Caliza
Caliza provides compliant, real-time cross-border payments and US dollar account infrastructure for global enterprises, combining stablecoin rails with traditional banking partners across 100+ currencies and 40+ countries.
- Company typePrivate
- Founded2021
- HeadquartersMiami, United States
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What Caliza does
Caliza is a cross-border payments and treasury infrastructure provider founded in 2021 and headquartered in Wilmington, Delaware, with operating entities in São Paulo, Mexico City, and Bermuda. The company offers real-time international money movement and digital dollar accounts to enterprise clients, including import/export businesses, marketplaces, PSPs, neobanks, remittance providers, payroll platforms, and crypto/stablecoin businesses. Its product surface spans named US-domiciled digital dollar accounts with ACH/wire credentials, multi-currency accounts across 100+ currencies, stablecoin wallets for USDC, USDT, and USDG, and same-day settlement to 40+ countries using SWIFT, ACH, Wire, RTP, PIX, SPEI, and blockchain rails (ETH, TRON).
The platform is delivered through two access modes: a Global Dashboard (launched June 2025) for treasury operations and a RESTful API (docs.caliza.com) with Python, JavaScript, and Java SDKs for embedded integration. The orchestration layer combines licensed local banking partners (HSBC, Fortress, Banco Semear, Banco Dondé) with stablecoin infrastructure providers (Circle, Paxos, Fireblocks) to move funds across fiat and digital rails. Compliance is embedded via bank-grade KYC/KYB onboarding, sanctions/PEP/adverse media screening, and AI-powered transaction monitoring for both fiat and on-chain activity.
Caliza's revenue model is transaction-based, capturing FX spreads on currency conversions (approximately 150 basis points on USDC-to-BRL), transaction fees on cross-border payments, and integrator spreads paid to whitelabel partners. Pricing is quote-based, segmented by monthly volume tiers from under $50K to $10M+, with pay-as-you-go billing. The go-to-market is API-first enterprise field sales with a 'Request a Demo' funnel, supported by strategic distribution partnerships such as Mercado Bitcoin (LatAm crypto), LianLian Global (Brazil-China corridor), and Skydo (India). The company has raised approximately $13.8M across a 2023 seed round and a July 2024 pre-Series A led by Initialized Capital.
Caliza firmographics
Firmographics- Name
- Caliza
- Legal name
- Caliza Financial Technologies, Inc.
- Website
- https://caliza.com
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Caliza provides compliant, real-time cross-border payments and US dollar account infrastructure for global enterprises, combining stablecoin rails with traditional banking partners across 100+ currencies and 40+ countries.
- Ownership category
- akta.pro rank
Caliza industry classification
Industry- Product category
- Cross-Border Payments / Payment Orchestration
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- SIC
- Finance Services (6199), Services-Computer Programming, Data Processing, Etc. (7370)
- akta.pro primary industry
- Cross-Border & FX Payments Platforms (BPAMAFAK)
- akta.pro secondary industries
- Multi-Currency Accounts, Wallets & FX Management (Consumer/SME) (FSAGAKAF), Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG), Crypto Payments & Stablecoin Settlement Platforms (BPAMAFAL), Remittance & Cross-Border Payment Rails (SWIFT, Local Clearing, RTP Connectivity) (FSAGAKAH)
Keywords
Where Caliza is headquartered
LocationHeadquarters
- HQ city
- Miami
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
Caliza business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales
Revenue model
- FX Spread on Currency Conversions: Caliza earns a spread when converting between currencies. The spread applies to currency-conversion (FX) legs of transactions. For USDC to BRL conversions, Caliza applies approximately 150 basis points (1.5%) spread on top of the market rate.
- Cross-Border Payment Transaction Fees: Fees charged on cross-border payment transactions. The company offers transparent fee structures with total fees visible in transaction simulations before execution.
- Integrator Spread (Whitelabel/Partner Revenue): Partners/integrators can add their own spread on top of Caliza's spread on FX conversions. This spread is revenue for the integrator. Set via INTEGRATOR_SPREAD in basis points.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Quote-based enterprise pricing determined through sales process |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels6 records
Caliza product offering
Product offeringCore offering
Caliza provides compliant, real-time cross-border payments and USD account infrastructure for global businesses through a unified platform accessible via a Global Dashboard and a RESTful API. It combines stablecoin rails (USDC, USDT) with traditional payment rails (SWIFT, ACH, Wire, RTP, PIX, SPEI) to enable instant payouts, multi-currency treasury, FX management, and named digital dollar accounts across 40+ countries and 100+ currencies. The platform serves importers/exporters, PSPs, marketplaces, neobanks, remittance providers, payroll platforms, and integrators with built-in KYC/KYB, sanctions screening, and AI-powered transaction monitoring.
Product overview
Caliza is a unified global financial operations platform providing compliant, real-time payments and USD account infrastructure for global businesses. The product architecture consists of two core access methods: the Global Dashboard (a single web interface for treasury and cross-border payment management) and the Caliza API (RESTful programmatic access for developers). Built on these are foundational services including Digital Dollar Accounts, Multi-Currency Accounts, Stablecoin Wallets, and Cross-Border Payments that enable instant transfers across 40+ countries using USDC, SWIFT, ACH, Wire, RTP, Pix, SPEI, and other local payment rails. The platform powers specific use cases including Platform & Marketplace Payouts, Supply Chain Finance, Remittances, and International Payroll. Key features include FX Rate Locks, Account Sweeps, and KYC/KYB Verification. The platform integrates with Circle, Paxos, Fireblocks, HSBC, Banco Semear, Banco Dondé, and Fortress, and supports over 100 currencies with coverage across North America, Asia, South America, Europe, and Africa.
Differentiator
Problem solved
Functional benefit
Products and services
- Global Dashboard A single web interface to manage global treasury and cross-border payments, offering real-time FX rates, multi-currency account management, treasury operations, and real-time global settlement for global businesses.
- Caliza API RESTful API providing programmatic access to Caliza's payment infrastructure, including virtual account creation, beneficiary management, payment simulation and execution, currency exchange, FX rate locks, stablecoin/fiat deposits, account sweeps, internal transfers, KYC/KYB verification, and webhook-based event notifications. Supports Python, JavaScript, and Java SDKs with sandbox and production environments.
- Digital Dollar Accounts US-based named digital dollar accounts providing dedicated banking credentials for US ACH and wire transfers, enabling individuals and businesses to send and receive payments worldwide with automated KYC/AML validations using local documents.
- Multi-Currency Accounts Multi-currency business accounts with built-in FX, currency conversions, and global payment capabilities. Supports over 100 currencies and enables businesses to receive, hold, and pay in multiple currencies from a single unified platform.
- Stablecoin Wallet Multi-asset wallet allowing users to store, save, and transact between USD, stablecoins (USDC, USDT), and other global currencies. Supports both fiat-stablecoin conversions and direct stablecoin transfers on ETH and TRON blockchain networks.
- Cross-Border Payments Real-time international money transfer infrastructure enabling instant cross-border payments across 40+ countries using USDC stablecoins, SWIFT, ACH, Wire, RTP, Pix, SPEI, and other local payment rails, with same-day invoice and vendor payment settlement.
- Platform & Marketplace Payouts Solution enabling platforms and PSPs to send hundreds of global payouts with one API call, pay merchants, creators, or users in stablecoins or local currency, and offer compliant named USD accounts and multi-asset wallets.
- Supply Chain Finance USD-denominated invoice financing and multi-currency business accounts with embedded FX, conversions, and payments. Automates invoice payment collections and repayment waterfalls for import/export businesses.
- Remittances Instant 24/7 remittance solution enabling transfers to Mexico, Colombia, Argentina, and Brazil with USD named payment accounts for ACH and wire funding and FX margin capture opportunities for partners.
- International Payroll Instant global payout solution for paying teams in fiat or stablecoins via dashboard or API, with dollar accounts and stablecoin wallets for workers and freelancer payment capabilities via ACH and wire.
- USDG Stablecoin Support Added support for the USDG stablecoin from the Global Dollar Network, expanding the digital dollar assets available to Caliza's business customers alongside USDC and USDT.
Quantifiable outcome
- Most transactions settle within seconds to minutes
- +1 more outcomes
Companies that use Caliza
Customer profileNamed customers3 records
Segments6 records
Ideal customer profiles5 records
Caliza technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration9 records
AI capability2 records
Feature6 records
Caliza partnerships and signals
Strategic signalPartnerships
Eleven partnerships are on record, tiered strategic, minor and core.
- Mercado BitcoinstrategicPartnership to bridge stablecoins and global payments. Mercado Bitcoin is Latin America's largest cryptocurrency exchange, enabling Caliza to offer enhanced digital asset services to Brazilian users.
- LianLian GlobalstrategicPartnership to streamline corporate treasury flows between Brazil and China. LianLian Global provides global payment and treasury solutions for cross-border trade.
- Bridge49 Nearshoring Tech AllianceminorCaliza joined the Bridge49 nearshoring tech alliance, a coalition of companies facilitating nearshoring technology and business services between North and Latin America.
- SkydostrategicPartnership to power cross-border payments for India's global businesses. Skydo provides cross-border payment solutions for Indian companies.
- CirclecoreCircle is a trusted partner providing USDC stablecoin issuance and infrastructure. Listed as part of Caliza's trusted network of global partners.
- Banco SemearcoreBrazilian banking partner providing local regulatory oversight and fiat rails for Caliza's Brazil operations. Part of Caliza's trusted network of global partners.
- Banco DondécoreMexican banking partner for Caliza's Mexico operations. Provides local banking relationships and regulatory compliance for Mexican market.
- HSBCcoreGlobal banking partner providing international payment infrastructure and SWIFT connectivity for Caliza's cross-border operations.
- FortresscoreUS banking partner providing stablecoin custody and fiat rails for Caliza's US operations.
- PaxoscorePartner for stablecoin issuance and secure custody. Paxos is a regulated blockchain and stablecoin infrastructure platform.
- FireblockscorePartner for enterprise-grade crypto custody and blockchain infrastructure. Fireblocks provides secure wallet and transfer infrastructure.
Scale indicators4 records
Recent moves6 records
Expansion highlights6 records
Caliza competitors and assessment
Company assessmentBroad incumbents
- Stripe (with stablecoin capabilities): Global payments platform now offering stablecoin-based settlement (USDC payouts) and multi-currency accounts. Competes with Caliza for enterprise marketplace and platform payout use cases across LatAm and global corridors.
- Circle: USDC issuer and enterprise payments network (Circle Payments Network) targeting banks, PSPs, and corporates for cross-border settlement. Caliza already partners with Circle, but Circle's expanding enterprise rails are a direct competitive threat at the orchestration layer.
- Payoneer: Established cross-border B2B payments platform serving marketplaces, freelancers, and SMBs with multi-currency receiving accounts. Comparable to Caliza's marketplace payouts, international payroll, and SMB FX/multi-currency offerings.
- Wise: Global multi-currency account and cross-border payments incumbent serving both consumer and B2B segments across 70+ countries. Comparable to Caliza's multi-currency account and cross-border payment products but with substantially larger scale and brand.
- Ripple: Broad incumbent in cross-border payments using XRP and stablecoin rails (Ripple Payments/ODL) targeting banks and PSPs. Competes with Caliza in the same corridor-based B2B cross-border use cases, but at significantly larger scale and with established bank distribution.
Others
- Paxos: Regulated stablecoin issuer and enterprise blockchain infrastructure provider. While a current partner of Caliza, Paxos's issuance and BaaS capabilities place it as an adjacent infrastructure player whose moves could enable or disintermediate Caliza's orchestration layer.
Emerging players
- Flutterwave: Africa-focused cross-border payments and FX platform serving SMBs and enterprises. Comparable to Caliza's emerging-market cross-border value proposition and multi-currency/multi-rail architecture, though focused on different geography.
- Conduit: LatAm-focused stablecoin-powered B2B payments platform using USDC rails for cross-border payouts, with similar corridor focus to Caliza in Mexico and Brazil. Directly comparable emerging competitor with overlapping corridor strategy.
Direct peers
- dLocal: Public cross-border payments platform focused on emerging markets, particularly LatAm, Africa, and Asia. dLocal processes emerging-market pay-ins/pay-outs for global merchants — directly comparable to Caliza's import/export and marketplace payout use cases.
- Bitso: LatAm-focused crypto exchange and payments platform offering cross-border B2B transfers and USDC rails primarily across Mexico, Argentina, and Brazil. Highly comparable given shared geography, stablecoin-first architecture, and B2B cross-border positioning.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Caliza social profiles
Digital presenceCaliza compliance and trust
Trust signalCompliance4 records
Caliza financial estimates
Financial estimateRevenue estimate
Valuation estimate
Caliza leadership team
Management profileNumber of profiles
Profiles6 records
Caliza funding detail
Funding detailFunding overview
Funding rounds2 records
Investors16 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Caliza 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 Caliza
What does Caliza do?
Caliza provides compliant, real-time cross-border payments and USD account infrastructure for global businesses through a unified platform accessible via a Global Dashboard and a RESTful API. It combines stablecoin rails (USDC, USDT) with traditional payment rails (SWIFT, ACH, Wire, RTP, PIX, SPEI) to enable instant payouts, multi-currency treasury, FX management, and named digital dollar accounts across 40+ countries and 100+ currencies. The platform serves importers/exporters, PSPs, marketplaces, neobanks, remittance providers, payroll platforms, and integrators with built-in KYC/KYB, sanctions screening, and AI-powered transaction monitoring.
Is Caliza a public or private company?
Caliza is a private company. It is classified as venture growth investor backed and is currently operating.
When was Caliza founded?
Caliza was founded in 2021. It employs 1 to 10 people.
Where is Caliza based?
Caliza is headquartered in Miami, United States, in the North America region.
How does Caliza make money?
Three revenue lines are on record. FX Spread on Currency Conversions are the primary driver. The others are cross-Border Payment Transaction Fees and integrator Spread (Whitelabel/Partner Revenue).
Who are Caliza's main competitors?
Broad incumbents on record are Stripe (with stablecoin capabilities), Circle, Payoneer, Wise and Ripple. Paxos is listed as an others. Emerging players are Flutterwave and Conduit. Direct peers are dLocal and Bitso.
Does Caliza have an API?
Yes. Caliza offers a public REST API enabling developers to integrate cross-border payment capabilities including virtual account creation, beneficiary management, payment simulation and execution, currency exchange, FX rate locks, stablecoin and fiat deposits, account sweeps, internal transfers, and webhook-based event notifications. The API uses Bearer token authentication, supports both sandbox and production environments, and provides endpoints for KYC/KYB verification, document uploads, and transaction retrieval. SDKs and code examples are provided in Python, JavaScript, Java, and other languages. Developer documentation is at docs.caliza.com.
What industry is Caliza in?
Caliza's product category is Cross-Border Payments / Payment Orchestration. Its primary akta.pro industry code is BPAMAFAK, Cross-Border & FX Payments Platforms, with a secondary code of FSAGAKAF, Multi-Currency Accounts, Wallets & FX Management (Consumer/SME). Its NAICS code is 522320 and its SIC code is 6199.