Unlimit Crypto

Unlimit Crypto is a regulated fiat-to-crypto and crypto-to-fiat gateway that enables individuals and businesses to move between traditional money and digital assets through a single API. It is the Web3 division of Unlimit, a London-headquartered fintech founded in 2009 that built one of the world's largest in-house payment infrastructures over more than a decade of operating payment processing and banking-as-a-service products.

Background and history

Unlimit — originally known as Unlimint — launched its crypto product in November 2022 under the name GateFi, debuting at Web Summit in Lisbon. The initiative was led by Jack Jia, a crypto-native executive who joined the company to head the division. The strategic logic was straightforward: Unlimint had spent thirteen years accumulating local acquiring licences, alternative payment method integrations, and regulatory approvals across dozens of markets. GateFi was designed to route that existing infrastructure directly into the blockchain economy.

In May 2023 the company rebranded from Unlimint to Unlimit and simultaneously renamed GateFi as Unlimit Crypto. The rebrand unified the payment processing, banking-as-a-service (Unlimit BaaS), and crypto gateway products under one brand identity with the tagline "borderless payments." Kirill Evstratov, Founder and CEO, described the change as reflecting the company's mission to remove financial barriers for businesses operating across borders.

Regulatory standing

Unlimit Crypto Ltd holds a Crypto Asset Services Provider licence (number 018/24) from the Cyprus Securities and Exchange Commission (CySEC), operating under Cyprus company registration ΗΕ437355 and headquartered in Limassol, Cyprus. This regulatory status distinguishes it from many grey-market on-ramp competitors and is material for enterprise clients subject to compliance requirements.

How it works

The product is structured around a single API that connects a merchant's platform to Unlimit's global payment infrastructure. Developers can integrate in either hosted mode — embedding a configurable widget directly in their interface — or via a direct API call flow. The company states that a standard integration can be production-ready within 30 days.

On the on-ramp side, a user selects a cryptocurrency, enters a fiat amount, and completes payment through their preferred local method. Unlimit handles identity verification through a modular KYC process, executes the conversion, and delivers the digital asset to the user's wallet. On the off-ramp side, the process runs in reverse: the user submits cryptocurrency, Unlimit converts it, and the equivalent fiat is paid out via local settlement rails including SEPA, SWIFT, and BACS.

Built-in AML screening runs across all transactions. Chargebacks — a persistent cost centre for card-based crypto purchases — are eliminated by design through Unlimit's direct acquiring relationships rather than relying on third-party processors.

Supported assets and networks

Unlimit Crypto supports over 200 digital assets. Confirmed holdings include Bitcoin (BTC), Ethereum (ETH), Solana (SOL), USDT, USDC, Polygon (MATIC), XRP, Dogecoin (DOGE), Polkadot (DOT), Binance Coin (BNB), Uniswap (UNI), TON, Litecoin (LTC), Immutable X (IMX), and Flow (FLOW), among others. The platform spans 23 blockchain networks.

Solana is listed as a supported asset on both Unlimit Crypto's own product page and on Solana Foundation's official on/off-ramp directory at solana.com/solanaramp, which aggregates regulated providers available to Solana users across 100+ countries.

Payment methods and geographic coverage

The platform aggregates more than 1,000 directly integrated alternative payment methods alongside all major card brands (Visa, Mastercard, and others). Accepted payment types include e-wallets, QR codes, cash transfers, and instant bank transfers. Supported fiat currencies span a broad emerging-market footprint, including BRL, COP, CRC, EUR, GBP, GTQ, HKD, IDR, KES, MXN, MYR, NGN, PEN, PHP, THB, USD, VND, and ZAR, among others.

Coverage extends to approximately 170 countries, with regional depth in Europe, the UK, Latin America (LATAM), the Asia-Pacific region (APAC), India, and Africa. This emerging-market depth is a deliberate positioning choice: many competing on-ramps focus primarily on North America and Western Europe, leaving underbanked populations with limited options. Unlimit's infrastructure in markets like Nigeria, Indonesia, and Vietnam addresses that gap.

In August 2024, Unlimit expanded its partnership with Alchemy Pay to further streamline fiat-to-crypto purchases across 173 countries, with a focus on improving transaction success rates, lowering costs, and broadening settlement options for shared customers in the EU, Southeast Asia, and Latin America. Alchemy Pay's ACH token operates on the Ethereum network and the partnership is network-agnostic in its fiat routing.

Merchant and developer features

For businesses integrating the product, Unlimit Crypto offers five configurable widget themes (Classic, Sky, Space, Desert, Neon) to match a product's visual identity. This matters for consumer-facing Web3 applications where the on-ramp experience is the first impression a new user has of interacting with crypto.

The platform explicitly targets multiple Web3 verticals: decentralised finance applications, social applications, NFT marketplaces, and blockchain gaming (GameFi). Its off-ramp capability is particularly relevant for gaming and DeFi applications where users accumulate on-chain value and need a practical path back to local currency without leaving the application environment.

Solana ecosystem relevance

Solana's transaction throughput and low fees make it a natural target for consumer-grade crypto applications in gaming, payments, and DeFi, but on-ramping from local fiat into SOL or Solana-based tokens remains a friction point for new users — particularly in emerging markets. Unlimit Crypto addresses this directly by supporting SOL among its listed assets and by offering the regional payment method coverage that global card-only solutions lack.

Being listed among Solana Foundation's recommended on-ramp providers signals a baseline of reliability and regulatory standing that the Solana ecosystem relies on to reduce the barrier to entry for non-crypto-native users.

Summary

Unlimit Crypto combines fifteen-plus years of payment infrastructure with a regulated, developer-friendly crypto gateway product. Its core proposition is breadth: more payment methods, more fiat currencies, and more geographic coverage than most native-crypto on-ramp providers, delivered through a single integration. For Solana applications targeting users in LATAM, APAC, Africa, or Eastern Europe, Unlimit Crypto represents a practical path to fiat liquidity without the regional coverage gaps common in the on-ramp market.