Stackup
Stackup provides crypto businesses with ERC-4337 smart account-based digital asset management, enabling enterprise treasury operations across seven EVM chains with banking integration, team controls, and audited Keystore security architecture.
- Company typePrivate
- Founded2021
- HeadquartersCulver City, United States
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What Stackup does
Stackup is a digital asset management platform that enables crypto-native businesses to manage their onchain treasuries and operational finances through enterprise-grade smart contract wallets. Founded in 2021 and headquartered in Culver City, California, the company was co-founded by John Rising (CEO, formerly of SpaceX, Relativity Space, and Virgin Galactic) and Hazim Jumali (CTO, an Ethereum Foundation grantee for core ERC-4337 infrastructure). After operating as a B2B infrastructure provider powering Coinbase Wallet and Trust Wallet, Stackup pivoted in November 2024 to directly serve crypto companies, enterprises, and funds with a smart account platform featuring multi-signature workflows, role-based access controls, gas abstraction, and direct banking integration.
The platform is built on ERC-4337 smart contract accounts with a proprietary Keystore architecture that uses a Merkle Tree data structure (User Configuration Merkle Tree) to store access configuration offchain while committing only the root hash onchain, enabling private and gas-efficient cross-chain access control. Authentication is 100% passwordless via WebAuthn passkeys, with keys stored on device secure enclaves. The platform supports seven EVM networks (Ethereum, Base, Arbitrum, Optimism, Polygon, Avalanche, BSC) with deterministic address deployment, and integrates with Bridge for ACH-based fiat on/off ramps. The Keystore was independently audited by Spearbit in July 2025, and the platform is built to SOC 2 Type II compliance with AES-256 encryption at rest.
Stackup operates a tiered SaaS pricing model: a free tier for individuals and solo users, a Pro tier at $500/month for small teams and startups, and custom-priced Enterprise contracts for large teams and funds. Revenue is supplemented by transaction fees on token swaps (0.3% standard, 0.15% for Pro, 0% for Enterprise) and fiat conversion fees (0.7% total). The company distributes through a product-led growth motion (free tier with self-serve sign-up), an API-first developer channel, and a direct enterprise sales motion. Total funding raised is approximately $6.3 million across a $2.1M pre-seed in 2021 and a $4.2M seed round led by 1kx in June 2025.
Stackup firmographics
Firmographics- Name
- Stackup
- Legal name
- Stackup Finance, Inc.
- Website
- https://stackup.fi
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Stackup provides crypto businesses with ERC-4337 smart account-based digital asset management, enabling enterprise treasury operations across seven EVM chains with banking integration, team controls, and audited Keystore security architecture.
- Ownership category
- akta.pro rank
Stackup industry classification
Industry- Product category
- Crypto Treasury Management
- NAICS
- Computing Infrastructure Providers, Data Processing, Web Hosting, and Related Services (518)
- akta.pro primary industry
- Smart Contract Wallets / Account Abstraction (MPC/AA, social recovery, paymasters) (FSAPACAB)
- akta.pro secondary industries
- Account Abstraction & Smart Wallet Tooling (AA SDKs, paymasters, session keys) (FSAPABAK), Wallet Infrastructure (SDKs, Wallet-as-a-Service) (FSADACAD), Embedded Wallets (Platforms & Marketplaces) (FSAMAEAM), Compliance Identity & KYC/KYB for Wallets (on-chain identity, reusable KYC, travel rule tooling) (FSAPACAL)
Keywords
Where Stackup is headquartered
LocationHeadquarters
- HQ city
- Culver City
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
Stackup business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Infrastructure, Marketing or Sales, Operations
Revenue model
- Subscription - Pro Tier: Pro plan at $500/month provides team access, full payment features, 12+ chains, gas fee abstraction, scheduled payments, API access, and on/off ramp with volume discounts.
- Subscription - Enterprise Tier: Custom pricing for large teams and funds with white-glove setup, custom integrations, dedicated manager, optional insurance, and 0% swap fees.
- Swap Fees: 0.3% fee on token swaps for standard users. Enterprise customers covered by subscription fee.
- Fiat Conversion & ACH: 0.7% total fee (0.4% third-party + 0.3% platform) for ACH transfers bridging crypto and traditional banking.
- Free Tier: Free tier provides basic accounts, basic payment tracking, and 2 chains. Generates revenue through upsell to Pro and Enterprise tiers.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Monthly | Free tier for solo users |
| Subscription | Monthly | Pro tier for small teams and startups |
| Subscription | Multi-year contract | Enterprise tier for large teams and funds |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels5 records
Stackup product offering
Product offeringCore offering
Stackup provides a digital asset management platform that enables crypto businesses to manage onchain finances, treasury, and team operations through ERC-4337 smart accounts. The platform unifies multi-chain wallet management, role-based access controls, automated payments (invoices, scheduled, batch), and direct banking integration via ACH for fiat on/off ramp. It is sold via Free, Pro ($500/month), and Enterprise tiers with API access.
Product overview
Stackup is a digital asset management platform designed to streamline crypto operations for enterprise-grade businesses. The core product is the Stackup Platform, which provides a unified dashboard for managing onchain finances, treasury, and team operations. Underlying the platform are ERC-4337 Smart Accounts featuring the proprietary Keystore architecture — a permissionless protocol using Merkle Tree data structures for private, gas-efficient, cross-chain access control. Stackup integrates a Banking Bridge for direct ACH connectivity, a Forwarding Address API for payment attribution, and a passkey-based authentication system (WebAuthn/P-256) that links to onchain smart accounts for non-custodial signing. The platform is complemented by comprehensive documentation and a developer API (REST, Bearer token auth). The company was founded in 2021 by John Rising (CEO) and Hazim Jumali (CTO), and pivoted from a B2B infrastructure provider (powering Coinbase Wallet and Trust Wallet) to its current business wallet focus. Pricing tiers are Free ($0/month), Pro ($500/month), and Enterprise (custom).
Differentiator
Problem solved
Functional benefit
Brands
- Stackup Wallet: The company's smart account platform built on ERC-4337 for managing crypto operations
Products and services
- Stackup Platform A digital asset management SaaS platform for crypto businesses and funds that provides a unified dashboard for managing onchain finances, treasury, and team operations through ERC-4337 smart accounts with role-based access controls, payment automation, and direct banking integration.
- Smart Accounts (ERC-4337) Smart contract-based wallets built on the ERC-4337 account abstraction standard providing self-custodial control with custom validation logic (multi-sigs, passkeys, timed sessions, spending limits), atomic batching of multiple actions, and gas abstraction allowing gas fees to be paid in tokens other than native ETH.
- Stackup Keystore Protocol An open-source permissionless protocol enabling private, gas-efficient, and cross-chain access control via a Merkle Tree data structure (User Configuration Merkle Tree). Uses a singleton contract pattern with configuration stored offchain and only the root hash committed onchain, with a reference hash pointer enabling cross-chain deployment without requiring the original signing key.
- Banking Integration Direct banking connectivity feature enabling seamless on/off ramp between crypto wallets and US bank accounts via ACH transfer, with proxy address creation for automated stablecoin liquidation to bank accounts. Includes KYB/KYC verification through Stackup's partner Bridge.
- Forwarding Address API A developer API for creating deterministic non-custodial forwarding addresses (ERC-1167 minimal proxy contracts) that route incoming payments to a Stackup wallet, with webhook notifications and automatic sweeping. Enables attribution tracking for payments from arbitrary sources such as centralized exchanges or non-custodial wallets.
Quantifiable outcome
- Gas fees are free for access control features and outgoing payments across all chains
- +2 more outcomes
Companies that use Stackup
Customer profileNamed customers2 records
Segments3 records
Ideal customer profiles3 records
Stackup technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
Feature6 records
Stackup partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- BridgecoreBanking partner processing direct ACH transfers and fiat conversions. Bridge provides the infrastructure for proxy addresses that automatically liquidate stablecoins to connected US bank accounts. Stackup partners with Bridge for on/off ramp functionality.
- SpearbitcoreSecurity audit firm that audited Stackup's Keystore smart account implementation (July 2025 audit). Spearbit is a tier-one blockchain security firm providing professional audits for smart contracts and protocols.
Scale indicators3 records
Recent moves6 records
Expansion highlights5 records
Stackup competitors and assessment
Company assessmentDirect peers
- Safe (formerly Gnosis Safe): Safe is the dominant multi-signature and smart contract wallet platform for DAOs, treasuries, and crypto companies. It is the most direct competitor to Stackup in the multi-chain smart account / crypto treasury management category and is explicitly named by Stackup as a comparison point.
- Turnkey: Turnkey provides wallet-as-a-service infrastructure built on a flexible signing and policy architecture for crypto applications. It targets developers building embedded wallet and treasury flows comparable to Stackup's Keystore and Forwarding Address API offerings.
- Privy: Privy offers embedded wallet infrastructure for web3 applications, including authentication, multi-chain smart accounts, and policy controls. It competes with Stackup in the smart account tooling layer used by developers to embed wallet functionality into their own products.
- Dynamic: Dynamic provides embedded wallet and authentication infrastructure for web3 apps, including multi-chain smart accounts and developer APIs. It targets a similar developer and business-customer base as Stackup's API-first smart account platform.
Broad incumbents
- Fireblocks: Fireblocks is an institutional digital asset custody, settlement, and treasury management platform serving exchanges, funds, and corporates. It overlaps with Stackup at the enterprise crypto treasury tier but operates a broader asset custody and trading infrastructure stack rather than a smart-wallet-focused product.
- Coinbase Wallet: Coinbase Wallet is a consumer smart wallet built by Coinbase. Coinbase was an earlier customer of Stackup's ERC-4337 infrastructure, and Coinbase's own smart wallet roadmap now overlaps with Stackup's target market at the consumer and small-business tier.
- Alchemy: Alchemy is a leading blockchain developer and infrastructure platform offering node services, APIs, and account abstraction tooling. Its AA-related products overlap with Stackup's smart account infrastructure, but Alchemy sells a much broader suite of web3 infrastructure services.
- BitGo: BitGo provides institutional digital asset custody, treasury, and trading solutions. It overlaps with Stackup's enterprise crypto treasury value proposition at the larger end of the market, though BitGo's model is traditional qualified custody rather than smart-contract wallets.
Emerging players
- Thirdweb: Thirdweb is a web3 developer platform that provides smart contract deployment, wallet, and payment infrastructure. Its smart account and onchain payments capabilities compete at the developer-tooling layer with Stackup's Keystore and Forwarding Address products.
- Zerion: Zerion is a multi-chain crypto wallet and portfolio manager with smart account and DeFi aggregation features. It is an emerging player with comparable target users (individual crypto operators and small teams) but lacks Stackup's banking bridge and enterprise-grade controls.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Stackup social profiles
Digital presenceStackup compliance and trust
Trust signalCompliance2 records
Stackup financial estimates
Financial estimateRevenue estimate
Valuation estimate
Stackup leadership team
Management profileNumber of profiles
Profiles2 records
Stackup funding detail
Funding detailFunding overview
Funding rounds2 records
Investors6 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Stackup 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 Stackup
What does Stackup do?
Stackup provides a digital asset management platform that enables crypto businesses to manage onchain finances, treasury, and team operations through ERC-4337 smart accounts. The platform unifies multi-chain wallet management, role-based access controls, automated payments (invoices, scheduled, batch), and direct banking integration via ACH for fiat on/off ramp. It is sold via Free, Pro ($500/month), and Enterprise tiers with API access.
Is Stackup a public or private company?
Stackup is a private company. It is classified as venture growth investor backed and is currently operating.
When was Stackup founded?
Stackup was founded in 2021. It employs 1 to 10 people.
Where is Stackup based?
Stackup is headquartered in Culver City, United States, in the North America region.
How does Stackup make money?
Five revenue lines are on record. Subscription - Pro Tier is the primary driver. The others are subscription - Enterprise Tier, swap Fees, fiat Conversion & ACH and free Tier.
Who are Stackup's main competitors?
Direct peers on record are Safe (formerly Gnosis Safe), Turnkey, Privy and Dynamic. Broad incumbents are Fireblocks, Coinbase Wallet, Alchemy and BitGo. Emerging players are Thirdweb and Zerion.
Does Stackup have an API?
Yes. Stackup provides a public REST API for developers to programmatically manage wallets, transactions, and crypto operations. Base URL: https://api.app.stackup.fi. Authentication via Bearer token (API keys managed in Organization Settings > API Keys with permission levels: Read-only, Standard, Admin). Key endpoints include forwarding address creation (POST /v1/wallet/{walletAddress}/forwarding-address), listing forwarding addresses (GET /v1/wallet/{walletAddress}/forwarding-address), batch transaction API, and swap operations. Webhook support for push notifications on incoming payments to forwarding addresses. Fee structure: 0.3% swap fee for standard users, covered by subscription for enterprise customers; 0.7% (0.4% third-party + 0.3% platform) for fiat conversion/ACH transfers. Developer documentation is at docs.stackup.fi.
What industry is Stackup in?
Stackup's product category is Crypto Treasury Management. Its primary akta.pro industry code is FSAPACAB, Smart Contract Wallets / Account Abstraction (MPC/AA, social recovery, paymasters), with a secondary code of FSAPABAK, Account Abstraction & Smart Wallet Tooling (AA SDKs, paymasters, session keys). Its NAICS code is 518.