Mesh

Mesh is a crypto payments network that lets businesses accept payments in any cryptocurrency from any wallet or exchange through a single API integration, settling automatically in stablecoins or local fiat currency.

Founded in 2020, Mesh was built to address the fragmentation problem in crypto payments: a merchant wanting to accept crypto faced a patchwork of chain-specific solutions, manual conversion steps, and incompatible wallet formats. Mesh collapses that into one connection.

How SmartFunding Works

The core of Mesh's infrastructure is SmartFunding, its proprietary routing layer. When a customer initiates a payment, SmartFunding evaluates available funding sources, including held tokens, available cash balance, and linked payment methods, and can combine up to five of these into a single transaction. The routing engine selects the settlement path by weighing network finality time, gas costs, swap fees, foreign-exchange spread, and current network reliability. The customer experiences a single checkout step; the merchant receives exactly the asset they specified, typically USDC, PayPal USD (PYUSD), Tether (USDT), or Ripple USD (RLUSD), regardless of what the customer paid with.

This design means a user holding SOL, BTC, or ETH can complete a purchase without manually converting assets first. The conversion and routing happen on Mesh's infrastructure, not in the user's wallet.

Network and Coverage

Mesh connects to more than 300 wallets and exchanges, including MetaMask, Coinbase, Binance, and Revolut, giving merchants a single integration point for a network the company says reaches more than 900 million users across more than 100 countries. Supported assets include more than 120 tokens across more than 24 networks: Bitcoin, Ethereum, Solana, Polygon, Base, Stellar, Tron, and Tempo are among the chains in the current integration set. On the settlement side, Mesh supports USDC, PYUSD, USDT, RLUSD, and local fiat currencies.

Products

Mesh offers three primary products. The payments product enables merchants to accept crypto at checkout through a single checkout widget or API call. The deposits product lets financial applications and platforms accept crypto transfers from connected wallets and exchanges. An AI agent payments product targets agentic commerce infrastructure, where autonomous software agents need to initiate or receive payments programmatically.

Named enterprise partners include PayPal, Shift4, Deel, Rain, Paxos, and Ripple.

Team and Funding

Mesh was co-founded by Bam Azizi, who serves as CEO. The company has raised more than $200 million across its funding history.

Its $82 million Series B in March 2025, led by Paradigm with participation from Consensys, QuantumLight Capital, and Yolo Investments, was notable for how it was settled: most of the capital was transferred using PYUSD on Mesh's own rails, a demonstration of the platform operating at institutional scale.

In January 2026, Mesh closed a $75 million Series C led by Dragonfly Capital, with participation from Paradigm, Moderne Ventures, Coinbase Ventures, SBI Investment, and Liberty City Ventures. The round valued the company at $1 billion and brought total capital raised to more than $200 million.

Solana Integration

Solana is one of the networks Mesh routes payments across. SOL is supported as a payment asset through SmartFunding, meaning a user can pay in SOL while the merchant settles in a stablecoin. Mesh also supports USDC and PYUSD on Solana, two of its primary settlement currencies. The Solana network's transaction finality characteristics are among the parameters Mesh's routing engine considers when selecting a settlement path.

At the 2026 Finovate Awards, Mesh was named Best Cryptocurrency Application for Financial Institutions.