List of Payment network projects in Web3 (2026)

Mesta Payment Network is a payment network that processes stablecoin-to-fiat, fiat-to-stablecoin, and fiat-to-fiat transfers across multiple countries and currencies. It combines blockchain rails with local banking connections to settle transactions in real time or same-day, and provides named virtual accounts with dedicated local account numbers for collecting and holding balances in several currencies. The network also offers self-custody wallets that let businesses hold and move stablecoins across multiple blockchains without an intermediary controlling the funds. Businesses integrate through a RESTful API covering sender and beneficiary onboarding, payment methods, wallet address management, quote generation, and order execution, with built-in KYC, AML, and sanctions screening.

Mobilum Payment Rails is a payment network infrastructure product offering card acquiring, real-time money transfer, and open banking connectivity for fintech businesses. It supports major card networks and settlement rails, enabling partners to build payment products on top of the underlying infrastructure. The service targets fintech ventures needing acquiring, transfer, and bank-transfer capabilities in one integration.

EagleNet is a real-time settlement network enabling 24/7 instant fiat settlements between crypto platforms in the network, eliminating banking hour restrictions and reducing payment rail fees through a closed-loop liquidity pool.

Conduit Platform is a payment network that connects local banking rails with stablecoin infrastructure through a unified API and dashboard. It lets fintechs, payment service providers, and banks open multi-currency USD accounts and wallets, move funds through fiat rails or stablecoins, and manage compliance and settlement from one system. Businesses integrate the API to embed accounts and payments, while treasury and finance teams use a no-code dashboard for the same underlying accounts and transfers. The platform supports multiple stablecoins and blockchains alongside conventional payment rails, and handles KYB, AML, and transaction monitoring by default.

FX On-Chain is a blockchain-native foreign exchange payment network that links local currencies and stablecoins through an automated on-chain conversion engine. It enables institutional counterparties to convert and settle value across multiple currencies instantly, supporting cross-border payments, remittances, and trade finance with continuous multi-chain settlement. The system increases transparency and reduces market risk compared to traditional FX rails, and it operates on its own dedicated domain separate from Nonco's other services.

Oneremit is a business-to-business cross-border payment platform that lets companies send and receive international payments in multiple currencies. It provides transparent foreign-exchange rates, same-day or instant settlement depending on corridor, and beneficiary management with real-time transfer tracking. The platform serves small and medium businesses and large corporates making regular international payments such as suppliers, partners, or tuition fees, with built-in compliance controls. A personal remittance offering is in a waitlist stage ahead of public launch.

Cross River CRNow is a payment network that combines fiat rails with stablecoin settlement and crypto-native payment capabilities for fintechs, exchanges, and crypto platforms. The product provides USD-to-stablecoin conversion with real-time mint and burn, crypto-linked card programs, network settlement in stablecoins, and fiat on and off ramp services through bank-grade compliance infrastructure.

MANSA Protocol is a cross-border settlement platform that provides on-demand stablecoin capital to licensed payment operators through a single API. Operators request credit lines, draw funds to whitelisted wallets, and settle collections and payouts without prefunding corridor accounts. The platform also converts currencies at institutional pricing with rate locks and instant payouts. It issues dedicated virtual IBANs per client or corridor for local collection and automated reconciliation.

Mural Pay Platform is a payment network providing cross-border payment infrastructure that combines stablecoin and traditional fiat rails. It enables businesses to store balances, send and receive payments, convert currencies, earn yield on idle funds, and manage compliance through a single interface or API. Fintechs, marketplaces, banks, and payroll providers use it to launch multi-currency accounts, stablecoin wallets, and payout flows without building their own regulatory infrastructure.

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.

XEROF Platform is a Swiss-regulated neobank that provides institutions, high-net-worth individuals, and Web3 companies with company-named IBAN accounts, crypto-to-fiat conversion, and international payment services. It combines licensed banking rails with blockchain settlement, letting businesses move funds between segregated IBAN accounts and digital wallets, convert between cryptocurrencies and fiat, and settle cross-border invoices, payroll, and treasury operations through a single account. It also enables stablecoin-based cross-border transfers and crypto-to-fiat settlement for real estate transactions, allowing buyers to retain crypto exposure until closing.

t-0 Network is an institutional settlement network for cross-border payments using USDT-based net settlement. It uses a real-time FX order book for quote matching, payment orchestration for secure data exchange, and a settlement engine that records transactions and nets balances between participants. Financial institutions such as banks, fintechs, and payment platforms use it to collect, settle, and pay out across borders through a single integration.

Tazapay Payouts is a global payout service that lets businesses disburse funds to recipients across many markets with same-day settlement in multiple currencies. It routes payments through local payment rails and banking partnerships to reach vendors, suppliers, or individuals without requiring the payer to hold local banking infrastructure. The product serves fintechs, marketplaces, and platforms that need to pay out to a global vendor or user base.

Tazapay Global Collection Accounts is a business account product that provides multi-currency virtual accounts and stablecoin wallet addresses for collecting, holding, and disbursing funds like a local entity. Customers pay by bank transfer or supported stablecoins, and incoming funds are attributed automatically to a Tazapay balance. Platforms and marketplaces can run the accounts on behalf of their own customers, with payee identity and bank details verified before disbursement.

Worldpay Payments is a platform for accepting and managing transactions. It helps businesses process payments in-store, online, and on mobile through one integrated system.

MoneyGram Money Transfer is a cross-border payment platform facilitating international fund transfers through retail locations, online channels, and mobile applications. The system processes remittances to bank accounts, mobile wallets, or cash pickup locations across global agent networks. The mobile application integrates stablecoin settlement infrastructure using USDC on Stellar blockchain, enabling users to hold USD-backed digital balances and access cryptocurrency conversion services. Users initiate transfers digitally or at physical locations with delivery through account deposits, digital wallet storage, or cash distribution at participating agent sites.

OpenFX is a payment network providing real-time cross-border FX settlement infrastructure for institutions such as remittance companies, fintechs, payment processors, and digital banks. The platform routes transactions through direct local payment rails and stablecoin settlement, bypassing traditional correspondent banking to shorten settlement times and reduce fees. Users access multi-currency account management, quoting, and treasury automation through a web interface or a trading API supporting programmatic quotes, trades, deposits, and withdrawals. It supports a range of currency pairs and settlement in stablecoins alongside fiat, operating on a continuous basis rather than standard banking hours.

Stablepay is a stablecoin payment network that connects wallets, telcos, fintechs, and financial institutions to enable consumer and merchant payments across Africa. The platform lets users send stablecoins that are automatically converted and settled in local currency in real time, with payments authenticated directly from the sender's wallet. It supports both person-to-person transfers through a stablecoin credential linked to a wallet and direct spending at merchants, bill payments, and mobile money transfers, operating on a public blockchain network.

CargoBill Payment Platform processes stablecoin-denominated cross-border payments for logistics participants through Solana blockchain infrastructure, executing settlement in seconds with flat-fee pricing structures. The system enables users to initiate payment transactions, generate payment requests with shipment data integration, and receive cashback incentives on transaction volume. The platform implements non-custodial wallet architecture with customizable permission controls and military-grade encryption, facilitating payment workflows for freight carriers, shippers, and supply chain intermediaries operating across international jurisdictions and time zones.

PNSL (Pay Now, Settle Later) is a cross-border payment settlement infrastructure that embeds into existing payment and treasury systems, letting regulated payment operators execute payments instantly while settlement is deferred and processed later. It funds payment corridors on demand using freshly minted stablecoins settled on a blockchain network, removing the need for pre-positioned capital across jurisdictions. An integrated AI-driven risk and compliance engine screens counterparties, monitors transactions in real time, and applies sanctions and anti-money-laundering checks across every payment flow. Money service businesses and payment networks use the system, accessed through a web platform and API, to move funds across multiple countries and currencies.

Skyfire is a payment network infrastructure that enables AI agents to make and receive payments autonomously using digital wallets, identity verification through Know Your Agent (KYA), and programmable payment rules. The system supports USDC stablecoin transactions and traditional payment rails with spending controls, enterprise-grade security features, and includes a developer playground for testing and integration.

Thunes Direct Global Network is a cross-border payment infrastructure enabling businesses to send and accept payments globally through a single API. Outbound capabilities include payouts to bank accounts, mobile wallets, cards, and stablecoin wallets. Acceptance capabilities include bank transfers, open banking, mobile wallets, digital vouchers, and buy now pay later. FX management across multiple currencies and embedded compliance controls covering multiple regulatory licences are included as platform components. The network maintains direct connections to local payment endpoints across multiple countries and supports real-time settlement in multiple currencies.

Partior operates distributed ledger technology for interbank settlement networks enabling cross-border payments through blockchain infrastructure. The platform facilitates institutional payment processing and settlement between financial institutions.

Brex Stablecoin Payments enables businesses to accept stablecoins with automatic USD conversion, send stablecoins from USD balances, and pay card balances with stablecoins. The system processes transactions through blockchain rails while maintaining integration with traditional banking infrastructure, offering instant settlement and zero transaction fees for cross-border business payments.

Lynq Platform is a broker-dealer-operated real-time settlement network for institutional digital asset clients, enabling real-time transfers and interest accrual on holdings. The platform uses Tassat's private blockchain infrastructure with a patent-pending Yield-in-Transit feature that accrues interest calculated in two-second increments, including while transfers and redemptions are in progress. It operates within a regulated framework through tZERO Securities' SEC-registered broker-dealer architecture for onboarding, custody, and transaction monitoring.

TassatPay is a private permissioned blockchain payment network that lets banks offer corporate clients real-time B2B settlement around the clock. The platform integrates with core banking systems via API and supports smart contract functionality for automated transaction logic, multi-currency wallet management, and Fedwire transfers, with a Yield-in-Transit feature allowing balances to earn yield while in the payment flow. All transactions are backed by deposits held at FDIC-insured institutions. Banks and their corporate clients use the platform to move funds without transaction limits and with full audit capability.

Fluida Payment Platform enables B2B stablecoin-based cross-border payments, facilitating instant vendor and supplier transfers while integrating with existing accounts payable systems for seamless reconciliation and compliance workflows.

A global payment platform enabling cross-border money transfers through traditional payment rails (SWIFT, SEPA, ACH, FEDWIRE) and blockchain networks, supporting both fiat and cryptocurrency transactions with real-time FX rates and multi-currency settlement across 50+ countries.

A cross-border payment platform that enables businesses to send and receive money internationally across 180 countries. The system supports multi-currency transactions with competitive exchange rates and integrates with banking partners for account opening and compliance services.

Ubyx is a stablecoin clearing system that connects issuers and receiving institutions so users can deposit stablecoins into existing bank or fintech accounts at par. It uses pre-funded settlement accounts and a shared rulebook to coordinate redemptions across multiple blockchains and currencies.

Remitly Business provides international business payments to organizations for sending cross-border transfers.

Citi Token Services is an institutional payment service using private blockchain technology to facilitate cross-border fund transfers between participating Citi branches on a 24/7 basis. The service converts deposits into tokenized form via smart contracts, enabling near-instant settlement without requiring clients to open additional accounts or hold tokens. Transactions are initiated through the CitiDirect® online banking portal or API, with real-time payment status notifications and settlement confirmation. The service also supports programmable transfer of tokenized deposits for trade finance applications.