Real World Asset Platforms

Dakota is a regulated stablecoin infrastructure platform designed to give crypto-native businesses a modern banking alternative built on payment rails rather than legacy depository infrastructure. Its core offering is a single API that handles wallet creation, fund custody, cross-border transfers, and on/off-ramp operations, routing payments over ACH, Fedwire, SWIFT, SEPA, and blockchain networks including Solana mainnet. When funds enter the platform they are automatically converted into DKUSD, Dakota's proprietary Treasury-backed stablecoin, ensuring that balances remain fully reserved and instantly movable at all times. The platform eliminates the need for businesses to negotiate separate arrangements with banking partners, custody providers, and blockchain infrastructure operators. Dakota's payment capabilities extend beyond simple transfers to support the full operational needs of fintech companies, DAOs, protocol teams, and AI companies requiring programmatic money movement. Zero-fee transfers on major fiat rails are available for qualifying accounts, and multi-rail routing means outbound payments automatically reach the most efficient settlement path for each destination. Developer SDKs for TypeScript and Go give engineering teams direct API access to wallet management, transaction policy enforcement, and KYC/KYB onboarding workflows. Operating as a FinCEN-registered money services business with licenses across multiple US states and expanding into the UK, EU, Singapore, and Latin America, Dakota brings regulated compliance infrastructure to the Solana ecosystem's large cohort of businesses that need a compliant counterpart for fiat-side operations.

Xelio's StableChat product enables stablecoin payments via SMS and WhatsApp, reaching mobile users who will never own a smartphone or download an app. A sender texts any phone number and funds — in USDC, USDT, or Solstice's USX — are delivered over Solana's sub-second settlement layer. On first contact, Para's SDK automatically generates a self-custodial MPC wallet tied to the recipient's SIM identity, requiring no setup from either party. Xelio's B2B product, StableCorp, extends the same stablecoin rails to small businesses, offering company incorporation across five jurisdictions, digital bank accounts, stablecoin-denominated invoicing, and AI-assisted compliance tooling. Both products rely on Solana's sub-cent transaction fees and sub-second finality, with Circle providing USDC rails and Bridge — Stripe's stablecoin orchestration platform — handling fiat on/off-ramp operations.

BVNK is enterprise-grade stablecoin payments infrastructure connecting on-chain blockchain rails to traditional fiat settlement networks across 130+ countries. The platform exposes six core primitives — send, receive, store, convert, spend, and earn — through a unified API handling both stablecoin and fiat balances simultaneously. Target clients include fintechs, marketplaces, global payroll providers, and digital asset platforms, with established customers like Worldpay, Deel, Corpay, and Circle using it to move money at enterprise scale. By end of 2025, BVNK was processing 30 billion USD in annualized stablecoin payment volume across 2.8 million transactions, a 2.3x year-over-year increase. The platform requires a minimum of 500,000 USD in monthly payment volume, positioning it squarely for large-scale payment flows. In August 2026, Mastercard completed its 1.8 billion USD acquisition of BVNK, recognizing it as critical infrastructure bridging stablecoin rails to global card and fiat payment networks.

Fystack gives fintech companies and digital-asset businesses a production-ready stablecoin payment stack that can be deployed on private infrastructure without relying on centralized custodians. The platform handles payment checkout flows, auto-sweep consolidation, webhook delivery, and multi-chain deposit tracking for USDT and USDC across Solana and more than ten other blockchains. Its transaction policy engine allows teams to enforce spending limits, whitelist approved destination addresses, and require multi-party approvals before high-value transfers are processed. The combination of MPC key security and a unified payment API means businesses can accept and route stablecoin payments without building wallet infrastructure from scratch or paying volume-based custody fees. Solana features prominently in Fystack's product positioning, with dedicated blog posts on Solana's role in global payments and comparisons with Ethereum for enterprise stablecoin adoption. The platform's emphasis on low-fee, fast-settlement chains reflects an architectural preference for Solana in high-throughput payment scenarios. Named ecosystem participants include PrimePay, Superteam, and ApeScreener, indicating active deployment across payment and fintech contexts within the Solana ecosystem. Fystack's June 2026 security audit by Adevar Labs — covering authentication, payment workflows, wallet signing, and webhook delivery — provides fintech operators with documented remediation evidence to support compliance and due-diligence requirements.

Brasil Bitcoin is one of Brazil's largest centralized cryptocurrency exchanges, serving over 700,000 retail and institutional clients with BRL-to-crypto conversion via PIX, Brazil's instant payment infrastructure. Deposits are accepted 24 hours a day with a minimum entry of R$10, dramatically lowering the barrier to digital asset access in a country where PIX adoption is near-universal. The platform's BB Pag product takes the payments function further, allowing users to pay everyday bills — utilities, services, and other expenses — directly from their cryptocurrency holdings, with Brasil Bitcoin handling the conversion to BRL automatically. With R$15 billion in annual trading volume and over 150 listed assets including SOL and Solana-native tokens, Brasil Bitcoin functions as a major gateway for Brazilian users to participate in the crypto payments economy.

Yellow Card provides enterprise stablecoin payment infrastructure that businesses and financial institutions integrate via API to send cross-border payments, manage treasury in hard currencies, and embed fiat on/off-ramp capabilities into their own products. Its API suite reaches 60+ countries and supports 50+ local currencies—including the Nigerian naira, Kenyan shilling, South African rand, and Brazilian real—enabling clients to settle B2B transactions and manage multi-currency treasury operations through a single integration. Visa uses Yellow Card's infrastructure for treasury operations and liquidity management across its licensed markets, while a Mastercard partnership announced in May 2026 covers B2B settlement, cross-border remittances, digital loyalty ecosystems, and treasury management. On Solana specifically, Yellow Card supports USDC and USDT transfers at no additional cost to users, positioning Solana as a zero-fee settlement rail within its broader multi-chain payment stack. The platform also offers USD and EUR bank account setup and international card issuance for business customers, extending beyond pure stablecoin payments into broader financial services. Backed by over $120 million in equity financing from Blockchain Capital, Polychain Capital, and SC Ventures, and processing over $10 billion in cumulative volume through 106+ Tier 1 banking and liquidity partners, Yellow Card is one of the most operationally scaled stablecoin payment gateways serving emerging markets.

Remitano operates a multi-layer payment infrastructure built around its escrow-backed P2P trading core, supporting over 80 fiat currencies and more than 50 payment methods across more than 50 countries. Beyond P2P, the platform offers a crypto swap tool at a flat 0.25% fee, lending and borrowing products, liquidity pools for passive yield, and an NFT marketplace — all within a single interface. The maker pays 1% on P2P trades while takers pay nothing, and users holding RENEC receive up to 20% fee discounts on swap pairs, tying token utility directly to payment activity on the platform. On Solana, Remitano is accessible through wrapped RENEC, an SPL token bridged via a lock-and-mint mechanism from the project's independent RENEC chain, giving Solana-based traders on-chain access to the platform's native asset through Solana DEX infrastructure. The platform's fiat gateway role across Nigeria, Ghana, Vietnam, and Malaysia positions it as an indirect on-ramp for users in those regions who may subsequently bridge into Solana-native DeFi, connecting emerging market payment flows to the Solana ecosystem.

NoOnes built a layered set of payment tools around its core P2P cryptocurrency marketplace, supporting Bitcoin and USDT trading across more than 500 payment methods with escrow to reduce counterparty risk without a centralized custodian. A swap function provided instant crypto-to-crypto conversions at live market rates, covering BTC, USDT, Ethereum, Solana, and TRON. A NoOnes Visa virtual card enabled USDT spending through Apple Pay and Google Pay, bridging on-chain holdings to everyday consumer payment rails. Additional payment products included SnapX, a gift card marketplace where users could buy or sell digital gift cards from Amazon, Steam, and Xbox using USDT. A crypto off-ramp converted holdings to local currency via bank transfer or mobile money, and a public transparency dashboard displayed platform reserves and activity statistics. The platform closed permanently on August 21, 2026, after EU sanctions caused blockchain monitoring providers to classify its wallet addresses as high risk, triggering automatic rejections from the payment partners and liquidity providers it relied on.

AEON is a payment orchestration protocol that lets users pay in cryptocurrency while merchants receive local fiat currency. The platform operates across physical retail terminals — including McDonald's, KFC, Burger King, and UNIQLO — and online merchants in the Philippines, Nigeria, Mexico, Brazil, Georgia, and Peru. By end of 2025, AEON reported $263 million in total payment volume and 5.7 million processed transactions. AEON Pay handles QR code-based retail payments; AEON Checkout provides a Stripe-like widget for e-commerce, abstracting chain selection, wallet compatibility, and gas fees from merchants and users alike. The merchant network exceeds 50 million terminals globally, with integrations spanning Binance Wallet, OKX Wallet, Bitget Wallet, and Solana Pay. Merchants on Solana Pay can receive AEON-routed crypto payments without additional infrastructure.

BingX includes EventX, an event-based prediction market product tied to real-world outcomes, as part of its core product suite. EventX allows users to take positions on the results of events rather than direct asset price movements, extending the range of market structures available on the platform. This sits alongside spot, perpetual futures, and TradFi CFD products under a single account framework. Prediction markets are offered in a centralized exchange environment, with BingX handling settlement and liquidity. The product is accessible to BingX's registered user base of over 20 million across 185 countries. EventX represents one of four core product lines the exchange operates, reflecting BingX's strategy of offering diverse market structures beyond standard crypto trading.

CoinMENA is a regulated cryptocurrency exchange serving the Middle East and North Africa that enables users to buy, sell, and withdraw digital assets in eight regional fiat currencies, including Bahraini dinar, UAE dirham, Saudi riyal, and Egyptian pound. The platform supports bank transfer and credit or debit card funding, with direct withdrawals to local bank accounts — addressing a gap in MENA markets where crypto-to-fiat conversion historically required offshore routing. Operating under a Central Bank of Bahrain Category-3 license and a Dubai VARA license, CoinMENA provides retail and OTC access to over 80 cryptocurrencies across 45-plus countries. As of 2025, the platform has processed more than $5 billion in total transactions for over 1.5 million registered users, functioning as a regulated fiat-to-crypto payment gateway across the Gulf Cooperation Council and the broader MENA region.

Uquid is a Web3 commerce platform letting users spend over 100 cryptocurrencies on more than 160 million products without fiat conversion. A multi-network payment layer accepts USDT and native tokens, settling merchants via smart contracts. The Uquid Shop covers gaming gift cards, software licences, mobile top-ups, eSIMs, event tickets, and prepaid cards. A Buy Now Pay Later feature called Payin3 gives UQC holders a 90-day interest-free window on qualifying purchases. Uquid added USDT on Solana in December 2024, citing network speed and low fees. USDT-SOL reached a 97% checkout success rate—second among all supported networks—and logged over 142,000 transactions in its first quarter live. Active shopper counts grew 55% in the six months that followed, led by users in Oceania and Asia. The integration was built with Tether to demonstrate USDT real-world spending on Solana.

Stables provides API-first stablecoin payment infrastructure enabling businesses to collect and disburse payments across more than 160 countries, with settlement completing in under one hour on average. The platform's virtual account feature gives businesses reusable local payment details that automatically settle in USDt when customers make local bank transfers, removing the need to hold fiat balances across multiple jurisdictions. Transfers can route to local bank accounts, mobile money wallets, or stablecoin addresses, and a quote-first model shows the exact exchange rate, fees, and settlement time before any funds move. The platform handles over $2 billion in annual USDt volume and is SOC 2 certified with a 99.99 percent uptime SLA, serving fintechs, payment aggregators, crypto exchanges, and AI-driven commerce platforms across Asia and the Middle East and North Africa. An August 2026 partnership with Access Bank South Africa extended coverage to African trade corridors linked to Asian payment rails. Multi-jurisdictional regulatory licensing across Australia, Europe, and Canada allows Stables to act as a single compliant counterparty for businesses operating across these regions.

ReFi Hub is an on-chain investment platform that tokenizes operating clean energy infrastructure and routes real-world revenue directly to Solana investors in USDC. The platform sources vetted solar plants and EV charging assets, structures revenue-share agreements with operators, and allows USDC investment in exchange for monthly on-chain distributions tied to electricity sales and charging fees. Each asset undergoes independent smart contract audits, insurance verification, and legal review under Singapore law before listing, giving investors asset-level transparency rarely available in traditional infrastructure funds. As of late 2025, ReFi Hub had deployed approximately 491,000 USDC across seven live operating assets, achieving a blended realized IRR of around 14% with zero defaults across 20 consecutive months of distributions. The platform's composable Volt token further aggregates returns from multiple solar assets into a single DeFi-compatible instrument targeting 7–9% annual yield, with weekly withdrawal windows and KYC-permissioned access designed to make infrastructure-backed returns usable as collateral inside lending protocols.

FinchPay is a regulated fiat-to-crypto and crypto-to-fiat exchange platform that accepts Visa, Mastercard, SEPA bank transfers, and regional payment methods such as PIX and PicPay for Latin American markets. It supports more than 20 cryptocurrencies — including SOL, USDC on Solana, and USDT on Solana — across more than 100 countries, targeting a 15-minute transaction completion time with no hidden fees. Businesses can integrate FinchPay's exchange capabilities through an embeddable widget, calculator, REST API, webhooks, or a Telegram Mini App, enabling fiat on- and off-ramp functionality without building a full exchange stack in-house. Originally licensed in Lithuania as a VASP under EU regulation, FinchPay transferred its regulated operations to ZENVIA TECH LIMITED, a Canadian FINTRAC-registered Money Services Business, effective July 2026.

BitDelta is a multi-asset centralized exchange that positions itself as a bridge between traditional financial markets and crypto. Its derivatives suite spans more than 370 markets covering not just cryptocurrency futures but also forex pairs, equity indices, individual stocks, and commodities — all accessible with up to 10x leverage on a single platform. This makes BitDelta more comparable to a multi-asset broker than a crypto-only venue, giving Solana traders a route into conventional financial instruments alongside their digital-asset positions. The platform is registered across multiple jurisdictions including Romania, Poland, Croatia, and St. Vincent and the Grenadines, and uses Fireblocks for institutional-grade custody infrastructure. For traders who want exposure to real-world markets through a crypto-native interface, BitDelta consolidates spot, derivatives, copy trading, and OTC into one venue. Its copy trading feature lets users replicate verified top performers automatically, while the signal bot integrates with TradingView to trigger orders from community-generated signals. SOL/USDT is listed as a spot pair, giving Solana holders direct access. The BDT native token on Ethereum provides fee discounts and governance rights, and the launchpad is positioned to onboard new token projects including those from the Solana ecosystem.

Quidax is a Nigerian-founded cryptocurrency exchange established in 2017, serving retail users and businesses across Africa with locally denominated trading and cross-border payment rails. The platform supports more than 75 digital assets traded in African currencies including the Nigerian Naira, Ghanaian Cedi, and Kenyan Shilling. In 2025, Quidax secured full Virtual Asset Service Provider status from the Nigerian Securities and Exchange Commission, making it one of the most compliance-forward crypto platforms operating on the continent. Its commercial offering spans retail exchange, a B2B Crypto API, a Quidax Visa card for in-store cryptocurrency conversion, and stablecoin settlement infrastructure covering more than 21 countries and 14 currencies. As of mid-2026, more than 5,000 businesses use the platform across payments, remittance, banking, and gaming. Solana is a supported spot trading pair on the exchange, and the team has announced plans to bridge the native QDX token to the Solana network.

LCX is a regulated cryptocurrency exchange incorporated in Liechtenstein, operating under the Token and Trusted Technology Service Provider Act since 2018. The exchange offers spot trading in Bitcoin, Ethereum, and other digital assets and has applied for MiCA CASP authorization with the Liechtenstein Financial Market Authority. The company maintains regulated entities in Liechtenstein, Lithuania, and the United States. Liberty Chain, LCX's Layer-2 blockchain built on Optimism's OP Stack, is designed for the tokenization of real-world assets under regulated conditions. The network organizes issuance across an Asset Layer for registering verified tokenized assets, a Policy Layer for embedding programmable compliance rules into token behavior, and a Liquidity Layer for connecting to trading venues and cross-chain environments. Mainnet is targeted for Q3 2026, with the LCX token serving as the fee and governance asset for the network.

Tokocrypto is Indonesia's primary regulated fiat-to-crypto gateway, offering zero-fee conversions between Indonesian Rupiah (IDR) and digital assets alongside full on-ramp and off-ramp services. As the country's first BAPPEBTI-registered exchange, it provides the legal and compliance framework Indonesian retail investors need to move capital between the traditional financial system and digital assets. BIDR, a 1:1 IDR-pegged stablecoin, is natively supported to further connect fiat liquidity with DeFi participation. With over 4.5 million registered users and Rp650.61 trillion in 2024 trading volume, Tokocrypto is the dominant fiat gateway for Southeast Asia's largest economy. Its dollar-cost averaging (DCA) tool and mobile app lower the barrier for first-time investors, while its TKO token grants holders access to Launchdrop campaigns, NFT marketplace participation, and discounted trading fees — reinforcing the cycle between retail capital inflows and decentralized ecosystem access.

Bitunix Ultra is a product line that lists tokenized traditional-finance instruments as perpetual futures, giving traders crypto-native exposure to TradFi markets without opening a separate brokerage account. The suite includes US-listed ETFs such as the SPDR S&P Biotech ETF and various leveraged single-stock ETF products, all priced and settled in USDT using the same margined framework as the crypto perpetual contracts. The offering targets traders already active in crypto who want directional exposure to equity and sector products through a familiar interface. Bitunix Ultra is part of a broader effort to expand the exchange tradeable universe beyond crypto assets. Traders can manage both crypto and TradFi derivatives exposure from a single account without splitting activity across separate venues or converting between account types.

NOWPayments is ChangeNOW's dedicated crypto payment gateway, allowing merchants, decentralized applications, and platforms to accept cryptocurrency as payment for goods and services. It uses the same swap infrastructure as the consumer exchange, handling routing and conversion automatically so that merchants can receive a preferred asset regardless of what the customer pays in. The service supports more than 1,500 cryptocurrencies including SOL and SPL tokens on Solana. The payments product extends ChangeNOW's swap capabilities into real-world commerce use cases, bridging on-chain value to merchant workflows without requiring custodial accounts for the underlying conversion flow. Recent product additions include crypto payment links and permanent exchange addresses for recurring deposit flows, lowering friction for businesses integrating cryptocurrency into payment acceptance. These capabilities position ChangeNOW as an infrastructure layer connecting digital assets to practical payment scenarios.

eNor Securities is a regulated exchange, brokerage, and custodian headquartered in El Salvador, with a core focus on tokenized Real World Assets for Latin American investors. It lists tokenized equities, ETFs, and bonds through a partnership with Backed Finance, including bCOIN (Coinbase stock) and bCSPX (BlackRock S&P 500 ETF shares). These tokens are backed 1:1 by underlying assets held in regulated custody, giving clients on-chain exposure to global capital markets. eNor also offers Tokenized IPOs (T-IPOs), enabling startups to raise capital through on-chain primary issuances. The platform serves retail, institutional, corporate, and high-net-worth investors who previously lacked direct access to international equities and fixed income from within Latin America. Its unified marketplace combines spot crypto trading — including Bitcoin, Ethereum, and Solana — with regulated tokenized securities under one licensed entity. Founded in 2021, eNor operates under El Salvador's Digital Assets Issuance Law of 2023, positioning itself as an early licensed mover in on-chain capital markets for the region.

Ankr explicitly describes its node network as a decentralized physical infrastructure network, operating bare-metal servers across more than 30 global regions through multiple independent node operators rather than a single centralized provider. The network serves over 760,000 unique geographic locations monthly, distributing RPC load to reduce single points of failure across the 70+ chains it supports. The ANKR token is connected to this physical layer through Forge, a rewards program launched in July 2026 where holders maintaining at least 13,500 ANKR on Ethereum mainnet earn monthly drops funded by revenue from chain partnership deals. Rather than relying on protocol emissions, Forge anchors token economics directly to the commercial activity the node infrastructure generates. As Ankr onboards additional chains and negotiates revenue-sharing agreements, the pool available to ANKR holders expands proportionally. This positions the token as a stake in the network's RPC deal flow, tying holder returns to the growth of a distributed physical infrastructure operation spanning multiple continents.

Alchemy Pay is a regulated payment technology company founded in 2017 and headquartered in Singapore, operating fiat-to-crypto and crypto-to-fiat conversion infrastructure across 173 countries through more than 300 fiat payment channels and 50 local currencies. The platform supports Visa, Mastercard, Apple Pay, Google Pay, bank transfers, and mobile wallets, allowing business partners to embed on-ramp and off-ramp functionality directly into wallets, exchanges, and decentralized applications. Merchants integrating via Shopify plugins or direct APIs can accept crypto from customers while receiving settlement in local currency, removing direct price exposure. The company also issues branded virtual and physical debit cards through Visa and Mastercard partnerships, enabling crypto holders to spend at standard payment terminals. In October 2024, Alchemy Pay announced Alchemy Chain, an SVM-based Layer-1 blockchain built for stablecoin payments and cross-border settlement, with mainnet launching in May 2026. The chain includes a Token Management System that lets businesses issue and manage stablecoins and tokenized real-world assets without writing custom smart contracts. As of mid-2026, Alchemy Pay holds Money Transmitter Licenses in 19 US states and has designed Alchemy Chain to align simultaneously with EU MiCA, PSD2, and Hong Kong HKMA stablecoin regulations.

ONUS issued HNG, a digital token tied to HANAGOLD Jewelry Company, a Vietnamese retailer dealing in gold jewelry and precious metals. HNG was marketed to retail investors as a token representing jewelry-backed value, enabling users to hold a digitized claim on physical goods through the ONUS mobile app. The token was bundled into savings and investment products within the platform, positioning ONUS as a venue for tokenized physical-asset exposure alongside standard cryptocurrency trading. Vietnamese authorities later alleged that HNG, together with VNDC and the ONUS governance token, was issued without genuine asset backing and promoted through misleading materials and wash trading designed to inflate prices. Criminal proceedings initiated in March 2026 included fraud and money laundering charges against seven individuals, among them the director of HANAGOLD Jewelry JSC. The platform and its associated tokens lost effective utility when ONUS was shut down by authorities that same month.

MugglePay is a non-custodial stablecoin payment gateway enabling merchants to accept USDC and USDT directly into their own wallets, without an escrow intermediary. Founded in 2019 and headquartered in Singapore, it has served over 14,000 merchants across 50+ countries and processed more than 1 million orders. Integration paths include pre-built plugins for WooCommerce, Shopify, and WHMCS, shareable payment links, and a REST API covering order creation, refunds, and webhooks. Setup is designed to take approximately five minutes with fees quoted as low as 0%. Because funds settle directly to the merchant wallet, MugglePay eliminates settlement delays and counterparty risk common with traditional processors. Customers do not need a preconfigured Web3 wallet, removing token-approval friction from checkout. The platform supports USDC and USDT across more than 20 blockchains including Solana, Ethereum, BNB Chain, and Tron. AI agent payments are also an explicit product category, allowing autonomous software to initiate crypto payments programmatically.

OneSafe is a neobanking platform built for Web3 businesses that need to operate across fiat and digital assets without juggling separate accounts or exchanges. The platform provides business accounts in USD, Euro, and CAD with ACH transfers, domestic and international wires, and bill payments — giving crypto-native companies the standard payment infrastructure traditional banks have routinely denied them. A built-in 24/7 on/off-ramp enables real-time crypto-to-fiat conversion at zero commission, and the platform absorbs network gas fees on supported chains including Solana. For Solana-native businesses earning revenue in SOL or USDC, OneSafe enables fiat payroll, vendor payments, and multi-jurisdictional contractor payouts through a single dashboard. Corporate Mastercard cards — physical and virtual — allow teams to fund expenses directly from crypto or fiat balances without manual conversion steps. The platform has processed over $800 million in transaction volume across more than 1,000 businesses in 30-plus countries, with digital asset custody provided by Fireblocks institutional infrastructure.

Aliniex, now operating under its AliX Pay brand, provides fiat-to-crypto on/off ramp infrastructure for fintech companies, e-commerce operators, and crypto platforms across Southeast Asia. Its Scan-to-Pay product integrates with national QR payment standards — QRIS, QRPH, and InstaPay — alongside regional e-wallets including GCash, Maya, and GrabPay, covering more than 34 million merchant acceptance points. Settlement runs through USDC and USDT on Solana, Ethereum, and Polygon PoS. The platform operates in over 11 countries and holds a VASP license in Poland and an MSB license in Canada. Circle Alliance membership provides priority USDC liquidity, while Chainalysis and Sumsub integrations handle blockchain analytics and KYC/AML. A white-label API suite lets enterprise clients embed order creation, live pricing, and identity verification directly into their payment workflows.

Bitstamp has held EU payment institution status since 2016, operating as a regulated fiat on-ramp and off-ramp for European users. In September 2025, it added the Solana network as a USDC transfer rail, joining Ethereum, Stellar, Optimism, Polygon, Avalanche, and Arbitrum. Users can deposit USDC from a Solana wallet or withdraw to one directly, providing a fast, low-cost path between Bitstamp's custodial environment and Solana-based protocols. Users acquire USDC via bank transfer or card and withdraw directly to a Solana wallet address, or sweep on-chain funds back into fiat settlement through the same rail. Bitstamp's MiCA CASP license and European Passport make this flow available across all EU and EEA member states from a single authorization. The Quick Buy/Sell/Convert interface handles purchases without order-book access, lowering the barrier for users entering Solana's ecosystem through a regulated gateway.

Bitrefill is a Swedish crypto e-commerce platform founded in 2014 that lets users spend digital assets — including SOL, USDC, Bitcoin, and Ethereum — on everyday products without first converting to fiat currency. The platform offers more than 8,000 gift cards from global brands including Amazon, Netflix, Spotify, Apple, Walmart, and Uber, alongside eSIMs covering 140-plus countries and prepaid phone refills across a wide range of carriers. Bitrefill has served more than one million customers and operates in over 186 countries, making it one of the longest-running crypto payment utilities in the market. No account or identity verification is required for basic gift card and phone top-up purchases, keeping friction low for users who prefer to spend without onboarding through a traditional exchange. For Solana holders, Bitrefill provides a direct path from SOL to consumer goods and services at checkout without an intermediate exchange step. The platform integrates the LI.FI decentralized exchange aggregator, which lets users holding long-tail Solana tokens swap into a checkout-compatible asset at the point of purchase, broadening access beyond just SOL and USDC holders. The Bitrefill Card, a Visa-branded virtual card targeted primarily at European users, extends this further: users load SOL onto the card and spend it anywhere Visa is accepted, bridging on-chain assets to offline retail. Together, these features position Bitrefill as a practical spending rail for the Solana ecosystem.

FiveWest provides enterprise-grade payment infrastructure for cross-border capital movement between Africa, Asia, and global markets, built on a comprehensive South African regulatory stack including FSCA, SARB, and PASA authorisations. The platform's ZAR Payouts product automates conversion and disbursement of digital assets into South African Rand for businesses paying employees or suppliers in local currency, with ZAR settlements completing in under five minutes. Its Collections product enables businesses to receive payments in ZAR, EUR, and USD without establishing local entity structures in each market, while the Payment Gateway allows merchants to accept cryptocurrency with back-end ZAR settlement, shielding them from price volatility. FiveWest targets enterprises running cross-border payroll, high-frequency remittance operators moving volume through African corridors including NGN, KES, and GHS pairs, and treasury teams managing multi-currency exposure across Sub-Saharan Africa.

Gateway.fm positions itself as the infrastructure layer for tokenized finance and institutional blockchain deployments, explicitly targeting banks, central banks, and financial market infrastructure operators building products such as tokenized deposit systems, wholesale CBDC settlement layers, and real-world asset issuance platforms. Its Gateway Orchestration product allows institutions to procure and launch a complete tokenized financial product through a single coordinated vendor rather than assembling multiple specialist providers independently. The company's Open Privacy Suite provides controlled visibility, privacy zones, and selective disclosure for institutional EVM environments, addressing the regulatory requirement that tokenized asset issuers share transactional data with regulators and auditors while keeping it shielded from other market participants. Gateway's blog output through 2026 reflects sustained engagement with tokenized bank deposits, migration paths from legacy permissioned blockchains such as Hyperledger Fabric, and real-world asset tokenization frameworks for regulated capital markets.

Kotani Pay is a Nairobi-based fintech infrastructure company that connects blockchain networks to African mobile money systems through on-ramp and off-ramp APIs supporting USDT, USDC, and cUSD stablecoins. Its white-label API is used by crypto wallets, neobanks, and fintech platforms to offer African users real-time stablecoin-to-local-currency conversions through services such as M-Pesa in Kenya and MTN Mobile Money in Ghana and Zambia. The platform supports 15 or more blockchains including Celo, Stellar, Polygon, Optimism, and Arbitrum, and processes payments via USSD — dial-code menus that work on any GSM phone, including basic feature phones without internet access. As of 2023, Kotani had processed approximately $23 million in transaction volume; in October 2025, Tether made a strategic investment to expand USDT-based settlement for SMEs and corporate clients across African emerging markets.

Loop Crypto built smart contract-powered recurring billing infrastructure that enabled merchants, SaaS companies, and e-commerce platforms to accept stablecoin autopayments on Solana and multiple EVM chains. The platform handled the full payment lifecycle — checkout interface, one-time wallet authorization, scheduled recurring charge execution, basic dunning for failed payments, and settlement in either crypto or fiat — at a flat 0.75% transaction fee. USDC dominated Loop payment volume at roughly 98%, reflecting merchants preference for price-stable billing over volatile asset exposure across monthly subscription cycles. Integrations with Stripe, Chargebee, and OpenPay let existing billing software providers adopt on-chain payment rails without rebuilding their payment stacks from scratch.

Mercuryo is a B2B payment infrastructure layer that embeds fiat-to-crypto and crypto-to-fiat conversion directly into third-party applications through a white-label widget and API. More than 500 web3 companies — including MetaMask, Trust Wallet, Ledger, 1inch, PancakeSwap, Bybit, and Telegram Wallet — use the platform to handle on-ramp and off-ramp flows without building or licensing their own payment rails. The product suite accepts credit and debit cards, Apple Pay, Google Pay, bank transfers, and SEPA for on-ramp purchases, plus local payment methods across 150 countries for off-ramp withdrawals. A January 2026 integration with Visa Direct added near-real-time fiat settlement to off-ramp transactions. Mercuryo has processed over $2 billion in total volume, generated approximately $15 million in revenue-share for partners, and reports an on-ramp conversion rate that improved from 12 percent to 21 percent year-over-year as of mid-2026. Stablecoins accounted for 57 percent of off-ramp transactions during this period, reflecting the platform's growing role in stablecoin-denominated payment flows.

StealthEX complements its crypto-to-crypto swap service with a fiat on-ramp that lets users purchase cryptocurrency using EUR, USD, GBP, or RUB via card payment through third-party payment partners. KYC applies at the payment-provider level for fiat purchases above approximately $900 or 700 EUR, but the fiat route operates independently of the main non-custodial swap flow. For Solana users, this provides a direct path from fiat currency to SOL or Solana-ecosystem tokens without requiring a separate exchange account. The platform's partner API extends its payment utility further, allowing businesses and developers to embed swap and conversion functionality into wallets, dApps, or financial tools. StealthEX charges approximately 0.4% per swap with no subscription tiers, account fees, or withdrawal fees imposed by the platform itself. With support for over 2,000 assets and direct Solana integration, it offers a broad range of currency conversion options for payment-adjacent use cases across the ecosystem.

Blockradar is a Wallet-as-a-Service platform that gives fintech companies stablecoin payment infrastructure through a single API. Builders can issue non-custodial wallets, send and receive USDC and USDT, and handle treasury flows without building blockchain plumbing. The checkout module generates branded payment links and virtual account numbers linking on-chain addresses to local bank rails in markets like Nigeria and Colombia. Blockradar targets cross-border corridors in Africa, Latin America, the Middle East, and Southeast Asia for B2B payments, remittances, on/off-ramp services, and stablecoin savings. As a Day-One Partner for Circle's CCTP, it routes native USDC across Solana, Ethereum, Base, Celo, and other chains without bridge intermediaries. By August 2026 the platform had processed over $1 billion in stablecoin volume for hundreds of fintechs across more than 20 countries.

Request Finance is a business payment platform that processes crypto and fiat transactions for more than 2,000 companies across 170 countries. Its core product suite covers accounts receivable, accounts payable, payroll disbursements, batch vendor payments, and employee expense reimbursements, with Solana USDC and USDT support added in 2024. Businesses can issue invoices denominated in local currencies and collect payment in stablecoins or fiat, with on-chain settlement tracked automatically through the underlying Request Network protocol. Solana's low transaction costs and high throughput make it a practical settlement layer for the volume of business payments the platform processes. By late 2025, Request Finance had processed over $1.2 billion in cumulative transaction volume, handling 4,185 crypto payments worth $30.6 million in November 2025 alone. Batch payment tools allow companies to settle hundreds of vendor invoices or employee salaries in a single transaction cycle, reducing the operational overhead of manual disbursements. The platform's dual-rail design — supporting both on-chain crypto settlement and traditional SWIFT and IBAN bank rails across 190 countries — gives it broader utility than pure crypto-native payment tools for businesses operating across jurisdictions.

Hotcoin Global is a centralized cryptocurrency exchange that supports direct peer-to-peer transactions through a dedicated P2P trading module, allowing users to buy and sell digital assets using flexible local payment methods across more than 180 countries and regions. Spot trading spans over 800 active markets including SOL/USDT and SOL/USDC pairs, and credit card crypto purchases are also supported, giving the platform a broad range of fiat-to-crypto conversion options for retail users worldwide. These features position Hotcoin as both a trading venue and a practical payment gateway for users seeking to move between local currencies and digital assets. The platform's regulatory standing reinforces its credentials in the payments space. Hotcoin holds an active Digital Currency Exchange registration with AUSTRAC in Australia and is registered as a Money Services Business under FinCEN in the United States, requiring ongoing compliance with anti-money laundering and know-your-customer standards. Operating under these dual-jurisdiction obligations distinguishes it from unregulated venues and provides a degree of institutional confidence to the over 7 million registered users who rely on the platform for crypto-based payment and conversion activity.

Biconomy is a centralized cryptocurrency exchange founded in October 2019 and registered in the British Virgin Islands, serving over 500,000 verified accounts across more than 150 countries. Through its xStocks product, the platform provides tokenized equity exposure, enabling users to trade instruments linked to traditional stocks alongside their crypto holdings within a single account. This extends Biconomy beyond conventional crypto trading toward a multi-asset retail brokerage model that incorporates real-world financial instruments. The xStocks feature allows traders already active on Biconomy's spot market and perpetual futures products to access equity-linked tokenized instruments without switching platforms or custodians. This integration brings traditional financial assets on-chain for retail and semi-professional participants, adding real-world asset exposure to a venue that also lists 491 cryptocurrencies and around 60 perpetual futures markets with leverage up to 100x.

BitMart is a centralized digital asset exchange that entered the crypto payments space with the September 2025 launch of the BitMart Card, a Visa-branded debit card that lets users spend crypto balances directly at merchants accepting Visa. The card removes the need for manual conversion before spending, connecting the exchange custody layer to everyday consumer payments without additional steps. The payments capability sits within a full-service trading platform covering spot, perpetual futures, margin trading, staking, and copy trading. BitMart native USDT-SPL and USDC-SPL deposit and withdrawal routes on the Solana network reduce friction when moving stablecoins between the exchange and on-chain activity. The platform operates in 180 countries under FinCEN registration and, as of June 2026, an Australian Financial Services Licence.

Coinify is a B2B cryptocurrency payment and trading infrastructure company that lets businesses accept crypto at checkout and offer fiat on-ramp and off-ramp services without building their own compliance or banking relationships. Founded in 2014 in Copenhagen, it serves over 60,000 businesses and 65 global payment service providers across more than 170 countries. Its merchant payment product handles currency conversion and regulatory compliance on the platform side, with settlement available in fiat or crypto. Its white-label trade widget embeds fiat conversion into third-party wallets, exchanges, and DeFi platforms, supporting more than 35 tokens across more than 20 blockchains. USDC settlement on Arbitrum, Optimism, and Base was added in April 2025, extending its stablecoin payment coverage. An OTC desk serves institutional clients needing to execute large block trades. Merchant checkout integration can require as little as a single line of code.

Fonbnk is a stablecoin settlement platform that converts prepaid mobile airtime and mobile money transfers into stablecoins across 17 markets, primarily in Sub-Saharan Africa. The two-sided marketplace matches users who hold airtime or M-Pesa credits with liquidity providers who exchange them for USDC, USDT, and other supported assets. Transactions complete in under 30 seconds once a provider confirms receipt, and daily wallet limits are set at 200 USD in alignment with FinCEN de minimis compliance thresholds. Individual airtime transactions are capped at KES 5,000–10,000, keeping the platform suited for everyday payment volumes. Businesses and wallets can integrate Fonbnk through a zero-code embeddable widget, a merchant dashboard for order monitoring and reconciliation, or a signed REST API with webhook support for real-time order-status notifications. Partner wallets already live include MiniPay, MetaMask, Trust Wallet, Brave, Cenoa, and the aggregator Onramper. Institutional liquidity is provided by Flutterwave, Kotani Pay, and Bitmama. Stablecoin settlement is available across 15 blockchain networks including Solana, enabling wallets and merchants to accept payments sourced from mobile money networks in markets where card infrastructure is limited.

Guardarian is a non-custodial fiat-to-crypto gateway processing buys, sells, and swaps across 1,000-plus cryptocurrencies and 30-plus fiat currencies in over 170 countries, with no account required. Purchases are funded via Visa, Mastercard, Apple Pay, Google Pay, or SEPA bank transfer, and crypto goes directly to a user-supplied wallet address — the platform never holds funds in custody. A flat-fee model of roughly 2.49 EUR per buy and 3.49 EUR per sell replaces percentage-based spreads, keeping costs predictable for larger transactions. Solana users can buy or sell SOL natively, and a direct Jupiter integration brings the fiat ramp inside Solana's leading DEX aggregator. Wallet providers and Web3 projects embed the gateway via a configurable widget or REST API, with partners including Ledger, Atomic Wallet, CoinEx, and Gate.io. Guardarian holds VASP registration in Lithuania under FCIS supervision and is registered as a Money Services Business with FINTRAC in Canada, with active work toward EU MiCA compliance.

1Konto routes institutional cross-border payments through stablecoin rails, settling transactions in under one hour at costs up to 50 percent lower than traditional SWIFT workflows. Its 1KPrime platform converts fiat to stablecoin at origin, moves value across blockchain infrastructure, then converts back to local fiat at the destination—eliminating the correspondent banking chains that slow and inflate conventional international transfers. The platform supports more than a dozen currency pairs including USD, EUR, GBP, JPY, MXN, and ZAR, and connects to existing bank and custodial systems through an API layer that requires no rebuild of core infrastructure. As of 2025, 1Konto has processed over $3.5 billion in volume across more than 80 institutional counterparties, serving banks, payment service providers, corporate treasury operations, and development organizations handling multi-currency cross-border disbursements.

Koywe is a B2B payment platform that gives businesses a single API to collect local payments across Latin America—via PSE and Nequi in Colombia, Pix in Brazil, SPEI in Mexico, and Khipu in Chile—and settle funds in stablecoins or local currency the same day. The company entered Y Combinator's Winter 2023 batch, raised $12.5 million from investors including Franklin Templeton, and has processed over $2 billion in annualized transaction volume across eight countries. The platform's RESTful API exposes four core flows—inbound collection, outbound vendor payment, cross-currency balance transfer, and fiat-to-crypto ramps—with a sandbox environment and webhook notifications. This allows fintechs and multinational companies to access Latin American payment rails without maintaining separate bank accounts in each market, while stablecoin settlement routes across blockchains including Solana through Koywe's integration with Circle's Payments Network.

Uphold supports 27 fiat currencies alongside its crypto and commodity holdings, providing an on-ramp and multi-currency account accessible in over 150 countries. The platform enables on-chain deposits and withdrawals for assets including Solana, allowing users to move SOL between self-custody wallets and their Uphold balance. Recurring purchase automation via the Autopilot feature lets users build positions in any supported asset on a scheduled basis without manual intervention. A Mastercard-branded crypto debit card is available in the UK and US, enabling users to spend crypto holdings at point of sale — with 1% cashback in the UK and XRP rewards in the US. Uphold holds FinCEN registration in the United States, FCA crypto registration in the UK, FINTRAC registration in Canada, and is supervised by the Bank of Portugal in Europe, giving the payment infrastructure a regulated footing across major markets.

Mesh is a crypto payments infrastructure company that enables businesses to accept cryptocurrency from over 300 wallets and exchanges through a single API integration. The core product, SmartFunding, processes payments from any of 100+ supported cryptocurrencies while settling instantly to merchants in stablecoins (USDC, PYUSD, USDT, or RLUSD) or local fiat currency. SmartFunding can draw on up to five funding sources simultaneously within a single transaction, handling chain routing, asset conversion, and compliance automatically. The platform processes close to $10 billion in monthly transaction volume. Merchant and services partners include PayPal, prediction market Kalshi, card-funding platform Rain, and payments processor Shift4. The platform's six functional modules cover Payments, Deposits, Verification, Payouts, Stablecoin Settlement, and On/Off-Ramps. Infrastructure partnerships with Paxos, Ripple, and Stellar support settlement across stablecoins that reached a $300 billion market cap and $27 trillion in annual transaction volume through 2025. Mesh raised $82 million in a March 2025 Series B and $75 million in a January 2026 Series C, reaching a $1 billion valuation.

Metal Pay is a licensed cryptocurrency exchange and payments application operated by Metallicus, Inc., a U.S. money services business registered under NMLS ID 2057807. The platform functions as a fiat-to-crypto on-ramp and off-ramp, enabling users in the US, Australia, and New Zealand to purchase and sell digital assets using debit cards, credit cards, or linked bank accounts. Metal Pay emphasizes transparent pricing with no spread-based markups and promotes its card fees as among the lowest in the industry, with daily purchase limits raised to $10,000 in the Metal Pay 3 update. Peer-to-peer transfers between Metal Pay users are processed through XPR Network, Metallicus's own high-throughput blockchain handling over 4,000 transactions per second. Transfers use human-readable @name usernames rather than cryptographic wallet addresses, reducing user error risk. Solana is a supported and actively promoted asset on the platform, allowing users to purchase, trade, and send SOL through Metal Pay's regulated payment infrastructure without the compliance ambiguity associated with some unregistered offshore exchanges.

Nuvei is a global payment technology company that built its Solana connection through Visa's stablecoin settlement pilot, announced in September 2023. As a participating merchant acquirer, Nuvei can receive USDC on the Solana blockchain as settlement for card transactions processed through VisaNet, replacing traditional fiat bank wire transfers after a transaction clears. Solana was selected for this settlement layer for its high throughput and low transaction costs, qualities that matter at the speed and volume of card payment settlement. Beyond the Visa-Solana arrangement, Nuvei operates payment infrastructure for more than 450 crypto partners including exchanges, wallets, and NFT platforms, processing over $4 billion in crypto payments annually. A single API integration provides access to more than 720 alternative payment methods, local acquiring in 53 markets, and support for 150 currencies. The company also offers stablecoin-powered cross-border payouts across 14 blockchains, designed to lower FX costs and accelerate settlement versus traditional correspondent banking.