List of Payments Infrastructure & Orchestration projects on Optimism (2026)

Mt Pelerin Exchange is an on/off-ramp service for buying, selling, and swapping cryptocurrencies using bank transfers or card payments, delivered directly to a user's own wallet. It supports transactions up to certain limits without requiring identity verification and settles in a range of fiat currencies. A built-in cross-chain bridge lets users transfer supported assets between multiple blockchains with guaranteed delivery, and an embeddable version of the same exchange functionality can be integrated into third-party websites and apps through direct links, an embedded frame, or a mobile package. The service also lets users pay everyday invoices and bills, including rent, insurance, taxes, and utilities, directly with cryptocurrency, with automatic conversion and settlement to the recipient. It operates as a non-custodial intermediary that never holds user funds itself.

Kotani Pay API is a white-label REST API that connects blockchain applications to local African payment channels. It provides businesses with tools to integrate stablecoin on-ramp and off-ramp functionality directly into their own products, supporting mobile money networks across multiple African markets. Developers configure onboarding, KYC and KYB checks, and transaction flows to build customized payment experiences on top of the underlying infrastructure.

CoinGate Crypto Payouts enables businesses to programmatically send cryptocurrency payments to employees, vendors, or users. The system supports bulk payouts and automated distribution of digital assets across multiple blockchain networks, executed manually or via API on a one-time or scheduled basis.

Meld White-Label API is a payments infrastructure API that aggregates multiple crypto on/off ramp providers into a single developer interface. Developers build their own transaction UI while Meld routes each transaction to the optimal partner based on price, coverage, and conversion rates. The API supports webhook events, transaction status tracking, and multiple downstream applications from a single integration.

Bridge Orchestration enables cross-chain stablecoin transfers and conversions between fiat and digital assets through a unified API, allowing businesses to integrate stablecoin payments without handling blockchain complexities.

Bridge Cross-Border Payments enables businesses to settle payments across borders in minutes using stablecoin rails, reaching hard-to-reach markets through a single API integration.

Onmeta White-Labeled Infrastructure is a payments infrastructure product that lets businesses launch branded fiat gateways for on-ramp, off-ramp, remittance, and checkout under their own domain. It provides modular application programming interfaces and dashboards that handle payment collection, identity verification, currency conversion, and settlement while clients control the branded user interface. Wallets, launchpads, token projects, and fintechs use it to offer regional fiat services without building their own backend infrastructure.

Due Stablecoin Payments API is a developer integration that connects digital assets and traditional finance for businesses. It enables stablecoin swaps, collection and conversion, global payouts through local payment rails, virtual account management, bulk payouts, and payout links through a single integration. Businesses use the API to move money across multiple blockchains and more than eighty countries with automatic settlement between stablecoins and local currency.

DashX Gateway is a payments infrastructure and orchestration platform that helps businesses and independent contractors move money across borders. It provides virtual bank accounts in multiple currencies and routes payouts to local bank accounts in dozens of countries, alongside conversion between stablecoins and fiat currency handled through licensed partners. The platform connects to domestic transfer networks and international wire systems through a single application programming interface, letting payroll, remittance, and fintech companies route payments without building their own banking relationships. Identity verification and compliance monitoring, performed by regulated partners, screen users and transactions before funds settle. Developers integrate the platform through application programming interfaces and software development kits to embed cross-border payment flows into their own products.

CoinJar Payout is a rewards distribution API that lets businesses offer cryptocurrency payouts to customers for cashback, loyalty programs, or one-off prizes. The service handles crypto sales and custody in-house, giving businesses a customizable API to distribute payouts across a wide range of cryptocurrencies without building their own custody infrastructure. Settlement terms and timing are flexible, and the underlying assets are secured through the provider's institutional-grade custody facilities.

Codex Par is a stablecoin swap API that lets payment operators offer customers one-to-one conversion between USDT and USDC. The service absorbs the market spread between the two stablecoins and returns the full requested amount, billing the operator a separate transparent fee rather than passing a hidden markup to end customers. Payment service providers and fintechs integrate the API to guarantee par pricing on stablecoin conversions embedded in their own products.

Mesh Payment Network is a payments infrastructure and orchestration platform that connects merchants, wallets, and financial platforms through a single API integration. It enables customers to pay, deposit, and receive payouts directly from their existing exchange and wallet accounts, converting between crypto, stablecoins, and fiat currencies across multiple blockchains. The platform also verifies wallet and exchange account ownership for compliance purposes and routes stablecoin-based settlement to reduce cost and latency compared to legacy payment rails. Businesses use it to accept crypto payments, fund user accounts, send global payouts, and offer embedded on- and off-ramp conversion without building separate integrations for each function.

UTORG On-Ramp is a fiat-to-crypto purchase service for consumers and a merchant integration for Web3 apps. It supports card and local payment methods with built-in KYC/AML and fraud protection, while businesses embed a widget or API and rely on UTORG for compliance, verification, and user support. The service also offers embedded on/off-ramp infrastructure that lets partner platforms give their own users access to multiple local payment methods for fiat-to-crypto onboarding.

Daimo Pay is a payments infrastructure product that lets stablecoin applications accept deposits from users across multiple countries and payment methods. It routes incoming funds from bank transfers, card payments, exchanges, and self-custody wallets, converting and bridging them automatically to a destination stablecoin on a chosen blockchain. Neobanks and stablecoin apps use it to onboard users through localized payment rails without building country-specific integrations themselves.

Swapper Deposits is a payments infrastructure SDK enabling DeFi platforms to accept user deposits via payment cards, crypto transfers, and Web3 wallets through an embeddable iframe widget. The system orchestrates the full deposit flow using the Chainlink Runtime Environment, routing funds across multiple blockchains via Chainlink CCIP, with KYC/AML compliance managed by integrated regulated third parties. Platforms embed the widget via a TypeScript SDK or direct iframe without requiring separate payment licenses.

Mesh Platform provides embedded financial infrastructure through APIs connecting to hundreds of exchanges and wallets. The platform includes Mesh Pay for crypto payment processing with SmartFunding technology, Mesh Deposit for embedded crypto deposits with intelligent routing, Mesh Payout for automated disbursements, Mesh Portfolio for real-time account aggregation and data analytics, Mesh Ramp for fiat-to-crypto conversion, and Mesh Verify for wallet ownership verification and compliance tools.

Breeze Payment Platform is a merchant of record payment gateway that lets businesses accept card, digital wallet, and crypto payments through a single API integration. It hosts checkout pages and payout flows, handling payment processing, chargeback and fraud liability, sales tax collection and remittance, and KYC-driven compliance on behalf of merchants. The platform settles merchant balances in stablecoins or fiat and supports recurring subscription billing alongside one-time payins and payouts across multiple blockchains.

Coinflow is a payment infrastructure platform that enables businesses to accept customer payments and send payouts to users worldwide. It processes credit and debit cards, bank transfers, digital wallets, and stablecoin payments, and settles funds to a merchant wallet or bank account through instant or standard rails. The platform also handles fraud protection, chargeback indemnification, and regulatory compliance for merchants. Additional capabilities include recurring subscription billing and multi-party marketplace payments with split settlements and automated seller payouts.

Rampnow Platform is a technology layer that connects apps, wallets, and businesses to fiat-to-crypto and crypto-to-fiat conversion services across multiple blockchains. It lets users buy and sell digital assets through a widget or hosted flow, with licensed partners handling identity verification and payment processing. The platform also routes payouts for payroll, remittances, and mass disbursements with foreign-exchange handling, and provides swap and bridge routing that finds pricing across many networks for token swaps and cross-chain transfers. Funds settle directly to user wallets on a non-custodial basis rather than through platform-held accounts.

Stableyard is a payments infrastructure platform providing unified APIs for merchants to accept stablecoin payments across multiple blockchains. It combines a routing engine that handles cross-chain settlement, an embeddable checkout widget, hosted payment pages, and developer SDKs and plugins so businesses can accept stablecoins through existing checkout, point-of-sale, and in-app flows. The platform supports merchant account management, transaction monitoring, settlement to bank or stablecoin balances, and agent-driven payment flows over HTTP. It is aimed at businesses seeking to add stablecoin acceptance without new hardware or replacing existing payment systems.

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.

Borderless Network is a payments infrastructure platform that connects businesses to a network of regulated stablecoin on- and off-ramp providers for cross-border payments. It provides a single API that routes transactions to local partner financial institutions, enabling stablecoin-to-fiat conversions, collections, payouts, and transfers across multiple countries and currencies. The platform includes tools for provider selection, rate comparison, reliability tracking, compliance orchestration, and settlement across external custody or wallet infrastructure, letting fintechs, payment companies, and financial institutions manage an entire provider network from one operational layer.

Align API is a payments infrastructure platform that lets businesses collect and pay out funds across borders through named multi-currency bank accounts and stablecoin rails. It combines fiat-to-stablecoin and stablecoin-to-fiat conversion, cross-chain stablecoin transfers, and locally issued virtual accounts with IBANs or local account numbers behind a single set of API endpoints. Businesses use it to run global payment corridors, e-commerce settlement, payroll, and trade payments without opening local banking entities in each country. The platform manages currency conversion at prevailing market rates, connects to local clearing rails, and screens transactions for regulatory compliance.

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.

HoneyCoin is a payment orchestration platform aggregating multiple payment providers, processors, and blockchain rails into unified API infrastructure for cross-border business payments. Users hold funds in multi-currency wallets supporting fiat and stablecoins, collect payments via bank transfers and mobile money, execute payouts across various markets, convert currencies through an OTC desk, issue virtual cards for expenses, and process bulk payouts for payroll operations.

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.

Madhouse Wallet is an on/off ramp that converts stablecoins into local fiat currencies across multiple currencies and payment rails, including mobile money, real-time bank transfer schemes, and traditional bank transfers. Partners integrate through a REST API or an embeddable widget, depositing stablecoins from multiple blockchains into a single address and receiving fiat payouts to a bank account or mobile wallet. The platform locks live foreign-exchange quotes for a short window before settlement and provides a business dashboard for recipient management, transfer history, and compliance onboarding. It also offers a virtual USD account that accepts bank transfers and settles balances in a stablecoin, and supports agent-initiated payments where a client pays per API call using a stablecoin instead of a traditional API key.

InFlow Pay provides payments infrastructure through unified API endpoints, enabling shareable payment links, checkout integration, business IBAN accounts, and merchant dashboard management. The platform supports open banking, PayPal, and credit card processing with automated yield generation on payment flows.

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.

HIFI API is a payments infrastructure and orchestration platform that lets developers build cross-border stablecoin and fiat payment flows through a single integration. It provisions custodial multi-chain wallets, processes virtual account deposits and fiat onramps and offramps, and executes transfers, bridging, and swaps across supported blockchain networks. The platform also handles KYC and KYB verification, settlement rules, batch transfers, and transfer approvals, giving businesses a unified way to move value between fiat and stablecoins. It is used by developers and businesses building payment products without operating their own banking or blockchain infrastructure.

Halliday Payments is an end-to-end payments suite for L1s, L2s, and apps to fund users on any chain. Provides fiat on/off-ramps, cross-chain swaps, bridging, and exchange-to-network funding via SDKs, a modal, or embedded UI. It's non-custodial and wallet-agnostic with one integration for payments across chains.