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

YoguPay is a cross-border payments infrastructure platform for global businesses, providing payment collections, mass payouts, FX and treasury management, and multi-currency global accounts through a unified API and business dashboard. Businesses can collect payments from multiple countries, disburse payouts to various countries across Africa, Asia, and LATAM via local payment rails including mobile money and bank transfers, convert between several currencies at competitive rates, and hold funds in multi-currency accounts. The platform also supports stablecoin settlement flows using USDT on Tron (TRC20) and USDT/USDC on Ethereum (ERC20) through a Wallets API.

Kalyssi API & Infrastructure provides a REST/JSON API with modular building blocks enabling fintechs, neobanks, and platforms to integrate wallets, payments, card issuance, crypto and FX exchange, compliance, and KLC rewards into their own products. The system provides a sandbox environment, signed webhooks, official SDKs for multiple programming languages, and scalable API packs with integrated KYC/KYB compliance hooks and configurable quotas from MVP to enterprise deployments.

R3 Offline Payments implements digital currency transaction processing for areas with limited internet connectivity through hardware security modules. The system enables CBDC and digital currency transactions via smart cards and mobile devices without network connectivity requirements.

Stable OS is a programmable financial platform that unifies payments, treasury, and financing operations through stablecoin infrastructure. The system enables COBO and POBO transactions via SWIFT rails across multiple countries, provides onshore USD accounts with ACH, Fedwire, and SWIFT capabilities, offers deep USD liquidity access in emerging markets, and allows users to earn up to 5.5% APY through institutional-grade regulated tokenized funds.

Talentir is a payment platform for creators that enables real-time AdSense payouts, yield on earnings, cross-border payout options, and content protection and tax optimization features.

PNSL is a cross-border payment settlement infrastructure that embeds into existing payment and treasury systems, allowing regulated payment operators to execute payments instantly while settlement is deferred and processed in batches. It uses freshly minted stablecoins settled on a blockchain network to fund payment corridors on demand, removing the need for pre-positioned capital across jurisdictions. An integrated AI-driven risk and compliance engine performs know-your-business checks, sanctions and anti-money-laundering screening, and real-time transaction monitoring across every payment flow. The system is used by money service businesses and payment networks handling cross-border transactions in multiple countries and currencies.

Abroad Payment Infrastructure provides real-time stablecoin-to-fiat conversion through open-source APIs, enabling wallets and financial institutions to orchestrate instant cross-border payments. The system integrates USDC with traditional payment rails while maintaining regulatory compliance and fraud protection.

Through its Open Banking Platform, Standard Chartered enables API-driven financial services integration for institutional clients. The platform facilitates programmable banking infrastructure and digital connectivity through standardized interfaces.

StableStack Payment Rails is a payment orchestration layer that integrates stablecoin infrastructure into existing payment flows through APIs. The platform provides smart accounts, blockchain abstraction, and liquidity routing to enable fiat-to-stablecoin conversions and cross-border payment termination to multiple countries.

Payman AI Platform provides secure payment infrastructure through dedicated AI accounts with configurable policies, enabling automated financial transactions while maintaining human oversight and compliance controls.

XFX Platform provides cross-border payment infrastructure through smart routing technology that aggregates liquidity sources across banks and market makers for fiat and stablecoin transactions, enabling real-time settlement with enterprise-grade reporting and auditability.

Modulr is an API-first payments platform for creating accounts, collecting funds, making payouts, issuing virtual and physical cards, and managing fraud and risk through a single interface or API.

Codego BaaS Platform provides white-label banking infrastructure through core banking systems, card issuing programs, and payment processing capabilities. The system supports IBAN provisioning, multi-currency accounts, KYC verification, and transaction monitoring while maintaining regulatory compliance across multiple jurisdictions.

Infinite implements a stablecoin-based payment infrastructure through unified APIs, enabling cross-border B2B transactions with integrated account management, embedded wallet functionality, automated compliance workflows, card issuance, invoicing tools, and payment orchestration capabilities for businesses managing global payment operations.

Bastion Move is a cross-border payment orchestration platform enabling instant global transfers, payroll processing, treasury management, and product integrations. The system facilitates fiat on/off-ramps and stablecoin conversions across jurisdictions.

UDA Pay is a digital asset payment solution supporting wallet-to-wallet transfers, fiat payment processing, and card payment options, enabling seamless, compliant global payments for businesses and individuals.

A payment gateway that processes online transactions through card networks and digital wallets, enabling merchants to accept Visa, Mastercard, AMEX, Apple Pay, and Google Pay. The system provides API integration, PCI compliance, fraud detection, and supports multi-currency processing with automated settlement.

stablenob is a stablecoin payment infrastructure platform that enables payment acceptance, fiat conversion, B2B settlements, and global payouts via an API. It offers real-time transaction tracking, automated reporting, analytics dashboards, and risk and fraud monitoring. Virtual card operations and data transfers use encryption.

Meridyan is an ISO20022 API abstraction layer connecting core banking systems to blockchain infrastructure. The platform handles orchestration, digital custody, on/off ramps, smart contract execution, gas management, transaction monitoring, and compliance through a unified API. It enables regulated financial institutions to access stablecoin issuers, L1/L2 blockchains, exchanges, and clearing houses.

Zuba Payouts is a REST API for sending payments to bank accounts and mobile money wallets across multiple African markets. Supports single and bulk disbursements, automatic FX quoting with rate locking, smart routing across payment rails, real-time transaction status tracking via webhooks, and a sandbox environment for integration testing.

Hercle is a B2B infrastructure platform providing institutional trading and cross-border payment settlement services. The trading component enables institutions to buy and sell digital assets through principal trading or third-party exchange execution, with on/off ramps between fiat currencies and stablecoins across multiple currencies. The payments component delivers cross-border payment rails connecting fiat currencies, stablecoins, and digital assets across multiple markets, supporting payins, payouts, real-time settlement, and virtual accounts. The platform is accessible via API, web interface, OMS integrations, and messaging channels, with embedded AML and KYC compliance controls throughout.