, reducing idle liquidity at intermediary banks and enabling more dynamic cross-border liquidity management. Beyond internal settlement, the Digital Asset Network connects licensed exchanges to Western Union's physical cash locations, and the Stable by Western Union mobile app pairs a self-custody USDPT wallet with a Visa card so recipients can spend digital dollars anywhere Visa is accepted. Both tracks are targeted for rollout across 40+ countries in 2026, backed by Western Union's existing AML, KYC, and sanctions compliance infrastructure.

Shopify is one of the world's largest commerce platforms, powering millions of merchants with tools for online and in-person retail. Its Solana Pay integration—delivered via a Helio-maintained App Store plugin—lets any merchant accept on-chain crypto payments at checkout with sub-second settlement and fees under a fraction of a cent. Any Shopify merchant can install the app, complete Know Your Business verification, connect a Solana wallet, and immediately begin accepting crypto alongside standard card options. Helio auto-converts incoming tokens to USDC so merchants receive stablecoin revenue without volatility exposure. The plugin processed approximately $50 million across more than 200 stores in its first six months, anchored by a $35 million Solana Mobile Chapter 2 pre-sale where more than half of buyers paid in crypto. Merchants pay a flat 0.75% processing fee versus the 2.9–3.5% typical of card rails, and the system has sustained peak loads above 20 transactions per second at a 98% success rate. Token support includes SOL, USDC, BONK, PYUSD, and USDY, with multichain inputs from Bitcoin and Ethereum settling on Solana, letting buyers pay in their preferred asset while merchants receive a consistent stablecoin equivalent.

Gusto added USDC stablecoin payouts on Solana to its payroll platform in early 2026, letting employers pay international contractors in under one minute through the same dashboard they use for domestic payroll. Zerohash routes and settles the payments on-chain, replacing conventional wire transfers that typically take three to seven business days. The USDC denomination protects contractors in volatile-currency markets from exchange-rate exposure at settlement. With 400,000 business customers and tens of billions in annual payroll volume, Gusto is one of the highest-volume enterprise adopters of Solana's payment rails. Zerohash's regulatory licenses across more than 200 jurisdictions make the integration compliant by design, and Solana's low per-transaction costs keep the feature commercially viable at scale.

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.