List of Financial Services Platform companies in Web3 (2026)

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.

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.

Nilfee is a financial services platform that provides virtual USD, EUR, and GBP accounts, virtual debit cards, and USDC/EURC wallets for individuals, freelancers, and businesses. Users receive payments via ACH and Fedwire and send funds through U.S. payout rails, PayPal, Venmo, or push-to-card, while a Circle-powered wallet enables real-time conversion between fiat and stablecoins across multiple blockchains. The platform also supports merchant payments through scan-and-pay and mobile point-of-sale checkout, and offers on-ramp and off-ramp conversion between USDC/EURC and fiat. Business users can open multiple labeled accounts, automate treasury settlement in fiat or USDC, and connect via an API to their finance systems.

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.

Niobi is a financial services platform that provides payments and banking infrastructure for businesses operating across Africa. It unifies collections, payouts, multi-currency virtual accounts, foreign exchange conversion, and treasury management behind a single dashboard and API, with settlement available in local currencies, major fiat currencies, or stablecoins. The platform also includes finance operations tools such as invoicing, bill payment, payroll, and expense management, letting finance teams manage cash flow and reconciliation from one account. Businesses integrate once to accept dozens of local payment methods and move funds between African markets without opening accounts with multiple banks.

Talos Trading Platform is an institutional digital asset trading and portfolio management platform used by asset managers, hedge funds, banks, brokers and OTC desks. It provides trade execution, smart order routing and request-for-quote workflows connecting to exchanges, OTC desks, prime brokers and lenders, alongside portfolio construction, real-time risk monitoring and treasury and settlement operations. A white-label mode built on the same infrastructure lets brokers and financial institutions launch a branded digital asset trading service without building their own systems. The platform also delivers aggregated market data, on-chain analytics and post-trade transaction cost analysis, all accessed through a single unified interface and account via FIX, REST, and WebSocket APIs.

Bloque is a financial services platform that lets businesses embed multicurrency accounts, cross-border payment rails, and branded debit card issuance into their own products. It provides programmable accounts for holding and moving funds across local payment rails and stablecoin rails, converting between currencies, and issuing virtual cards with spending controls. Product and engineering teams integrate the platform through a software development kit, command-line tooling, and an agent-accessible interface that lets AI agents initiate transfers and card actions under defined permissions. Bloque also manages the underlying compliance processes, including identity verification and anti-money-laundering checks, across the currencies and payment networks it supports.

Conomy Platform is a payments infrastructure platform that lets businesses collect and pay out across Latin America through one API and dashboard. It accepts pay-ins through local real-time methods such as instant bank transfers, QR payments, mobile wallets, and cards, and disburses to local accounts or cross-border through SWIFT. Incoming payments can be split across multiple parties and settled in local currency, US dollars, or stablecoins. Multi-currency Smart Accounts let recipients choose their settlement currency, an integrated on and off ramp converts local currency to stablecoins, and an OTC desk prices larger cross-border conversions, with a sandbox and webhooks supporting integration and testing.

Rapyd is a financial services platform that lets businesses embed payments, payouts, card issuance, and multi-currency accounts into their own applications through a unified API and account. It processes online and in-store checkout payments across local payment methods and currencies, and issues virtual and physical cards with configurable spending controls. The platform also handles cross-border payouts through bank transfers, card disbursements, and digital wallet transfers, including settlement in stablecoins. A multi-currency business account underlies all these functions, letting businesses hold, convert, and move balances across currencies from a single dashboard. Businesses across industries use it to accept customer payments, pay employees or partners internationally, and issue cards, all managed through one merchant account and integration.

HEVN is a business financial platform that provides global business accounts, payments, and stablecoin settlement for companies operating across borders. It combines named fiat account details in multiple currencies with a non-custodial stablecoin balance, letting businesses hold, receive, and send funds across bank rails such as ACH, SEPA, SWIFT, and UAE FTS alongside stablecoin networks. The platform also supports payroll and contractor payments, invoicing, and role-based approval workflows for finance teams. Businesses can accept stablecoin payments from customers and convert between fiat and stablecoins through the same account.

BlockIQ is an embedded finance marketplace that lets credit providers create, match, and distribute financial offers to consumers. A matching engine connects users with relevant offers using privacy-preserving algorithms that avoid exposing personal data to unselected providers, and transactions settle through multiple fiat and stablecoin rails with automated revenue attribution across the provider network. Providers access the marketplace through tiered APIs with sandbox and production environments, paying only on successful transaction outcomes.

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.

ShieldPay is a business payment platform that lets international wholesalers and trade businesses accept stablecoin payments, hold multi-currency balances, and access credit. It converts incoming stablecoin transfers into same-day USD wires or ACH settlements through a named virtual business account with its own US routing and account numbers. Businesses can also send outbound wire, ACH, or stablecoin payments to suppliers, and apply for business credit cards with limits based on company revenue rather than personal credit history. All account activity, including cards and payments, runs through one Shield account protected by KYC and KYB checks, sanctions screening, and wallet risk screening.

Sigma is a global payroll platform that lets United States businesses hire, pay, and manage contractors and employees in multiple countries. It handles onboarding through chat-based verification, compensation via traditional bank transfers or stablecoin payouts, and compliance tasks such as tax form processing and misclassification protection. The platform also provides a dollar-denominated wallet for workers to hold or withdraw funds, along with localized benefits and invoicing and reporting tools for employers.

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 private trust platform that consolidates client assets, including fiat currencies, securities, precious metals, and digital assets, within a fiduciary structure. Users hold multi-currency accounts across Hong Kong, Singapore, and the United States, access global stock, bond, and fund markets, pay cross-border invoices, and convert assets between currencies and asset classes. The platform also issues an asset-linked credit card collateralized by trust-held assets, allowing users to spend directly against their holdings. UTGL acts as licensed trustee holding legal title on behalf of settlors, administering the trust structure on their behalf.

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.

Caliza API is to integrate cross-border payments, provision USD accounts, manage instant global payouts, and access stablecoin infrastructure with built-in compliance.

Project NENYA is a reserve management and execution platform in development for regulated stablecoin issuers and their partner banks. It is designed to connect issuers and depository institutions on a shared platform for distributing and optimizing reserves across cash deposits and tokenized high-quality liquid assets, with real-time visibility and reporting for counterparties. The platform aims to reduce reserve fragmentation and counterparty risk as stablecoin issuance scales. Project NENYA has been announced with a published whitepaper and is expected to launch in early 2027.

Bando is a corporate treasury management platform for businesses in Mexico that provides access to CETES government bonds, USD-denominated accounts, MXN-to-USD currency conversion, and cross-border supplier payments via CNAPS and Alipay to China. Underlying financial services, including tokenized bond issuance and MXN-to-dollar conversion, are operated by regulated financial entities under Mexican regulatory oversight.

Elyps Banking is a financial services platform providing multi-currency corporate accounts, international payments, and cross-border foreign exchange execution for businesses operating across multiple regions. It issues European IBAN-based accounts, processes high-value cross-border transfers, and supports fiat-to-stablecoin settlement for international trade where compliant. The platform serves multi-entity corporate structures, holding companies, and high-net-worth individuals through both a web platform and mobile applications. It also exposes application programming interfaces that let businesses embed multi-currency payments, onboarding, and stablecoin settlement into their own systems.

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.

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.

The Network Bank is a full-reserve bank operating in a special economic zone that provides multi-currency accounts, lending, card issuance, and foreign exchange services for businesses and individuals. It also offers a merchant payment gateway for accepting payments and open APIs that let other companies embed banking, card issuance, and payment features into their own platforms. The bank supports self-custody digital wallet linking, enabling account holders to interact with their own digital assets alongside traditional balances. Its services are delivered through a unified digital platform covering account management, payments, and card operations.

OatFi Platform is a financial services platform providing API-based credit and capital markets infrastructure for B2B payment platforms. It enables partners to embed accounts payable financing, accounts receivable financing, and commercial charge card programs into their existing workflows. The platform handles underwriting, funding, settlement, reconciliation, and loan management through a single set of APIs, allowing partners to offer buyers flexible payment terms and suppliers early or guaranteed payouts.

AeraTech is a treasury intelligence and execution platform for multinational enterprise treasury teams. It ingests balances, intercompany positions, and treasury policy rules from ERP, TMS, and banking systems, then nets intercompany obligations, models FX exposure, and automates internal settlements before payments are executed. Confirmed transactions are recorded as tamper-evident, audit-ready ledger entries, so treasury teams retain real-time visibility into group liquidity and only wire the residual balance externally.

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.

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.