List of Payments Infrastructure & Orchestration companies in Web3 (2026)

Utila Payments facilitates crypto payment processing for institutions, enabling organizations to accept, orchestrate, and settle cryptocurrency transactions through secure MPC wallet infrastructure.

Onboard Business is a cross-border payments platform that lets companies move money internationally through multi-currency accounts, real-time payouts, and foreign exchange conversion. Businesses hold, receive, and convert balances across currencies, pay suppliers with faster settlement than traditional bank transfers, and access an API to embed foreign exchange and payout functionality into their own products or workflows. The service is aimed at businesses handling recurring cross-border volume, such as agencies, importers, and e-commerce companies, and is supported by a dedicated account team.

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.

One Click Cloud is a managed infrastructure service that runs Lightning Network and RGB nodes on behalf of payment operators without requiring them to operate their own node stack. It offers versioned deployments, node-level access control, health monitoring, and lifecycle management while keeping private keys stored in the operator's own environment. Exchanges, liquidity providers, neobanks, and wallets use it to settle stablecoin payments and earn yield on Bitcoin and stablecoin balances without managing the underlying infrastructure.

Fasset Engine API is a B2B financial infrastructure platform providing modular APIs for banking, crypto trading, and real-world asset tokenization. Businesses use the suite to issue multi-currency accounts, enable cross-border payments, and offer tokenized asset experiences under a regulated framework. The platform targets fintechs, brokerages, and financial institutions building their own digital finance products.

BVNK Payments is a payments infrastructure and orchestration platform that lets businesses accept, send, and manage stablecoin and fiat payments through a single integration. It supports global payment acceptance with automatic conversion between stablecoins and fiat currencies, unified account balances, and payout capabilities to individuals and businesses worldwide. The platform also offers card issuance linked to stablecoin balances and reward mechanisms on idle balances, consolidating multiple payment capabilities into one account and interface used by fintechs, brokerages, marketplaces, and other businesses.

Layer1 is a self-custody stablecoin payments platform that lets businesses launch crypto and stablecoin payment products without building their own infrastructure. It provides modular capabilities for sending, receiving, storing, and converting stablecoins and fiat, along with treasury management, omnibus wallets, and automated consolidation across supported blockchains, hosted within the client's own cloud environment. The platform is aimed at businesses seeking control over their assets through self-custody while relying on a packaged operating system for stablecoin payment operations.

AEON Payment Protocol is a payments infrastructure and settlement layer that lets merchants, applications, and AI agents accept and route crypto and fiat payments through a single integration. It aggregates fiat acquiring networks and blockchain rails into a unified settlement system, converting between crypto and local payment methods without requiring merchants to change their existing point-of-sale setup. The protocol underlies the consumer, merchant, and AI-agent facing products built on top of it, providing the core routing and settlement logic across multiple blockchains and stablecoins.

AEON AI Payment is a payment infrastructure product that lets autonomous AI agents verify user intent and execute real-world transactions without human intervention. It supports emerging AI-native payment standards to enable agent identity verification, on-chain receipts, and reputation tracking, allowing agents to search, compare, and complete purchases across physical and digital merchants. The product is aimed at developers and businesses building agentic commerce applications rather than direct consumers.

Vortex API and Widget is a business-facing integration layer that lets companies embed fiat-crypto on-ramp and off-ramp functionality directly inside their own applications. It provides a hosted checkout widget along with a programmatic exchange API and software development kit, handling quoting, KYC and KYB, compliance, and settlement so partner businesses can add ramp functionality without building their own infrastructure. The system connects to regulated local partners and stablecoin liquidity routes to convert between fiat currencies and cryptocurrencies, and supports both manual widget embedding and automated, backend-driven settlement triggered from custody wallets, multisigs, or smart contracts.

Vortex Payments is stablecoin payment infrastructure that helps businesses convert international customer payments into local settlement. It routes incoming foreign invoices through fiat and stablecoin corridors, converting receivables into stablecoins before settling them as local bank payouts, stablecoin treasury balances, or vendor payments. Service exporters, product exporters and importers, and platforms or marketplaces use the product to manage cross-border receivables with route-based quotes, compliance checks, and payout options, connecting through Vortex and its regulated local partners.

Raise API Solutions is a B2B platform that provides businesses with API access to distribute digital gift cards across multiple brands. The service enables companies to integrate gift card rewards and incentives into their existing loyalty programs, employee recognition systems, and customer engagement platforms. It includes sandbox testing environments, risk management tools, dashboard reporting, and support for various use cases including referral programs and research incentives.

Ivy Payouts is a payments infrastructure product that enables businesses to send instant payouts, refunds, and settlements across fiat and stablecoin rails through a unified API. The platform supports disbursements to bank accounts and whitelisted crypto wallet addresses with configurable settlement options.

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.

Uquid Business is a corporate spending platform that lets companies manage treasury, employee spending, travel bookings, procurement, and vendor payments through stablecoin rails. It provides a unified interface consolidating multiple spend categories rather than requiring separate systems for each function. The platform targets global businesses seeking faster settlement, lower international payment fees, and transaction transparency, and is currently accessible through an early access program.

Radom is a merchant payment gateway that enables businesses to accept cryptocurrency and stablecoin payments through hosted checkout pages, payment links, and invoicing tools. The platform lets merchants manage recurring subscription billing, generate dedicated deposit addresses for customer attribution, and connect bank-led collection through virtual accounts and open banking. It also provides crypto-to-fiat conversion, stablecoin settlement, and bulk payout tools for disbursing funds across multiple blockchains and currencies. Businesses and payment service providers use the platform's dashboard and APIs to embed these payment, collection, and treasury functions into their own products.

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.

BoundlessPay Business is a programmable financial platform for companies and AI agents to execute invoicing, collections, payouts, and treasury operations across borders. It interprets payment intents from natural language or API calls, then prepares and routes execution across stablecoin, local bank, mobile money, or card rails with approval and compliance gating. Businesses use it to run multi-country payroll, hold and swap stablecoins and local currencies, and accept payments, while developers integrate the same functionality through embedded payment APIs.

AX ONE is a payments infrastructure platform offering multi-currency accounts and cross-border stablecoin and fiat settlement for institutions. It supports major currencies with continuous inflow and outflow, routing transfers over stablecoin and local payment rails with on/off ramp capabilities under compliance screening. The platform anchors a multi-chain institutional stablecoin network connecting banks, payment service providers, virtual asset exchanges, and liquidity providers for real-time global settlement.

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.

FiveWest ZAR Payouts is an automated payout infrastructure service enabling enterprises to distribute ZAR to South African recipients with same-day settlement across supported African and Southeast Asian corridors. Businesses fund accounts in ZAR, stablecoin, or supported fiat via dashboard or API, and FiveWest handles local currency conversion, corridor routing, and instant settlement at major South African banks within its licensed framework.

FiveWest Platform is a financial services platform that combines regulated banking-style infrastructure with digital asset services for institutional and private clients in South Africa. It provides digital asset custody with segregated client holdings, an integrated buy-and-sell interface for converting between local currency and multiple cryptocurrencies, and payment collection and merchant payment gateway tools that let businesses accept crypto and local currency payments and settle to bank accounts. Clients access these services through a single account and dashboard, with currency conversion, corridor routing, and compliance checks handled end to end.

Rain Cards is a payments infrastructure platform that provides businesses with a unified API for stablecoin-native financial services. It enables wallet provisioning, fiat on-ramps and off-ramps, virtual accounts, payments, and card issuance through a single integration and shared account verification. Businesses use it to build card programs and payment products without managing separate banking or blockchain integrations for each function. Reward mechanics for cardholders are built natively into the issuing capability rather than offered as a separate service.

Reap Embedded Finance is an API platform that lets other businesses integrate card issuing and stablecoin-to-fiat payment processing into their own products. It provides a card issuing program allowing partners to design and launch their own Visa cards under Reap's issuing licenses, alongside a payment API that automates bulk stablecoin-to-fiat payouts. Developers access these capabilities through APIs, sandboxes, and documentation rather than a consumer-facing interface.

Agentic Payments is a payments infrastructure product that enables AI agents to transact on behalf of individuals and businesses using tokenized payment credentials. It is built on the Visa Intelligent Commerce standard, combining programmable spend controls, passkey-based authentication, and stablecoin-native settlement so agents can complete purchases without manual fiat conversion. The product targets agentic commerce use cases across multiple markets, with some capabilities live and others still being rolled out.

USDCKit implements programmatic USDC payment automation through a developer SDK for Circle Wallets. The toolkit processes high-volume transactions, configures fund movements, and executes cross-chain transfers. The system manages gas sponsorship and compliance requirements while supporting integration across multiple blockchains.

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.

Oobit Plug & Pay SDK is a white-labeled developer toolkit that lets crypto wallets and exchanges embed real-world spending capability into their own applications. It connects self-custody wallets or exchange balances to merchant payment rails, handling identity verification, card issuance and activation, and fiat settlement on the wallet's behalf. Cards issued through the toolkit appear with the wallet's own branding and can be added to major mobile payment wallets for use at Visa-accepting merchants worldwide.

FinchPay Business is a white-label on/off ramp solution that lets crypto wallets, exchanges, media platforms, and banks embed fiat-to-crypto and crypto-to-fiat conversion into their own products. It provides an adaptive, customizable widget combining currency conversion, payment processing, and identity verification, alongside a partner API for deeper integration. Partners access an administration dashboard to monitor transactions, track statistics, and withdraw revenue, with support for card payments and several regional payment methods.

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.

Busha Business is a B2B financial services platform that gives African businesses fiat-to-crypto on and off-ramp access, multi-currency treasury accounts, and corporate card issuance. It enables companies to convert between local currency and digital assets, hold and manage balances across currencies, and issue cards for business spending. The platform also provides asset-backed credit through partner arrangements and a developer API for programmatic access to accounts, payments, and transfers. It is accessed through its own signup flow and dashboard, separate from the consumer Busha app.

1KPrime Flow is a payments infrastructure platform that automates cross-border settlement for fiat currencies and stablecoins. It executes multi-leg currency conversions and routes funds through local banking rails or digital wallets, settling transactions within about one to two hours instead of the days typical of traditional transfers. Automated compliance screening and a unified treasury dashboard support payment service providers, marketplaces, asset managers, and corporate treasuries.

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.

CFX Payment Infrastructure is a payments infrastructure and orchestration platform that aggregates multiple U.S. and international money movement rails, including retail cash deposits, ACH, wire, and cross-border transfers, behind unified APIs. It lets developers and businesses convert between fiat currency and digital dollars, issue and manage stablecoin balances, and settle transactions across supported blockchains. The platform includes hosted wallet infrastructure that lets partners embed self-custodial balances and cash acceptance into their own apps, alongside built-in identity verification for onboarding. Businesses can also route idle balances into a treasury feature that converts supported stablecoins into yield-bearing balances. Additional tools cover a customer dashboard, transaction webhooks, and a rewards engine for driving user activity.

CoinPay White Label Solution is a business-facing payments infrastructure offering that lets partner companies operate a customizable, branded version of CoinPay's payment and transfer services. It provides a personalized platform for business partners with configurable payment and transfer functionality. The service targets businesses seeking to embed these capabilities under their own brand rather than end consumers.

Stellar Disbursements Platform is a bulk payout system that lets organizations initiate and settle large batches of payments to recipients in real time. Payments settle continuously through a stablecoin-based rail, giving senders certainty of delivery along with analytics on disbursement activity. Organizations can pair the platform with their own branded non-custodial wallet or a partner wallet to deliver funds directly to recipients, making it suited for NGOs and businesses running large-scale disbursement programs.

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.

Lightspark Connect provides Lightning Network infrastructure through managed nodes and APIs, enabling businesses to send and receive Bitcoin payments without managing Lightning complexity. The system handles liquidity, routing, and channel management while offering enterprise-grade security and compliance features.

Fuze OS is a digital asset infrastructure platform that lets banks, fintechs, and other businesses embed crypto trading, custody, payments, and stablecoin services into their own products. It provides unified APIs for wallet creation, fiat and crypto account management, trading execution, and compliance monitoring. The platform handles order execution, custody orchestration, and reconciliation while giving operators a dashboard to track transactions and compliance events. It supports fiat-to-crypto conversion, cross-border settlement, and AI-assisted compliance automation. Businesses use it to launch branded trading, payment, and wallet experiences without building regulatory or custody infrastructure themselves.

Partna API is a payments infrastructure and orchestration platform that connects African currencies to global stablecoin markets. It lets businesses collect payments in local currency, convert between fiat and stablecoins, and settle in USD or stablecoins through a single programmatic interface, including pre-built onramp and offramp widgets for embedding conversion flows. Developers integrate the API to build onramp, offramp, collection, and payout features within their own products, with compliance and KYC handling managed by the platform. It supports conversions across multiple stablecoins and settlement currencies for businesses operating between African markets and global counterparties.

meCash Business is a payments infrastructure platform that enables businesses to process cross-border payments through a web dashboard and set of APIs. It provides fiat transfer capabilities alongside crypto-to-fiat conversion, virtual accounts, payment links, and invoicing tools for managing multi-currency transactions. Small and medium enterprises and larger corporates use the platform to send bulk payouts, receive payments, and reconcile transactions through the API or dashboard.

Stripe Stablecoin Infrastructure integrates multi-directional stablecoin flows through unified financial rails, enabling businesses to accept payments, maintain balances, and disburse funds in both fiat and cryptocurrency while abstracting blockchain complexity.

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.

Notabene Flow is a stablecoin payment infrastructure network for wallets, issuers, fintechs, and payment service providers. It coordinates pull payments such as merchant-initiated invoices, push payments such as sender-initiated payouts, and recurring billing cycles for business commerce. The network relies on an open authorization protocol to verify identities, enforce compliance policy, and authorize settlement across payment agents before funds move on-chain. Participants integrate as payment-initiating agents, payment-responding agents, or infrastructure providers through application programming interfaces, and the network coordinates and authorizes transactions without holding funds or acting as a custodian.

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.

Truther API is a developer integration layer that lets platforms and financial institutions process stablecoin payments programmatically. It provides modular endpoints for on-ramp and off-ramp conversions, connecting stablecoin transactions to local instant payment systems while supporting compliance checks. Institutions and fintechs use it to receive payments in local currency and settle in stablecoins across multiple markets without building settlement infrastructure themselves.

BlockWyre Payments is a B2B payment orchestration platform that lets businesses accept and send funds across bank rails and blockchain networks through a unified API and dashboard. It processes pay-ins and pay-outs in stablecoins alongside major cryptocurrencies, converting between fiat and digital assets and settling transactions on-chain or via traditional rails. Technology providers, e-commerce platforms, remittance operators, and payment companies embed the infrastructure to automate collection, disbursement, cross-border settlement, and reconciliation workflows at scale.

The x402 Facilitator is a payments infrastructure and orchestration service that coordinates authorization, metering, and settlement for AI agent transactions across fiat, crypto, and credit rails. It exposes a dedicated API that verifies x402 payment tokens, enforces spending policy, and reconciles fiat and crypto activity through a unified ledger, enabling API providers and platforms to accept agent-initiated payments without building settlement logic themselves. Developers integrate it independently of the Nevermined Pay dashboard through its own endpoint and documentation.

dLocal Financial Platform is a payments infrastructure and orchestration service that connects global enterprises with local payment methods across emerging markets. It provides merchant payins, payouts, invoice collection, and platform-level payment routing through a single API, unifying multiple payment methods and currencies. Businesses use it to accept and disburse funds locally while dLocal handles currency conversion and rail selection.

dLocal Stablecoin Full is a stablecoin payment infrastructure product for emerging markets, letting merchants accept stablecoin checkout and convert between digital assets and local fiat rails. It provides treasury and foreign-exchange operations alongside settlement, integrated through a single API. The product connects to multiple blockchain networks and stablecoins to route payments and manage cross-border liquidity.

BNPL Fuse is a buy-now-pay-later aggregation product that connects merchants to multiple installment payment providers across emerging markets through a single integration. It routes checkout transactions to available local BNPL options, letting businesses offer installment payments without integrating each provider separately. The product is accessed through the same payments infrastructure used for other local payment methods.

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.

Knit Platform is a payments infrastructure product that lets businesses collect, hold, and disburse cryptocurrency and stablecoin payments through a REST API and dashboard. It provides reusable and single-use deposit wallets, payment links, and programmatic payouts, with webhook notifications for state changes such as collection and payout completion. Businesses fund a dedicated API account from their main wallet to power automated payouts, while a separate managed signing service supports policy-based approval workflows for wallets used with payment networks such as Circle's. The platform serves businesses seeking to accept customer payments, manage treasury wallets, and automate outbound payouts across multiple blockchains and stablecoins.

Speed Merchant is an enterprise payment infrastructure platform that enables businesses to accept, send, and settle Bitcoin and stablecoin payments over the Lightning Network. It provides checkout and payment link tools for accepting payments, instant global payouts, and onramp and offramp services for converting between fiat and digital assets. Businesses integrate the platform through APIs and point-of-sale tools while accessing compliance features to meet regulatory requirements across multiple jurisdictions. The platform serves global businesses seeking low-fee, near-instant settlement in place of traditional payment rails.

Modern Treasury Payments is an integrated payment service provider that moves money across ACH, same-day ACH, domestic wires, RTP, FedNow, push-to-card, and stablecoin rails through a single API. The platform provides programmable customer accounts with KYC, KYB, and AML compliance, automated reconciliation, return management, and a payment operations dashboard with audit logs. It supports stablecoins across multiple blockchain networks, with automated fiat-to-stablecoin conversion, wallet provisioning, and wallet screening included without a separate on-ramp vendor. Businesses can start with the integrated payment service provider and add direct bank relationships as they scale, within the same API integration.

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.

Immutable Checkout is a Payment infrastructure for games and marketplaces that aggregates on-ramps, currency swaps, and asset purchases into a configurable checkout interface. Players can add funds and complete asset purchases within a single transaction flow, with smart routing guiding users through the required steps without leaving the game experience. Supports multiple global payment methods across many countries.