INXY Payments

INXY Payments is a regulated crypto payment infrastructure platform built for B2B use cases. Founded in 2022 and headquartered in Limassol, Cyprus, the company gives businesses a way to accept digital currencies and stablecoins, convert them to fiat, and send mass payouts — without requiring the business or its customers to manage crypto wallets directly. The platform is EU-authorized and Canada-registered, licensed across multiple jurisdictions, and operates in Europe, Asia, and Latin America, excluding sanctioned countries, the UK, and the US.

What INXY Payments Does

The platform covers three core workflows: payment acceptance, mass payouts, and crypto-to-fiat settlement.

For payment acceptance, incoming crypto or stablecoin payments are automatically converted to a stablecoin or fiat equivalent to reduce exposure to price volatility. Businesses settle to bank accounts the next business day, with full transaction records for accounting and compliance purposes.

For mass payouts, the platform allows businesses to pay hundreds or thousands of recipients in a single operation, either via API or by uploading a file. The system handles multi-currency conversion automatically, which makes it practical for businesses paying contractors or affiliates across different countries.

For settlement and exchange, INXY provides crypto-to-fiat conversion in EUR and USD, with transfers via SEPA and SWIFT. An OTC desk is available for larger exchange volumes.

Supported Assets and Networks

INXY Payments supports more than 20 digital assets. Among the listed options are USDT, USDC, DAI, Bitcoin, Litecoin, and ETH, alongside other cryptocurrencies. Supported blockchain networks include Ethereum (ERC20), Tron (TRC20), Binance Smart Chain (BEP20), Polygon, and TON. USDC, which is native to Solana, is available as a settlement and payment currency on the platform, and INXY has written publicly about USDC's role in cross-border stablecoin infrastructure.

API Integration and Technical Architecture

INXY targets businesses that want full control over the payment experience. The platform is built around a server-to-server API, with no widgets or hosted payment page required — merchants design every screen and flow themselves. API documentation is maintained in Postman. The company estimates that businesses can go from signup to live integration in roughly four weeks.

The underlying infrastructure uses a microservices architecture designed for uptime and incremental deployments. Role-based access controls allow businesses to assign targeted payout authority to individual team members.

Compliance and Security

Compliance is central to how INXY positions itself, particularly for businesses that have found crypto payment options limited by regulatory ambiguity. The platform builds in AML transaction monitoring, KYT (Know Your Transaction) screening, KYB verification for onboarding, and Travel Rule compliance. INXY works with Elliptic for blockchain analytics, Sumsub for KYC and AML checks, Crystal for financial crime detection, and uses Ledger for hardware-level security.

The platform targets low-risk business categories including affiliate marketing networks, hosting and cloud providers, freelance platforms, gaming studios, e-commerce, and fintech companies. INXY operates as B2B infrastructure and does not provide direct consumer services.

No public third-party security audit reports are disclosed on the company's website.

Team and Funding

INXY was founded by CEO Ruslan Zholik alongside co-founders Serge Kuznetsov (CBDO) and Vad Colcev (Director of Revenue). The leadership team also includes Dmitry Schulz as Director and Dmitry Serezhin as CFO.

The company has raised $7 million in total seed funding. An initial $3 million round closed in 2025, followed by a $4 million round in April 2026 led by Flashpoint VC, according to reporting by the Cyprus Mail. The company said it plans to use the capital to expand product offerings and obtain additional regulatory licenses.

Metrics

INXY reports processing over $2 billion in annual stablecoin transaction volume and 500% year-on-year growth, with more than 100 businesses using the platform as stablecoin processing infrastructure, according to the Cyprus Mail funding announcement. The company claims a transaction success rate of 99.9%, fees below 1% (compared to the 3% typically charged by card networks), same-day global settlement, and zero chargebacks by design, since crypto payments are final and non-reversible.

The company presented at Money 20/20 Europe in 2026 and reached finalist status in two affiliate industry awards in May 2026.

Market Position

INXY competes in a segment of the crypto payments market that targets compliant, regulated infrastructure for web-native and cross-border businesses — particularly those that rely on international contractor or affiliate payouts where traditional banking is slow, expensive, or unavailable. The platform explicitly excludes US and UK businesses from onboarding.

Trustpilot reviews are limited in number (14 as of mid-2026), with an overall rating of 3.6 out of 5. Positive reviews cite compliance credibility and customer support responsiveness. Critical reviews point to processing delays on certain deposits and communication gaps around manual review requirements. INXY's responses to negative reviews consistently note that the platform is B2B infrastructure, not a direct consumer service.

The company's focus on regulatory standing and compliance tooling reflects the environment created by MiCA and equivalent frameworks: businesses in regulated sectors increasingly need a payment provider that can document AML controls, rather than simply routing transactions.