Real World Asset Platforms

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 has deployed and operates a network of approximately 2,500 physical cryptocurrency ATMs distributed across gas stations, convenience stores, grocery stores, and value retailers throughout the United States. This distributed physical infrastructure functions as a nationwide cash-to-crypto on-ramp, with most machines running 24 hours a day and discoverable through the Bitstop mobile companion app. The company placed its first machine at Miami International Airport in 2019 and has scaled through retail chain agreements, including placement at all 310 Royal Farms locations across Mid-Atlantic states. Select Bitstop sites also include physical gold ATMs dispensing spendable 24-karat Goldbacks alongside digital assets. Each machine incorporates identity verification, encryption, and surveillance to satisfy federal AML and KYC compliance requirements as a registered Money Service Business. The infrastructure is positioned within everyday retail environments to reach users who lack or prefer not to use traditional financial accounts, making it a physical distribution layer that broadens Solana ecosystem access beyond exchange-reliant users.

DataHive AI operates at the intersection of physical data infrastructure and decentralized networks, positioning itself within the DePIN category by enabling participants to contribute compute and storage resources to a distributed AI data layer. Rather than relying on centralized cloud infrastructure, the protocol allows node operators to supply the underlying physical resources that power its data processing and model training pipelines, creating an incentive-aligned network of real-world infrastructure contributors. Solana's high-throughput, low-latency architecture makes it a suitable foundation for coordinating this distributed physical infrastructure, handling the settlement and reward distribution for node operators who contribute to the DataHive network. By decentralizing the infrastructure layer that AI applications depend on, DataHive AI positions itself as an alternative to centralized data and compute intermediaries, rewarding participants who build and maintain the physical backbone of its AI data marketplace.

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.

Bitbond provides compliant token issuance infrastructure aimed squarely at traditional finance institutions seeking to put regulated financial instruments on-chain. Its client list includes UniCredit, ABN AMRO, Standard Chartered, Siemens, and Societe Generale — established names in global banking and corporate treasury. The company received BaFin authorization and describes its execution of Europe's first BaFin-sanctioned security token offering as a core part of its positioning for institutional clients operating under European securities law. The platform's Offering Manager module handles the full primary issuance lifecycle that traditional finance workflows require: KYC/AML investor onboarding, structured allocation and order management, multi-rail payment processing including bank transfer and stablecoins, and post-issuance servicing such as dividend distribution and cap-table updates. Bitbond's advisory layer helps issuers structure transactions within Germany's Electronic Securities Act (eWpG) and the EU's Markets in Crypto-Assets Regulation (MiCA), bridging the gap between traditional capital market compliance requirements and blockchain-based token issuance.

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.

TER is a sovereign-backed, gold-backed digital token issued by Gelephu Mindfulness City (GMC), a special administrative region of the Kingdom of Bhutan. Launched on Solana in December 2025, it represents one of the first instances of a nation-state digitizing sovereign gold reserves on a public blockchain. Each TER token is backed by physical gold held in institutional custody, combining the security of sovereign-held gold with the liquidity and transparency of blockchain infrastructure. The project targets international investors seeking a hedge against currency inflation without exposure to the counterparty risk found in privately issued gold tokens. Built on Matrixdock's institutional tokenization architecture and distributed exclusively through DK Bank, Bhutan's first licensed digital financial institution, TER operates under dual regulatory oversight from the Royal Monetary Authority of Bhutan and the Gelephu Mindfulness City Authority. Solana was chosen for its high throughput, low transaction costs, and minimal environmental impact, practical considerations for sovereign-level financial infrastructure. TER joins a growing cohort of real-world asset projects on Solana and marks Bhutan's step beyond Bitcoin holdings and crypto payments into active tokenization of sovereign wealth.

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 is a travel platform that builds real-world utility for cryptocurrency by embedding digital asset payments into everyday travel workflows. It connects users to third-party suppliers for flights, hotels, eSIM cards, and ground transportation through a single interface, with native crypto payment support and AI assistance throughout. Its Crypto Ready positioning treats digital assets as a functional medium for the physical commerce of international travel rather than a speculative instrument. The platform's crypto-linked travel cards and integrated cross-border remittance service represent two distinct real-world asset use cases: spending digital balances through standard payment networks and moving value across borders without traditional banking rails. For the Solana ecosystem, platforms like Traveeqo demonstrate how blockchain-native value can connect to physical-world commerce beyond DeFi and trading contexts.

LandDAO is a Solana-based DAO that acquires physical land parcels and represents each acquisition as an asset-backed NFT on-chain. The project targets a specific corner of the real-world asset space: large land parcels in pre-selected markets including Ghana, Portugal, and Spain, purchased after eighteen months of on-site research across eight countries. Unlike most RWA projects that focus on financial instruments such as tokenized treasuries or credit, LandDAO brings physical property — historically one of the least liquid asset classes — into an on-chain governance framework managed by token holders. The DAO pools community capital through LNDAO token sales, uses those proceeds to purchase legally verified land parcels, and mints NFTs representing each parcel's deed and legal documentation. Revenue from eventual land sales flows 65% to DAO members and 35% to the treasury, while 80% of quarterly profits fund token buybacks and burns. The project's first completed acquisition was 50 acres in Ghana's Kwahu Mountains, designated for eco-agriculture and sustainable tourism development after a three-year infrastructure improvement phase.

TruthX operates an event-based prediction market module that allows users to trade yes/no outcome contracts across a wide range of categories — crypto, sports, politics, economy, technology, culture, weather, and geopolitics. Each market features a probability chart, order book, trade history, and an integrated trading panel for buying or selling positions directly within the platform. What distinguishes TruthX's approach to prediction markets is the tight integration with its social intelligence layer: a signal that begins as a KOL tweet can be connected immediately to a related prediction market and executed in a single workflow. Filters for volume, liquidity, spread, and end time let users surface trending and high-activity markets efficiently, making it straightforward to identify where real capital and attention are concentrated at any given moment.

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.

Roaster runs prediction markets where the events being wagered on are AI rap battles rather than price feeds or real-world outcomes. Users open head-to-head battle markets, AI agents generate full tracks for each side, and participants deposit USDC into a parimutuel pool to back their preferred side. A three-judge panel of large language models — Claude, GPT, and Gemini — evaluates each battle and settles the market objectively. The time-weighting mechanism rewards early backers with larger shares of the pool than late entrants, creating genuine incentive for early conviction. What sets Roaster apart from typical Solana prediction markets is its event class: creative and cultural outputs rather than binary real-world events. By framing AI music competitions as tradeable markets, Roaster opens a novel category of outcome for onchain bettors to analyze and stake on, with USDC settling proportionally to winners after judging completes.

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

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

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

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

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

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

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

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

Kubera occupies a rare position as a platform designed to bridge traditional financial assets and blockchain holdings within a single consolidated net worth view. Users connect brokerage accounts, 401k and IRA accounts, real estate holdings, private equity LP positions, and physical assets such as vehicles and jewelry alongside crypto wallets, DeFi positions, and on-chain staking rewards — spanning the full breadth of both legacy finance and the on-chain world. The platform's Proof of Wealth feature, which generates a verified net worth snapshot for lenders, real estate counterparties, or due diligence purposes, is particularly relevant for crypto-native individuals who need to demonstrate financial standing to traditional institutions without manually assembling statements and letters. With over $47 billion in assets tracked across its user base, Kubera has established itself as a tool for high-net-worth individuals who move fluidly between TradFi accounts and Web3 portfolios.

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.

Blynex includes BX Work, an integrated freelance marketplace that allows service providers and clients to transact using the platform's native BX tokens. This makes Blynex one of the few centralized exchanges with a built-in labor market layer, blending trading infrastructure with a token-denominated payments system for independent workers. An integrated escrow mechanism is designed to reduce counterparty risk by securing transactions between buyers and sellers before funds are released. BX Work extends the utility of the BX token beyond exchange functions, giving it a real-economy use case as a medium of payment for freelance services. This positions Blynex as an ecosystem platform rather than a pure trading venue, though the feature's practical adoption depends on freelancers and clients willing to denominate and settle work in BX. The marketplace is part of a broader set of products, alongside staking and a gamified spinner feature, aimed at expanding token circulation within the Blynex ecosystem.

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.