Noah

Name

Noah

Legal name

Noah US, Inc.

Website

https://noah.com

Company type

Private

Founded year

2023

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Cross-Border Payments Infrastructure

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

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), On/Off-Ramps & Fiat Liquidity Providers for Stablecoins (FSADADAG), Enterprise Payments & Tokenized Money (stablecoins, tokenized deposits, CBDC rails) (FSAPAIAJ)

Keywords

• Stablecoin payments infrastructure
• Cross-border payments API
• Enterprise payment orchestration
• Digital asset payment rails
• Fiat-to-stablecoin onramp

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales

Revenue model

1. Payin Transaction Fees: Noah earns fees on fiat-to-stablecoin conversion transactions where customers deposit fiat into virtual accounts that are converted to stablecoins. Real-time, transparent FX-based pricing.
2. Payout Transaction Fees: Revenue earned when partners convert stablecoins into local fiat and deliver via bank transfer, mobile money, eMoney, or wallets in 30+ fiat currencies. Fee structure is flexible — partners can absorb, pass through fully, or partially pass fees to end customers.
3. API / Platform-as-a-Service Fees: Usage-based API access fees charged to platforms integrating virtual account issuance, orchestration, hosted checkout, and the compliance stack for their own end-user flows.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels9 records

Core offering

Noah provides an API-first stablecoin payments infrastructure platform that enables businesses and platforms to integrate fiat-to-stablecoin on-ramps, off-ramps, and cross-border payment orchestration. The platform unifies KYC, compliance, multi-currency wallets, and dynamic payment routing behind a single API, allowing clients to launch stablecoin-powered payment products without building the underlying crypto banking and regulatory infrastructure themselves.

Product overview

Noah is a single, unified stablecoin-powered global payments platform rather than a loosely bundled suite: its three named core modules — Payin, Payout, and Orchestration — sit on top of a shared API and shared compliance / KYC stack, with Hosted Checkout and Hosted Onboarding (Hosted KYC) offered as low-code alternatives to direct API access, Dynamic Forms embedded inside Payout to handle country/method form complexity, and a Treasury/Operations Dashboard for in-house finance teams. Payin issues named virtual bank accounts and converts deposited fiat into stablecoins; Payout programmatically converts stablecoins into 30+ fiat currencies and delivers them via local rails (bank transfer, mobile money, eMoney, digital wallets, Mercado Pago); Orchestration detects inbound funds and triggers rule-based automated payouts, packaged as ready-made workflows such as Bank Onramp and Automated Payout. Compliance (KYC/KYB, screening, transaction monitoring with risk scoring and anomaly detection, travel rule) is delivered across the platform, with a Reliance Model option for licensed partners that already KYC their own end users. The platform also extends to partner-branded experiences such as Ledger's Cash-to-Stablecoin, MiniPay, Jupiter, PEXX, Cenoa, Nafolo, Aurea Pay, and Hyperbeat Liquid Banking, where Noah operates as the underlying settlement engine.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• $22 million Seed funding raised in June 2025 (led by LocalGlobe, with Felix Capital and FJ Labs)
• +11 more outcomes

Named customers9 records

Segments6 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration21 records

AI capability4 records

Feature6 records

Partnerships

16 partnerships are on record, tiered core (european merchant expansion), flagship (south/se asia scale), core (emerging markets freelancer focus), flagship (defi ecosystem anchor), core (stablecoin issuance partnership), core (african fintech expansion), flagship (defi distribution at scale), core (blockchain ecosystem expansion), flagship (mass-market crypto distribution), flagship (mass-market consumer distribution), flagship (stablecoin ecosystem anchor) and minor (logo partner).

• Aurea Hubcore (european merchant expansion)Strategic or Co-development Partner · 17 June 2026Strategic partnership announced June 17, 2026 making Noah the foundational international payments infrastructure for Aurea Hub. Powers Aurea Pay, a cross-border merchant and e-commerce payment solution for European banks, fintechs, and merchants. Removes 1.5-3% FX markups and 3-5 day settlement, replacing outdated correspondent banking with stablecoin settlement. Blockchain- and token-agnostic infrastructure designed for adaptability.
• PEXXflagship (south/se asia scale)Strategic or Co-development Partner · 13 May 2026Strategic alliance announced May 13, 2026 to unlock USD/EUR Virtual Accounts for 2 billion people across South and Southeast Asia (India, Indonesia, Vietnam, Philippines). Noah provides the user-centric interface; PEXX delivers backend virtual accounts, stablecoin settlement, and high-speed payout rails. Payouts settle in ~30 seconds (IDR, INR) and under 2 minutes (VND). PEXX grew 4,900% in user base after raising $4.5M seed (Nov 2025).
• Cenoacore (emerging markets freelancer focus)Strategic or Co-development Partner · 12 May 2026Partnership launched May 12-13, 2026 targeting Pakistan's 2.4M freelancers and $3.8B annual digital export remittances. Enables users to open USD/EUR accounts in 3 minutes, receive zero-fee incoming payments, settle instantly as USDC/USDT stablecoins, and send USD to any bank worldwide via SWIFT. Estimated to reclaim $266M annually lost to legacy aggregators. Cenoa serves 500,000+ users across emerging markets.
• Hyperbeatflagship (defi ecosystem anchor)Strategic or Co-development Partner · 8 April 2026Noah is the default EUR/USD and major currency settlement provider for Hyperbeat's Liquid Banking on the HyperEVM chain. Enables users to connect on-chain and traditional accounts in one place, convert funds to Hyperbeat USD (Paxos-issued yield-bearing stablecoin backed 1:1 by USDG0), and withdraw to local bank accounts in 15+ currencies (GBP, BRL, INR, SGD, CAD, AED). Powers on-chain banking layer for $300B+ monthly Hyperliquid DeFi trading volume. Quote from Kilian Boshoff (Hyperbeat CEO): 'Noah provides the compliant fiat connectivity required to make that possible.'
• Paxos Labscore (stablecoin issuance partnership)Strategic or Co-development Partner · 8 April 2026Paxos Labs co-developed Hyperbeat's Liquid Banking with Noah and Hyperbeat, issuing Hyperbeat USD — a yield-bearing stablecoin backed 1:1 by USDG0 (the multichain extension of Paxos-issued USDG). Paxos Trust Company has $180B+ in tokenization activity. Quote from Bhau Kotecha (Paxos Labs Co-Founder): 'With enterprise-grade backing from USDG0 and seamless fiat connectivity through Noah and Rain, Hyperbeat has built a complete financial experience.'
• Nafolocore (african fintech expansion)Strategic or Co-development Partner · 4 March 2026Strategic partnership to launch stablecoin-powered virtual bank accounts for cross-border payments in Sub-Saharan Africa, replacing costly and slow traditional SWIFT transfers. Nafolo's platform serves 50,000 active users, processes $5M in monthly transaction volume, growing 15-20% month-over-month, targeting 500,000 users by year-end. Targets world's most expensive remittance corridor (avg cost ~9%).
• Jupiterflagship (defi distribution at scale)Strategic or Co-development Partner · 24 February 2026Partnership announced February 24, 2026 integrating neobank features into Jupiter Global (Solana-based DeFi superapp powering 90% of network trading volume). Provides 50+ million Jupiter wallets with USD/EUR virtual accounts, compliant cross-border transfers, and instant on-chain earnings payouts to local bank accounts. Launches with SGD and MYR support, planned expansion to AED, IDR, JPY, and THB. Addresses the 'last-mile problem' in crypto adoption across APEC for payroll, remittance, and institutional treasury.
• Algorand Foundationcore (blockchain ecosystem expansion)Strategic or Co-development Partner · 18 November 2025Strategic partnership announced during AlgoDay 2025 to enable compliant, regulated payments on the Algorand blockchain. Provides Algorand developers with access to Noah's regulated payment infrastructure including virtual bank accounts for USD and EUR, facilitating compliant on-chain settlement of bank payments across the US, Europe, and India.
• Ledgerflagship (mass-market crypto distribution)Strategic or Co-development Partner · 23 October 2025Launched 'Cash-to-Stablecoin' inside Ledger Wallet app on October 23, 2025. First-of-its-kind integration at scale enables millions of Ledger users (8M+ devices sold, 165+ countries) to receive EUR/USD payments and convert to USDC instantly. Each virtual account opens with a unique IBAN, with full compliance handled by Noah's KYC without leaving the Ledger app. Designed to support hundreds of thousands of new accounts per month. Quote from Jean-Francois Rochet (Ledger): 'Cash-to-Stablecoin brings new possibilities, giving users regulated EUR and USD accounts built directly into the app.'
• MiniPay (by Opera)flagship (mass-market consumer distribution)Strategic or Co-development Partner · 2 July 2025Landmark partnership announced at EthCC Cannes (July 2, 2025) bringing instant, low-cost, borderless payments to millions of MiniPay users in 70 destinations. MiniPay users can receive ACH/SEPA, convert to stablecoins, and withdraw to local mobile money accounts (M-Pesa, Pix, etc.) without leaving the non-custodial app. MiniPay has 8M wallets and 200M transactions across 53 countries, integrated into Opera Mini browser (100M+ users). Quote from Charles Hamel (MiniPay): 'Working with Noah has been a true unlock.'
• Circleflagship (stablecoin ecosystem anchor)Strategic or Co-development Partner · 29 April 2025Strategic partnership joining Circle's Payment Network (CPN) to expand USDC solutions for global payroll, remittances, and cross-border enterprise payments. Noah has supported USDC since 2023; partnership deepens integration to deliver 24/7, near-instant, lower-fee cross-border settlements. USDC supports Celo, Ethereum, Polygon, and Solana. Quote from Elisabeth Carpenter (Circle): 'Noah's work demonstrates how stablecoins can be applied in practical ways to make payments faster and more accessible.'
• Checkout.comminor (logo partner)Channel Partner/ Reseller/ DistributorFeatured in Noah's 'Trusted by global innovators' logo carousel on noah.com. Global payments processor providing complementary card and alternative payment method infrastructure for Noah's stablecoin rails.
• Lemon Cashminor (logo partner)Channel Partner/ Reseller/ DistributorFeatured in Noah's 'Trusted by global innovators' logo carousel on noah.com. Latin American crypto fintech leveraging Noah's payment infrastructure.
• Kastminor (logo partner)Channel Partner/ Reseller/ DistributorFeatured in Noah's 'Trusted by global innovators' logo carousel on noah.com. Consumer fintech leveraging Noah's stablecoin payments rails.
• Dapper Labsminor (logo partner)Channel Partner/ Reseller/ DistributorFeatured in Noah's 'Trusted by global innovators' logo carousel on noah.com. Web3 / NFT / blockchain gaming company integrating with Noah's payment infrastructure.
• Gnosis

Scale indicators9 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• BVNK: BVNK is a stablecoin and fiat payments infrastructure provider offering API-based global payouts, virtual accounts, and on/off-ramps to platforms and fintechs — the closest direct competitor to Noah's Payin/Payout stack.
• Bridge (now part of Stripe): Bridge is a stablecoin API platform (acquired by Stripe in 2025) that lets businesses issue stablecoins, move funds, and accept card-funded stablecoin payments — directly overlapping Noah's fiat-to-stablecoin orchestration layer.
• Rain: Rain provides stablecoin-powered payments and on/off-ramp infrastructure for fintechs and neobanks via APIs, including licensed stablecoin issuance — closely comparable to Noah's Reliance Model and Hosted KYC architecture.
• Transak: Transak is a developer-first crypto on/off-ramp API used by wallets and fintechs to convert fiat to crypto across 75+ countries — overlapping Noah's fiat-to-stablecoin Payin module and partner-led distribution model.
• MoonPay: MoonPay provides fiat-to-crypto on-ramps, off-ramps, and a payments API for wallets and consumer apps globally — a comparable developer-focused stablecoin payment infrastructure peer with broader brand recognition.
• Ramp Network: Ramp Network offers a fiat-to-crypto on-ramp and payment infrastructure API embedded inside wallets and apps across emerging markets — a near analog to Noah's fiat-to-stablecoin Payin product for platform customers.
• Alchemy Pay: Alchemy Pay operates a crypto payment gateway with fiat on/off-ramps and global merchant acquiring — comparable to Noah's payment-rail coverage and emerging-market focus, though with a more merchant-first orientation.

Broad incumbents

• Circle: Circle, the USDC issuer, runs its own Payment Network and offers mint/redeem APIs plus enterprise stablecoin services. As both a flagship Noah partner and a potential competitor moving further down the payments stack, it represents the largest incumbent overlap.
• Ripple: Ripple's Ripple Payments and RLUSD stablecoin target the same cross-border B2B and remittance use cases as Noah, with broader financial-institution distribution but a non-stablecoin-first legacy architecture.
• Coinbase Commerce / Coinbase Developer Platform: Coinbase offers fiat-to-crypto on-ramps, USDC payments, and developer APIs at scale via its Developer Platform. Comparable to Noah in offering regulated crypto rails for platforms, but operating as part of a much broader exchange and custody franchise.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/noahhq
• Xx.com/Noah_HQ

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries4 records

Funding overview

Funding rounds5 records

Investors7 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Noah