Crypto Payment Solutions

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

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

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

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

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

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

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