List of Financial Services Platform companies in Web3 (2026)

Dakota Platform is a financial services platform that provides a regulated application programming interface for moving, storing, and issuing digital dollars across bank rails and blockchains. Businesses use it to orchestrate payments over SWIFT, ACH, and Fedwire alongside stablecoins, generate programmable wallets, and automate treasury operations with built-in compliance screening. The platform also supports agentic payments, letting autonomous agents move funds under signed spending mandates and infrastructure-enforced policy limits, and offers a self-serve, pay-as-you-go onboarding path with a public sandbox. Card issuance is advertised as an upcoming capability layered on the same wallet infrastructure.

Financial Account is a global USD account product for businesses, accessible through its own sign-in at app.dakota.xyz separately from the Dakota developer platform. It lets companies hold and move USD and stablecoin balances, settle cross-border payouts, and convert between fiat and onchain assets across bank rails and blockchains. The account targets businesses operating across multiple regions that need dependable USD access without local banking relationships.

BlockWyre Banking is a Banking-as-a-Service platform providing FBO accounts and sub-ledger systems that let businesses create virtual bank accounts, manage treasury, and move funds via domestic wires, ACH, and international transfers. The platform offers API-driven banking integration with compliance frameworks and multi-currency support, including virtual sub-accounts issued in client names for beneficiary pay-ins and pay-outs. Businesses use it to segment balances by customer, product, or corridor while maintaining audit-ready reporting.

Integral FX is a cloud-based trading and workflow automation platform for institutional foreign exchange, precious metals, and CFD markets. It aggregates liquidity, applies a configurable pricing engine, and automates risk warehousing, distribution, and settlement, with white-label single-dealer platforms for banks and brokers. Connectivity spans MT4 and MT5 as well as REST, WebSocket, FIX, and ITCH APIs, hosted across low-latency data centers with SOC 2 Type II controls.

Integral Digital is a SaaS platform providing institutional-grade connectivity, execution, and workflow automation for digital asset trading. It aggregates and normalizes crypto liquidity from exchanges and market makers, applies a configurable pricing engine, and automates risk management, distribution, settlement, and reporting for trading desks. Access is provided through REST, WebSocket, and FIX APIs alongside customizable interfaces, hosted across low-latency data centers with independently audited security controls.

Echo Money is a financial infrastructure platform for businesses. It provides multi-currency account issuance, cross-border payment routing across local bank rails, SWIFT, SEPA, and stablecoin corridors, card processing, treasury management, and a double-entry ledger with automated reconciliation, all accessible via a web dashboard and a whitelabel REST API. The platform connects to multiple local payment rails including UPI, PIX, M-Pesa, and SEPA Instant, and supports stablecoin settlement using USDC, USDT, and EURC across multiple networks. Payments are routed automatically to the fastest available rail, with most transactions settling in under one minute.

Airtm Enterprise Platform is a financial services platform that enables businesses to distribute payouts to global workers and contractors. It processes cross-border disbursements through stablecoin settlement on blockchain infrastructure, offering tiered access through a self-serve interface, a managed service, and a direct API for embedding payments into other platforms. Businesses use it to fund payroll, marketplace payouts, and other bulk disbursement flows without building payment infrastructure themselves.

RebelFi is a non-custodial stablecoin operations platform that lets payment service providers, neobanks, exchanges, and fintech platforms generate yield on stablecoin balances held in escrow, settlement, or prefunding windows. The platform routes idle capital into audited decentralized finance lending and yield venues while funds remain in the client's own custody and can be recalled without lock-up periods. Businesses can also extend yield features to their own end customers through embedded balance-based earning tools, or restrict allocations to profit-sharing and trade-finance strategies that follow Islamic finance principles. A built-in compliance layer enforces wallet-level segregation of funds by purpose, applies know-your-transaction screening at each transfer, and generates automated audit trails and provenance records. Access is provided through an operations dashboard and a software development kit that integrates with several external custody providers.

Ledig Cross Border Virtual Accounts is a financial services platform that provisions named local-currency fiat accounts across African corridors for businesses without local banking infrastructure. Accounts are issued through regulated banking and payment partners and integrate directly with Ledig's OTC liquidity desk for stablecoin-fiat conversion, supporting multiple currencies under applicable regulatory frameworks. The product targets payment service providers, exchanges, corporate treasuries, and fintechs expanding into African markets.

Accrue Business is a financial services platform that provides businesses with dedicated USD and EUR accounts, local collections, and cross-border vendor payouts across Africa and the United States. It lets companies issue virtual USD cards for employees and vendors, send invoices, and pay contractors through bank transfer, mobile money, or stablecoins. An application programming interface allows other businesses to embed wallets, cards, and stablecoin deposit and withdrawal rails into their own products. Businesses manage funds through a single balance across fiat and stablecoin rails without needing crypto expertise.

Seamount is a multi-chain financial platform for cross-border payments and digital asset management, settling transactions via USDS stablecoin on Algorand Mainnet. The platform provisions wallets across multiple networks with fiat on/off-ramps via Flutterwave and Paystack for local currency conversion. Users earn yield through Prime and Alpha investment tiers managed by third-party fund managers. Business services include asset tokenization, digital treasury management, on-chain analytics, and regulatory compliance.

ARQ Business is a financial services platform for companies operating across Latin America and abroad. It provides multi-currency business accounts for holding digital dollars and euros, account details for receiving international payments, corporate cards with spending controls, and bulk payment processing for paying vendors and contractors. Businesses access these functions through a dedicated web platform and account separate from the consumer app.

BlindPay API is a stablecoin payments infrastructure platform that lets businesses send and receive cross-border payments through a single interface. It orchestrates stablecoin transfers, local payment rails, and virtual account issuance, converting between fiat currencies and stablecoins in real time. Businesses use it to move funds internationally, open named multi-currency virtual accounts for their customers, and screen transactions through integrated identity verification and monitoring. The platform is accessed through a developer API and dashboard covering payins, payouts, quotes, and wallet registration across multiple blockchain networks and traditional bank rails.

Alfred Pay Platform is a cross-border payments infrastructure product that connects stablecoin rails to local banking systems across Latin America. It provides businesses with virtual local bank accounts, converts between stablecoins and local fiat currencies, and settles cross-border payments in near real time through a single API. Fintechs, crypto platforms, and trade and logistics companies use it to collect and disburse local payments and manage multi-currency operations without establishing local entities. The platform also connects to a partner cash-out network, letting digital wallet holders convert balances into cash at physical agent locations.

Cuenta Empresa is a business account offering that lets companies buy, sell, and hold cryptocurrencies alongside sending and receiving domestic and international payments. Businesses fund and withdraw through corporate bank accounts in their local currency while using digital assets and stablecoins to manage treasury and cross-border transfers. The account starts with basic operating limits and can be upgraded to a fully verified tier with higher transaction limits as a company's needs grow.

Named Virtual Accounts is a multi-currency virtual account product for businesses operating across borders. It provisions bank accounts with local banking details, such as IBANs, ACH routing numbers, and CLABE identifiers, held under the business or customer name for each supported jurisdiction. This lets businesses collect and send payments directly on local rails without opening accounts with local banks. Accounts are created and managed through an API, with real-time settlement tracking and webhook notifications for back-office reconciliation.

Personal USD banking accounts for individuals from over 150 countries, enabling users to manage traditional banking alongside digital assets in a single account with ACH, wire transfers, and cross-border payment capabilities.

Enterprise banking services for small and medium enterprises, providing USD accounts, domestic and international payments, cross-border transfers, and integrated digital asset capabilities for fintech and Web3 companies.

Stablecore is a banking infrastructure platform that enables banks to integrate stablecoin and digital asset products into their existing core systems. The platform provides custody, compliance, blockchain infrastructure, and operational tools to help banks offer digital asset accounts, USD-to-stablecoin conversion, and stablecoin payment products while maintaining security and regulatory compliance standards.

Stablecore Digital Asset Accounts & Exchange is a banking infrastructure feature that lets banks and credit unions offer digital asset accounts, including Bitcoin and stablecoins, within their existing banking experience. It connects to multiple digital asset custodians, exchanges, and liquidity providers to let customers store, buy, and sell digital assets directly from their bank accounts. Built-in compliance tooling supports regulatory adherence for institutions offering these accounts.

Meow MCP is a financial services platform that exposes Meow's banking functions to AI agents and developers through a Model Context Protocol server and command-line interface. Agents can list accounts, review transactions and balances, manage contacts, issue virtual cards, create invoices, and draft ACH, wire, or stablecoin payments for human approval. Businesses connect assistants such as chat-based tools or coding agents to automate financial workflows while payments remain gated behind manual approval, and developers can integrate the underlying API into their own applications.

Apex Business is a business-facing financial management platform that lets companies accept payments, issue virtual cards, and manage transactions. Users create branded invoices, generate payment request links, and manage crypto holdings through a vault covering wallets, addresses, and payment operations from one dashboard. The platform also supports virtual USD card issuance for customers and role-based team permissions for organized account access. It targets retail businesses, startups, and digital creators seeking to receive and manage crypto and fiat payments.

Novacrust Business is a financial services platform providing businesses with APIs for card issuance, payment collections, and payouts across multiple countries and currencies. It lets companies issue virtual USD cards for team or customer spending, accept payments via bank transfer, mobile money, cards, or stablecoins, and send payouts to vendors and staff in multiple currencies. The platform provides multi-currency wallets holding several fiat currencies and stablecoins alongside currency exchange, letting businesses build payment workflows into their own operations through a single dashboard and API.

Kaprex is a financial services platform that combines stablecoin rails with traditional banking infrastructure to facilitate cross-border payments, currency conversion, and merchant settlement. Users receive virtual accounts for USD, EUR, and GBP deposits, hold balances as stablecoins across multiple blockchain networks, and convert between fiat and crypto at market rates. The platform also provides a stablecoin-funded payment card, local payout rails for African markets, stablecoin savings yield, and API access for business integrations.

Infini is a financial services platform that provides businesses with stablecoin and fiat payment acceptance, corporate card issuance, invoicing, payroll, multi-currency accounts, and treasury yield tools through a single dashboard. Merchants accept payments via hosted checkout, payment links, and invoices, while corporate cards let teams fund spending from fiat or stablecoin balances with budget controls. The platform also issues multi-currency virtual accounts for cross-border collection and payouts, and lets businesses allocate idle stablecoin balances to market-neutral yield strategies. Payroll and vendor settlement tools automate bulk stablecoin payouts, and all functions are accessible from one account across multiple supported blockchains.

Myaza Business is a merchant payment gateway and business account that lets African companies collect payments, hold multi-currency balances, and pay suppliers globally. Merchants accept crypto payments in-store and online through generated payment addresses and QR codes, with the platform converting received stablecoins to fiat for settlement or retaining them directly. The service runs on stablecoin rails across multiple blockchain networks, backed by an API providing wallet generation, cross-chain bridging, staking, and address monitoring, and integrates with e-commerce plugins and corporate card issuance for team spend control. Businesses can also send batch payouts and payroll to suppliers and staff across dozens of countries using the same multi-currency and stablecoin infrastructure.

CiNKO Enterprise is a business-facing stablecoin infrastructure platform that lets companies embed digital dollar accounts, card issuance, and payment rails into their own products through a single API. It provides stablecoin wallets, virtual USD accounts with local routing details, card issuance backed by stablecoin balances, and cash network access for deposits and withdrawals across partner locations. Businesses use it to offer their customers dollar-denominated accounts and spending tools without building the underlying custody, compliance, and settlement infrastructure themselves.

Walapay is API-first payment infrastructure that lets businesses issue virtual multi-currency accounts, move funds across fiat currencies and stablecoins, and manage customer compliance from a single integration. It supports fiat-to-fiat, fiat-to-stablecoin, stablecoin-to-fiat, and stablecoin-to-stablecoin transfers, combining traditional banking rails with stablecoin networks for cross-border settlement. Businesses such as fintechs, payment service providers, payroll platforms, and enterprise finance teams use it to collect, hold, and disburse funds globally, with automated KYC and KYB verification built into onboarding.

APS Corporate Payments is a multi-currency digital account and settlement solution for businesses handling cross-border payment flows. It lets corporate clients deposit, convert, and withdraw fiat and digital currencies, with same-day settlement in a chosen currency and built-in over-the-counter conversion between traditional and digital assets. Businesses use it to manage liquidity across multiple regions and currencies without maintaining separate banking relationships in each market.

Depasify Platform is a VASP-registered Web3 financial infrastructure platform providing banks and Web3 startups with API access to virtual IBANs, fiat-crypto exchange, on/off ramps, stablecoin payroll, cross-border and SEPA payments, KYC/AML compliance, and portfolio management. Businesses integrate modular digital asset capabilities through a single API.

PrimeVault is a digital asset custody and treasury infrastructure platform for institutions, fintechs, and developers. It provides multi-chain, self-custodial wallets secured through multi-party computation key management within hardware-based trusted execution environments, combined with a formally verified, programmable policy engine for governance, spend limits, and approval workflows. The platform supports stablecoin treasury operations, smart order routing and trade execution across centralized and decentralized venues, institutional DeFi access, token issuance and lifecycle management, and automated workflows across a large number of blockchains. Clients interact with the platform through a web console or REST APIs, with SDKs available for building embedded wallet and custody experiences into their own applications.

DitoBanx Empresas is a financial services platform that provides businesses with digital accounts in USDC, USDT, and Bitcoin, Mastercard business cards, cross-border payments, mass payment disbursement, institutional treasury management, lending, and investments. It serves SMEs, startups, corporations, and fintechs across Latin America through a web-based platform.

Pave Bank Programmable Banking is a developer platform that lets businesses upload custom code to automate and manage their banking operations directly within the bank. It provides an SDK, a centralized app store, webhooks, and pre-built integrations that connect to accounts, balances, and transfers, enabling automated money management and real-time workflows. Businesses use it to embed programmable logic and financial automation directly into their own operations, extending beyond standard API access.

Fideum Institutional Platform provides regulated infrastructure for banks, brokerages, fintechs, and enterprises to operate digital assets. It combines digital asset trading, liquidity aggregation, MPC-based wallet infrastructure, asset management, and stablecoin orchestration into a single product surface accessed through one API and dashboard. The platform also delivers anti-money-laundering screening, transaction monitoring, and case management alongside KYC, KYB, Travel Rule, and regulatory reporting modules. It supports embedded crypto solutions such as white-label and crypto-as-a-service integrations, plus cross-border payments, stablecoin settlement, and treasury management.

Takenos Business is a corporate account platform for sending and receiving international payments from a single dashboard. It provides a dedicated USD-denominated business account with interest accrual, supports payroll disbursement to employees across multiple countries, and offers a corporate Visa card for operational expenses. The platform serves companies that need to consolidate cross-border transfers, payroll, and card spending under one account, separate from the individual consumer wallet.

Manteca API Platform is a payments infrastructure and orchestration service that lets fintech companies integrate crypto, brokerage, payment, and banking services across Latin America through unified APIs. It aggregates crypto deposits and withdrawals, brokerage account onboarding, QR-based payments, fiat-crypto ramp conversion, bill payments, and virtual account issuance behind a single integration layer. The platform handles regulatory compliance, identity verification, and multi-currency settlement, and is used by businesses seeking to embed financial services without building backend infrastructure. It supports crypto operations across multiple blockchains and connects to regional payment rails and banking systems throughout Latin America.

Trace Finance Payment API is a payments infrastructure platform that lets exchanges, fintechs, and financial institutions move money into and out of Latin America through a single set of API endpoints. It provides multi-currency accounts in BRL, USD, and EUR, converts between fiat and stablecoins through instant local payment rails, and executes cross-border payments over multiple regional and international rails. Businesses use it to onboard beneficiaries, lock foreign-exchange rates, and settle deposits, swaps, and withdrawals without operating a local entity. The platform also functions as an embedded financial services layer, giving partner platforms account and settlement capabilities they can offer to their own customers.

Bankei Banking-as-a-Service is a white-label financial infrastructure platform that lets other businesses launch branded banking and payment products without building their own regulatory or technical infrastructure. Companies connect to a modular API to offer prepaid cards, digital accounts, cryptocurrency purchase and custody, Pix transfers, and bill payments under their own brand, while Bankei manages compliance, risk, and processing. It also offers an IT body-shop model, supplying on-demand technology teams to support partner integrations and expansion. The platform is aimed at businesses with an existing customer base seeking to add financial services and earn revenue from interchange, foreign-exchange, and transaction fees.

Kem App is a financial services platform that lets individuals manage stablecoins, other digital assets, and gold alongside traditional currencies in a single mobile application. Users can send money to contacts or across borders, swap between crypto, gold, and local currencies, and hold assets in a built-in wallet secured with multi-signature protection. The app also connects to linked payment cards for everyday spending and to bank accounts for withdrawals. It is aimed at consumers seeking a unified interface for cross-border transfers, currency conversion, and asset custody.

Abra Prime is an institutional-grade custody and trading platform providing qualified custody, OTC execution, and portfolio management tools for family offices, RIAs, and high-net-worth clients managing digital asset portfolios.

Checker API is a provider-agnostic orchestration platform that gives financial institutions a single integration point to access stablecoin and digital asset liquidity across exchanges, OTC desks, banks, and payment providers. The system routes each order to the optimal execution venue based on price, speed, and reliability, then returns standardized responses covering order confirmation, fill status, and real-time tracking. It supports trading, cross-border payments, treasury management, and credit operations, with settlement extending across multiple blockchains and stablecoins through a unified API.

Shakesco is a self-custody crypto wallet and payments app that lets individuals and businesses buy, send, and receive Bitcoin, Ethereum, and stablecoin-based assets. It is built on an ERC-4337 smart contract wallet, using multi-party computation to secure account recovery and account abstraction to remove seed phrase management and gas handling for users. The app bundles payment links, point-of-sale checkout, a loyalty token marketplace, recurring payments, split payments, and privacy features such as stealth addresses and Bitcoin silent payments into one interface.

Mobilum Banking Solutions is a banking-as-a-service platform providing virtual IBANs, multi-currency accounts, and banking connectivity for businesses to embed financial services into their own products. It supports account issuance for individuals and entities and enables platforms to offer bank-like features such as B2B and consumer payments. The service is aimed at crypto wallets and exchanges seeking to add banking capabilities without becoming a licensed bank themselves.

Fiat Republic provides Banking-as-a-Service platform through developer-friendly RESTful API, enabling crypto platforms to automate fiat deposits, withdrawals, and treasury operations. The system integrates virtual accounts, EagleNet instant settlement network, Oxygen compliance monitoring, KYC/AML checks, and real-time FX conversion via single API integration.

Eluter API is a fintech-as-a-service platform that lets financial institutions and other businesses embed multi-currency accounts, currency conversion, and payment capabilities into their own products. It exposes on-ramp and off-ramp functions, virtual account issuance such as CVU for Argentine pesos and vIBAN for euros, USD accounts, crypto wallet creation, QR payments, and webhooks for automated notifications through a developer API. It also supports identity verification and compliance checks, and offers card issuance in partnership with a card program provider. The platform is aimed at fintechs and platforms seeking to integrate financial infrastructure without building it themselves.

Mandioca White Label is a financial services platform that lets companies launch their own branded cross-border payment service without building the underlying technology themselves. Partners deploy a fully branded solution under their own name and logo, enabling their clients to send and receive international payments using stablecoin settlement combined with traditional bank rails. The infrastructure includes compliance-ready capabilities such as AML and KYC checks, transaction monitoring, sanctions screening, and treasury workflows, letting payment providers, fintechs, and trade-focused businesses scale import and export payment flows.

Esca Platform is a financial services platform that provides multi-currency virtual accounts, currency conversion, and cross-border payment infrastructure for businesses operating in emerging markets. It lets businesses accept deposits in local currency, automatically convert balances into stable currencies and supported cryptocurrencies, and withdraw funds to bank accounts or wallets across multiple countries. The platform also offers named multicurrency accounts, forward contracts for hedging currency risk, and yield-bearing balances, alongside a developer API that exposes account creation, conversions, payouts, and real-time rate and webhook data. Businesses use it to manage treasury, payroll, and settlement operations without establishing local banking entities in each market.

Aptos Ascend provides permissioned blockchain infrastructure and digital asset controls for financial institutions. The system offers regulatory compliance tools, zero-knowledge privacy features, and customizable network configurations for institutional DeFi adoption.

Trever Digital Asset Operating System is a platform for financial institutions to manage digital assets. It provides order and execution management across venues, treasury and settlement for moving funds and managing risk, and bookkeeping and reporting for audit‑ready records. The system connects to exchanges, custodians, liquidity providers, and core banking systems.

Nuvion is a neobank and embedded finance platform providing multi-currency business accounts, card issuing, payment acceptance, global payouts, and stablecoin rails for freelancers, businesses, and marketplaces. It operates through a single account and API surface, letting platforms issue accounts, move funds, accept payments, and convert between fiat and stablecoins without integrating banks or liquidity providers directly. The platform combines licensed fiat infrastructure with blockchain-based settlement across multiple networks, offering regulatory coverage across several markets. Businesses use it to manage cross-border money movement, issue physical and virtual cards, and access new markets from one unified dashboard.

Eversend for Business is a cross-border business account that gives companies local collection, payout, and multi-currency holding capabilities under a dedicated business login. Businesses collect payments from customers across multiple markets on local rails, hold and convert several currencies, pay suppliers and staff locally or abroad, and issue virtual cards for team spending. The account is accessed separately from the consumer app through its own business portal and onboarding flow.

0 Finance Platform provides automated treasury management through high-yield USDC savings accounts, AI-powered invoicing, and programmable banking infrastructure. The system enables ACH, wire, and SEPA transfers while automatically allocating idle funds to vetted yield strategies backed by insurance coverage up to $1M. Users access the platform through web dashboard, CLI tools, MCP server integration, and RESTful API.

Cross River Banking Platform is an API-based financial services platform that enables fintechs, neobanks, and enterprises to embed banking services into their products. The platform runs on the proprietary Cross River Operating System (COS) and provides FDIC-insured deposit accounts, multi-rail payment capabilities including ACH, wire, RTP, FedNow, and push-to-card, and acquiring BIN sponsorship through a unified API integration.

WeWire is a financial services platform that lets businesses embed cross-border payment and banking capabilities into their operations. It provides virtual IBAN accounts, multi-currency wallets, and stablecoin settlement rails, enabling collections and payouts across fiat and stablecoin channels through a unified API and web application. Additional modules cover corporate card issuance, an over-the-counter liquidity desk, smart invoicing, and treasury management. The platform serves businesses handling international trade and payroll, converting between fiat currencies and stablecoins across multiple blockchain networks.