Coinflow

Coinflow is a stablecoin-native payment infrastructure platform that lets businesses accept money from customers worldwide and pay it out globally—settling instantly via USDC rather than waiting days for traditional banking rails to clear.

The Problem

Traditional cross-border payments are a patchwork of local networks, correspondent banks, and currency conversion steps, each adding friction, delay, and cost. A marketplace operator handling international sellers, a gaming studio distributing royalties, or a remittance company moving money to Latin America all face the same constraints: settlement windows measured in days, chargebacks that arrive weeks late, and compliance burdens that vary by jurisdiction. Stablecoins resolve the settlement problem but introduce new ones—merchants generally do not want to hold or manage crypto on their own balance sheets, and accepting card payments alongside on-chain wallets requires bridging two very different technology stacks.

Coinflow was built to sit in the middle of that gap.

How It Works

At its core, Coinflow operates as a regulated payment service provider that uses stablecoins—primarily USDC—as the settlement rail between incoming payment methods and outgoing disbursements. When a customer pays by credit card, Apple Pay, ACH, or a bank transfer, Coinflow converts the fiat to USDC and deposits it into the merchant's on-chain treasury within minutes of payment approval. On the payout side, Coinflow routes funds to recipients via bank transfer, debit card push, PayPal, Venmo, real-time rails like RTP, or international networks including SEPA, PIX (Brazil), and Interac (Canada).

The result is that merchants get the familiar checkout experience of conventional card processors—PCI-compliant hosted forms, drop-in React components, mobile SDKs for iOS, Android, Flutter, and React Native—while their treasury settles in stablecoins on-chain rather than waiting on batch ACH cycles. Businesses that prefer fiat on their books can opt for daily ACH pushes to a bank account instead.

Coinflow maintains partnerships with banks including Cross River and with multiple stablecoin issuers. Those relationships give it the ability to mint and burn stablecoins directly, which is the mechanism that enables instant settlement rather than pre-funding a float.

Products

Checkout and Pay-ins covers card acceptance (Visa, Mastercard, Amex), Apple Pay, Google Pay, PayPal, Cash App Pay, ACH, wire transfers, SEPA, UK Faster Payments, and PIX. Fraud is handled through a combination of 3D Secure authentication, address verification (AVS), signed checkout parameters, and an AI-powered risk layer.

Payouts and Withdrawals supports RTP, push-to-card, ACH, SEPA, UK Faster Payments, PIX, Interac e-Transfer, EFT, PayPal, Venmo, and wire. The payout network currently covers over 170 countries.

Subscriptions handles recurring billing across all supported payment methods, with configurable billing cadences and retry logic.

Marketplace Solutions adds split payments, escrow, and multi-party routing for platform businesses that hold funds on behalf of sellers or contractors.

Integration options include a hosted iframe for minimal development lift, React components with branding control, and a direct REST API for teams that want to build fully custom UIs. All routes are designed to keep merchants outside of PCI scope when using the hosted paths.

Verticals Served

Coinflow targets eight market segments where cross-border payment friction is highest: e-commerce, fintech, gaming, marketplaces, payroll, remittances, ticketing, and travel and hospitality. Notable customers named in the company's own materials include Courtyard and Whop.

Security and Compliance

Coinflow holds PCI DSS Level 1 Service Provider certification—the highest tier in the card industry's compliance framework—and is SOC 2 compliant. Chargeback protection is fully indemnified: merchants are not exposed to reversals after Coinflow's fraud layer approves a transaction. The platform also carries Visa 3DS badge validation.

Blockchain Coverage

While Coinflow's Solana program (address FD1amxhTsDpwzoVX41dxp2ygAESURV2zdUACzxM1Dfw9) was the original deployment and remains the primary chain for Solana-native applications, the platform also supports Ethereum. CEO Daniel Lev has noted that most merchant customers are indifferent to which chain settles their treasury—they prioritize speed and cost—so Coinflow abstracts chain selection away from the user-facing checkout flow.

Team and Funding

Coinflow was founded in October 2022 by three co-founders: Daniel Lev (CEO), Benjamin Meeder (CTO), and Jake Montgomery (Head of Operations and Design). The company launched during the FTX collapse, a period when crypto payments were deeply unfashionable, and built toward mainstream stablecoin adoption over the following years.

In October 2025, Coinflow closed a $25 million Series A led by Pantera Capital, with participation from Coinbase Ventures, CMT Digital, Jump Capital, Reciprocal Ventures, Digital Currency Group, and Draper Dragon. The round brought total funding to approximately $28.7 million. At the time of the raise, the company reported 23-fold revenue growth since its 2024 seed round and a team of roughly 25 people. Annual transaction volume had reached multi-billion-dollar scale.

The Series A capital is earmarked for expanding payout coverage in Asia and Latin America, growing the U.S. and European headcount, and improving transaction approval rates across the network.

Fit in the Solana Ecosystem

Coinflow gives Solana-native applications—gaming studios, NFT marketplaces, DeFi protocols with retail users, and on-chain payroll tools—a way to accept card and bank payments from mainstream users without requiring those users to own or manage USDC themselves. The merchant's on-chain treasury receives USDC on Solana immediately after a card swipe, eliminating the settlement lag that makes traditional card processors awkward to combine with on-chain workflows. For the broader Solana ecosystem, Coinflow represents a production-grade fiat onramp and offramp layer operating at payment-industry compliance standards rather than crypto-native tolerances.