List of Financial Services Platform companies in Web3 (2026)

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 provides Fintech-as-a-Service infrastructure, allowing financial institutions and platforms to embed Eluter's multi-currency accounts, FX conversion, and payment capabilities into their own products via APIs.

Mandioca offers a white-label cross-border payments platform for companies that want to launch digital asset–powered payment services without building the technology in-house. Partners can deploy a fully branded solution under their own name and logo, enabling their clients to send and receive international payments using stablecoin settlement and traditional bank rails. The infrastructure includes compliance-ready capabilities such as AML/KYC, transaction monitoring, sanctions screening, and secure treasury workflows, allowing payment providers, fintechs, and trade-focused businesses to scale global import/export transactions quickly, efficiently, and in line with regulatory requirements.

Valut is a white-label platform enabling companies to launch crypto-friendly banking operations under their own brand, including payment cards, bank accounts, crypto wallets, and token services with regulatory compliance infrastructure.

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.

Kem App is a financial services platform that enables users to manage digital currencies, gold, and USD through a single mobile application. Users can send money globally, exchange between currencies instantly, and access virtual payment cards for spending crypto and other assets anywhere.

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.

Airtm Enterprise Platform enables businesses to distribute USDC payouts to global workers through Stellar blockchain infrastructure. The system processes cross-border payments via Bridge API integration and supports both direct and third-party payout flows.

Oval Finance is a financial services platform providing payout services and virtual accounts via APIs to enable cross-border payments and bank transfer acceptance for businesses.

A cryptocurrency-enabled digital banking account integrating stablecoin management with traditional payment infrastructure through a prepaid Mastercard, enabling instant Pix transfers, bill payments, and point-of-sale transactions using digital assets with commercial exchange rates.

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.

Esca Platform provides multi-currency virtual accounts and automated currency management for businesses in emerging markets. The system enables deposit acceptance in local currency, automated conversion to stable currencies including USD, GBP, EUR, and supported cryptocurrencies USDT and BTC, with withdrawal capabilities to bank accounts or wallets. The platform facilitates cross-border payments and autonomous currency hedging through conversion automation.

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 cross-border payment platform built on Banking-as-a-Service architecture, delivering virtual IBAN accounts, multi-currency wallets, and stablecoin settlement rails. The system processes international collections and payouts across multiple currencies, supporting fiat-to-stablecoin conversion via USDC and USDT through Ethereum, Tron, and Base networks. Additional modules include virtual card issuance, OTC liquidity desk services, smart invoicing workflows, and treasury management, all accessible through a unified API and web application.

Niobi is the complete payments and banking infrastructure for businesses operating across Africa. We provide a unified financial platform for local and cross-border payments, local currency virtual accounts, real-time FX and treasury management. All on 1 platform and 1 API. Built for ambitious businesses scaling across 16+ African markets.

Colurs is a global payments and treasury platform enabling real-time cross-border money movement through combined fiat and cryptocurrency infrastructure. The system processes international wire transfers, real-time payments via RTP, multi-currency foreign exchange conversion, and integrated cryptocurrency wallet services for Bitcoin and Tether storage and transfers.

Bloque is a payments infrastructure platform that provides programmable accounts, Visa card issuance, and cross-border payment rails through a TypeScript SDK, CLI, and macOS app. Users can create multi-currency accounts with local payment integrations across COP, BRL, and USD, issue Visa virtual cards with per-card spending policies, and move funds between stablecoins and local fiat. Bloque manages KYC, AML, and compliance while product teams compose the financial stack.

Pave Bank Programmable Banking is a developer platform enabling businesses to upload custom code to automate and manage financial operations directly within the bank, offering an SDK, centralised app store, webhooks, pre-built integrations, and automated money management.

Minos B2B Crypto Platform is a white-label platform enabling financial institutions to offer digital asset custody, brokerage, and payment services to their clients. The system integrates cold storage security infrastructure, real-time trading capabilities, and crypto payment processing for merchants through a unified API. Designed for B2B deployment, the platform supports multiple networks while maintaining regulatory compliance under Banco de España registration and EU MiCA standards.

Graph Connect is Graph Finance's developer API that enables businesses to integrate card issuance, account creation, and payment processing. The API provides access to multi-currency accounts, virtual card management, payouts, deposits, and conversion services.

UTGL Trust Platform is a Hong Kong private trust platform that consolidates client assets—including fiat currencies, securities, precious metals, and digital assets—within a fiduciary structure under the Trustee Ordinance (Cap. 29). Users hold multi-currency accounts in Hong Kong, Singapore, and the United States, access global stock, bond, and fund markets, pay cross-border invoices, convert assets, and spend via a Mastercard credit card collateralized by trust-held assets. UTGL acts as licensed trustee holding legal title on behalf of settlors. Trust structures under Hong Kong law carry no capital gains, inheritance, or gift tax and do not require public registration.

Caliza Dashboard is a platform for managing cross-border payments and treasury operations. Supports payouts via stablecoins, SWIFT, and local methods, provides business USD accounts, and offers 24/7 FX and liquidity management.

Elyps provides financial services infrastructure through multi-currency accounts, international payment processing, stablecoin integration, and Visa card issuance. The system enables cross-border transfers, FX execution, digital asset management, and programmatic API access while maintaining regulatory compliance across multiple jurisdictions.

Loula is a financial services platform that enables businesses to send, receive, convert, and pay globally using multiple currencies including USD, USDC, and ARS. The platform facilitates cross-border payments for importers, exporters, service providers, and logistics companies with features including fast transfers, currency conversion, supply-chain financing, and USD account services.

Munify Infrastructure is a B2B API suite enabling developers and platforms to embed global payouts, pay-ins, and USDC card issuance, with real-time money movement across MENA, transparent FX rates, and RESTful APIs backed by direct bank relationships.

Artoh Treasury Platform delivers instant USD and EUR liquidity to businesses operating in FX-restricted emerging markets through stablecoin-powered settlement infrastructure. The system converts local currency deposits into stablecoins through partner financial institutions, enabling cross-border payments that settle in hours rather than weeks. Users access multi-currency treasury accounts supporting SWIFT and SEPA transfers while maintaining real-time visibility of cash positions. The platform processes payments from Africa to global destinations including Europe, North America, Middle East, and Asia through blockchain rails, bypassing traditional correspondent banking delays and USD allocation backlogs.

Felix Business is a B2B API enabling US-based financial institutions and fintech platforms to embed cross-border remittance capabilities into their products. Partners integrate a send button for US-based outbound transfers or a request button allowing Latin American users to initiate inbound remittance requests. Felix handles messaging, compliance, KYC, and delivery across the full payment flow.

RD Enterprise Solution is a B2B payment infrastructure layer enabling businesses and fintechs to provision dedicated multi-currency RD Wallet virtual accounts for their own underlying customers, with instant wallet-to-wallet settlement, FX, and collect/disburse capabilities, built on RD's SVF-licensed platform.

Wyden Infinity provides end-to-end digital asset trading infrastructure for banks and brokers through cloud-native architecture. The system supports agency and principal trading models, automated treasury management, central limit order book matching, and digital asset accounting. Built for sell-side institutions to scale compliant digital asset banking and brokerage operations with seamless core banking system integration.

OpenPayd Platform is a banking-as-a-service platform providing multi-currency accounts, virtual IBANs, domestic and international payment rails, foreign exchange conversion, stablecoin on-off ramps, and Open Banking services through a unified REST API for businesses to embed financial infrastructure.

Lead Bank Partner Platform is a composable Banking-as-a-Service infrastructure enabling fintechs to embed FDIC-insured banking capabilities via API, covering lending (term loans, lines of credit, BNPL), card issuing, global money movement (ACH, wires, instant, stablecoin), and depository account structures.

MONFI Digital Banking is a digital banking platform licensed by the Labuan Financial Services Authority. It offers multi-currency accounts, international money transfers, Visa-powered payment cards, and a digital asset trading service with asset-backed multi-token support. Users access the platform through a mobile application or web portal, with two-factor authentication and no monthly account fees.

Zuba Platform provide multi-currency accounts for businesses to hold USD, EUR, and GBP alongside local African currencies. Provides dedicated account details for receiving international payments, real-time currency conversion with rate locking, global payout capabilities, role-based team access, and transaction history with CSV export.

Centric is BNP Paribas CIB's digital banking platform for corporate clients. It provides cash management, liquidity management, trade finance, and global markets services through a single interface. The platform includes NOA, an AI-powered virtual assistant that helps users locate payment information, navigate platform functions, and route queries to the appropriate support team.