Coinflow Labs
Coinflow Labs is a Chicago-based Web3 payment infrastructure provider enabling gaming, marketplace, and fintech companies to accept traditional payment methods and settle in stablecoins or fiat across 170+ countries via multi-chain APIs.
- Company typePrivate
- Founded2023
- HeadquartersChicago, United States
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What Coinflow Labs does
Coinflow Labs is a Chicago-based payment infrastructure provider founded in 2022 that enables Web3 companies, gaming platforms, marketplaces, and fintechs to accept traditional payment methods and settle in stablecoins or fiat. The platform supports pay-ins via credit/debit cards, ACH, Apple Pay, Google Pay, SEPA, UKFPS, PIX, Cash App, Venmo, PayPal, and crypto tokens, and payouts via push-to-card, same-day ACH, RTP, SEPA, wires, and gasless EVM USDC across Solana, EVM-compatible chains, and Stellar. Underlying infrastructure includes PCI DSS Level 1 compliant checkout, fully indemnified chargeback protection with AI-based anomaly detection, multi-party settlement for marketplaces, FX orchestration across 170+ countries, and embedded wallet functionality with 2.3% APY on balances. The product is delivered through a REST API with SDKs for React, React Native, Flutter, iOS, Android, and Swift, plus a self-serve integration builder, with enterprise field sales layered on for strategic accounts.
The company generates revenue through transaction and processing fees, FX margins on cross-border conversions, and payout service fees. Customer concentration skews toward Web3 marketplaces (Whop, Courtyard), gaming and sports betting (HotStreak, Triumph, Novig, Felix, Fliff), with the Solana ecosystem listed as a partner. As of October 2025, Coinflow reported multi-billion-dollar annual transaction volume run rate, 23x revenue growth since its May 2024 seed round, and more than 170 countries served. The company has raised approximately $28.7M across three rounds — a $1.45M pre-seed (April 2023), a $2.25M seed (May 2024), and a $25M Series A led by Pantera Capital with Coinbase Ventures (October 2025) — and operates through a Delaware parent (Coinflow Labs Limited) and a Polish VASP-registered EU subsidiary (CF Labs Sp.z.o.o.).
Coinflow Labs firmographics
Firmographics- Name
- Coinflow Labs
- Legal name
- Coinflow Labs Limited
- Website
- https://coinflow.cash
- Company type
- Private
- Founded year
- 2023
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- Coinflow Labs is a Chicago-based Web3 payment infrastructure provider enabling gaming, marketplace, and fintech companies to accept traditional payment methods and settle in stablecoins or fiat across 170+ countries via multi-chain APIs.
- Ownership category
- akta.pro rank
Coinflow Labs industry classification
Industry- Product category
- Cryptocurrency Payment Processing
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Security & Commodity Brokers, Dealers, Exchanges & Services (6200)
- akta.pro primary industry
- Crypto Payments & Stablecoin Settlement Platforms (BPAMAFAL)
- akta.pro secondary industries
- Crypto Payment Gateways & Checkout APIs (FSADAIAA), Enterprise Payments & Tokenized Money (stablecoins, tokenized deposits, CBDC rails) (FSAPAIAJ), On/Off-Ramp Providers (Fiat↔Crypto) & Cash-In/Cash-Out Networks (FSADAIAE), Payments, Remittances & Merchant Acceptance (checkout, invoicing, payroll) (FSAPAEAE)
Keywords
Where Coinflow Labs is headquartered
LocationHeadquarters
- HQ city
- Chicago
- HQ country
- United States
- HQ region
- North America
Offices2 records
Markets served
Coinflow Labs business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Infrastructure, Operations, Marketing or Sales
Revenue model
- Transaction/Processing Fees: Fees charged on payment transactions processed through the platform, including credit/debit card processing, ACH transfers, stablecoin settlements, and cross-border payments. The platform supports various payment methods and charges merchants for each transaction processed.
- FX Margin: Revenue generated from foreign exchange spread when converting between currencies or stablecoins for cross-border settlements.
- Payout Services: Fees for push-to-card, ACH, RTP, SEPA, wire transfers, and other payout methods to disburse funds to merchants and end users globally.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Unit Pricing | Pay-as-you-go | Near-zero minimum payment threshold |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels7 records
Coinflow Labs product offering
Product offeringCore offering
Coinflow Labs provides a unified Web3 payment platform that lets merchants accept traditional payment methods (credit/debit cards, ACH, Apple Pay, Google Pay, SEPA, UKFPS, PIX, Cash App, Venmo, PayPal, Interac, wire transfers, and crypto tokens) and settle funds instantly in stablecoins such as USDC on Solana, EVM-compatible blockchains, and Stellar. The stack combines Checkout, Payouts, multi-currency FX orchestration, AI-based fraud and chargeback protection, and multi-party marketplace settlement, delivered via REST APIs and SDKs to Web3 companies, gaming studios, marketplaces, fintechs, and remittance platforms operating across 170+ countries.
Product overview
Coinflow Labs offers a unified payment stack for Web3 companies consisting of a core platform with instant settlement and fraud protection. The main products are Checkout (supporting credit/debit cards, ACH, USDC, Apple Pay, Google Pay, SEPA, UKFPS, PIX, Cash App, Venmo, PayPal, Interac, wire transfers, and crypto) and Payouts (push-to-card, ACH, RTP, SEPA, wire transfers, PayPal, Venmo, crypto). Industry-specific solutions include Marketplace Payments, Gaming Payments, Remittance Solutions, Fintech Solutions, E-commerce Payments, and Global Payroll. Supporting services include Coinflow Wallet (with 2.3% APY), Chargeback Protection, FX Orchestration, Subscriptions, Merchant Dashboard, and ISV Launchpad. The platform processes multi-billion-dollar annual transaction volume across over 170 countries.
Differentiator
Problem solved
Functional benefit
Products and services
- Coinflow Payment Stack
Quantifiable outcome
- 23x revenue growth since 2024 seed round
- +3 more outcomes
Companies that use Coinflow Labs
Customer profileNamed customers8 records
Segments6 records
Ideal customer profiles4 records
Coinflow Labs technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
AI capability2 records
Feature6 records
Coinflow Labs partnerships and signals
Strategic signalScale indicators7 records
Recent moves6 records
Expansion highlights6 records
Coinflow Labs competitors and assessment
Company assessmentDirect peers
- Alchemy Pay: Crypto payment gateway supporting cards and local payment methods across many countries, with both fiat and crypto settlement options. Closely matches Coinflow's multi-rail, multi-country model.
- NOWPayments: Crypto payment gateway offering checkout, invoices, subscriptions, and payouts with broad coin support. Targets a similar SMB-to-mid-market merchant profile as Coinflow's self-serve offering.
- Coinbase Commerce: Coinbase's merchant crypto payment gateway enabling businesses to accept crypto and stablecoins. Most directly comparable to Coinflow as a crypto-native payment gateway with merchant onboarding, though Coinbase has a larger brand and exchange affiliation.
- Ramp Network: Embedded fiat-to-crypto on-ramp infrastructure for Web3 apps, with focus on European and emerging market payment methods. Directly comparable to Coinflow's checkout and on-ramp functionality.
- Banxa: Global fiat-to-crypto on/off-ramp provider with local payment methods across many jurisdictions. Comparable to Coinflow's global pay-in and payout orchestration, though Banxa is more retail- and exchange-focused.
- Transak: Fiat-to-crypto on-ramp provider embedded in wallets and dApps via APIs and SDKs. Comparable to Coinflow on the fiat↔crypto bridge, with overlap in API-first distribution to Web3 companies.
- MoonPay: Fiat-to-crypto on/off-ramp and checkout provider for Web3 companies, with strong consumer wallet and NFT checkout. Comparable to Coinflow in bridging fiat payment methods with Web3 settlement.
- BitPay: One of the earliest and largest crypto payment processors, offering merchant checkout, invoicing, and settlement. Directly competes with Coinflow's Checkout and Payouts products, especially in cross-border merchant use cases.
Emerging players
- Triple-A: Licensed crypto payment gateway offering merchant checkout, invoicing, and settlement in stablecoins. Comparable to Coinflow's stablecoin-anchored checkout for e-commerce and Web3 merchants.
Broad incumbents
- Stripe: Dominant global payments processor that has begun piloting stablecoin and crypto payouts. As a broad incumbent with deep merchant relationships, Stripe represents both a competitive threat and a potential acquirer or partner for Coinflow.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
Coinflow Labs social profiles
Digital presenceCoinflow Labs compliance and trust
Trust signalCompliance2 records
Coinflow Labs financial estimates
Financial estimateRevenue estimate
Valuation estimate
Coinflow Labs leadership team
Management profileNumber of profiles
Profiles2 records
Coinflow Labs subsidiaries and ownership
Company hierarchySubsidiaries1 record
Coinflow Labs funding detail
Funding detailFunding overview
Funding rounds3 records
Investors12 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Coinflow Labs M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Coinflow Labs
What does Coinflow Labs do?
Coinflow Labs provides a unified Web3 payment platform that lets merchants accept traditional payment methods (credit/debit cards, ACH, Apple Pay, Google Pay, SEPA, UKFPS, PIX, Cash App, Venmo, PayPal, Interac, wire transfers, and crypto tokens) and settle funds instantly in stablecoins such as USDC on Solana, EVM-compatible blockchains, and Stellar. The stack combines Checkout, Payouts, multi-currency FX orchestration, AI-based fraud and chargeback protection, and multi-party marketplace settlement, delivered via REST APIs and SDKs to Web3 companies, gaming studios, marketplaces, fintechs, and remittance platforms operating across 170+ countries.
Is Coinflow Labs a public or private company?
Coinflow Labs is a private company. It is classified as venture growth investor backed and is currently operating.
When was Coinflow Labs founded?
Coinflow Labs was founded in 2023. It employs 51 to 100 people.
Where is Coinflow Labs based?
Coinflow Labs is headquartered in Chicago, United States, in the North America region.
How does Coinflow Labs make money?
Three revenue lines are on record. Transaction/Processing Fees are the primary driver. The others are FX Margin and payout Services.
Who are Coinflow Labs's main competitors?
Direct peers on record are Alchemy Pay, NOWPayments, Coinbase Commerce, Ramp Network, Banxa, Transak, MoonPay and BitPay. Triple-A is listed as an emerging player. Stripe is listed as a broad incumbent.
Does Coinflow Labs have an API?
Yes. REST API for payment processing with endpoints for card checkout, debit card payouts, customer management, file uploads, and webhooks. Supports sandbox and production environments at api-sandbox.coinflow.cash and api.coinflow.cash respectively. Authentication via API keys and session keys. Developer documentation is at docs.coinflow.cash.
What industry is Coinflow Labs in?
Coinflow Labs's product category is Cryptocurrency Payment Processing. Its primary akta.pro industry code is BPAMAFAL, Crypto Payments & Stablecoin Settlement Platforms, with a secondary code of FSADAIAA, Crypto Payment Gateways & Checkout APIs. Its NAICS code is 522320 and its SIC code is 6200.