Interlace
- Company typePrivate
- Founded2019
- HeadquartersSingapore, Singapore
- Headcount101–250
- GTM typeB2B
- OfferingSoftware
Interlace firmographics
Firmographics- Name
- Interlace
- Legal name
- Qbitech
- Website
- https://interlace.money
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Ownership category
- akta.pro rank
Interlace industry classification
Industry- Product category
- Banking-as-a-Service / Card Issuing Infrastructure
- NAICS
- Credit Card Issuing (522210), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Crypto Card Issuing & Card Programs (Debit/Credit/Prepaid) (FSADAIAC)
- akta.pro secondary industries
- Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG), Cross-Border & FX Payments Platforms (BPAMAFAK), Cross-Border Card-Based Transfers & Multi-Currency Cards (FSAGAKAE)
Keywords
Where Interlace is headquartered
LocationHeadquarters
- HQ city
- Singapore
- HQ country
- Singapore
- HQ region
- Asia
Offices3 records
Markets served
Interlace business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure, Supply Chain
Revenue model
- Card Issuing & Transaction Fees: Revenue from card issuance (virtual and physical corporate cards) and per-transaction fees on card payments, cross-border transfers, and crypto spending through branded card programs.
- Foreign Exchange (FX) Spread: Revenue generated from currency exchange spreads on multi-currency transactions (USD, EUR, GBP, HKD, and 40+ currencies) executed through business accounts.
- BaaS/CaaS API Subscriptions: Subscription and API access fees for Banking-as-a-Service and Card-as-a-Service infrastructure, allowing platforms and enterprises to embed Interlace's financial rails and issue branded cards via API.
- Yield Treasury Management: Yield generated on customer USD/USDC deposits placed with regulated financial institutions; Interlace earns spread on treasury yields.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Pay-as-you-go | Yield Treasury – USD/USDC yield account |
| Subscription | Monthly | Business Account – Multi-currency account infrastructure |
| Hybrid | Monthly | Enterprise volume tiers |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels6 records
Interlace product offering
Product offeringCore offering
Interlace provides Banking-as-a-Service and Card-as-a-Service infrastructure through an open RESTful API that lets businesses issue branded virtual and physical corporate cards across 30+ Visa and Mastercard BINs in 14 days. The platform combines multi-currency business accounts in 40+ currencies, crypto on/off-ramp services for BTC/ETH/USDC/USDT, white-label crypto card programs, yield-bearing treasury accounts, and Agentic Payment infrastructure for AI-driven commerce. It serves 12,000+ businesses across 180+ countries and is licensed as an MSB in the US and Canada and TCSP in Hong Kong.
Product overview
Interlace is a global stablecoin infrastructure and Agentic Payment platform providing a comprehensive suite of financial products. The platform operates as a unified ecosystem combining: (1) core banking products (Business Accounts for multi-currency operations in 180+ countries, CryptoConnect for crypto wallet and on/off ramp services); (2) card solutions (Infinity Cards for corporate virtual/physical cards supporting fiat and crypto, Infinity Launch for white-label card programs, and Agent Card for AI agents); (3) API-based infrastructure (CaaS for card issuing APIs with 30+ BINs and 14-day integration, BaaS for open banking APIs connecting SWIFT/SEPA/ACH/blockchain); and (4) treasury services (Yield Treasury offering 5%+ yield on USD/USDC). The platform serves industries including fintech, freelance economy, expense management, advertising, gaming, and Web3, with financial licenses in the United States, Hong Kong, and Canada.
Differentiator
Problem solved
Functional benefit
Products and services
- Business Accounts Multi-currency business account platform enabling companies to open bank accounts in USD, EUR, GBP, HKD, and 40+ other currencies. Supports global payments, batch transactions, and real-time FX exchange with FDIC insurance up to $250,000.
- CryptoConnect Crypto wallet and on/off ramp service enabling seamless exchange and spending of BTC, ETH, USDC, USDT. Provides fiat-to-crypto and crypto-to-fiat conversion with transparent pricing and no hidden fees.
- Infinity Cards Virtual and physical corporate card solution supporting both fiat and cryptocurrency spending. Features real-time expense tracking, customizable spending limits, and global acceptance via Visa and Mastercard networks across 180+ countries.
- Infinity Launch White-label card issuing platform allowing businesses to build, issue, and scale branded crypto card programs. Enables custom branding, integrated compliance, and go-to-market in days rather than months.
- Yield Treasury Treasury management solution offering over 5% yield on USD and USDC holdings. Features flexible terms with no lockup periods, daily yield settlement, and FDIC-insured deposits with $100 minimum investment.
- CaaS (Card as a Service) Card issuing API enabling rapid integration for virtual and physical card issuance. Features 30+ global BIN options, KYC/AML compliance built-in, and integration timeline of 14 days with developer-friendly documentation.
- BaaS (Banking as a Service) Open API banking infrastructure providing multi-currency accounts, currency exchange, and international payments. Connects to SWIFT, SEPA, ACH, and blockchain wallets with programmable bulk payments and smart retry capabilities.
- Agent Card Payment card designed specifically for AI agents, enabling autonomous financial transactions with controlled spending parameters. Part of Interlace's Agentic Payment infrastructure for the AI economy.
- Scan to Pay Stablecoin QR code payment solution for enabling seamless stablecoin transactions at merchants. Part of 2026 product expansion into AI payment and stablecoin consumption scenarios.
Companies that use Interlace
Customer profileNamed customers9 records
Segments7 records
Ideal customer profiles5 records
Interlace technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration7 records
AI capability4 records
Feature6 records
Interlace partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core and minor.
- CregiscoreCregis and Interlace announced a strategic partnership to build an integrated digital asset operating stack for enterprises worldwide. The collaboration combines Cregis's enterprise digital asset management capabilities with Interlace's payment infrastructure to advance institutional blockchain finance. Both companies participated in the Institutional Payment & On-Chain Financial Infrastructure Summit at Consensus Hong Kong 2026.
- EchobitminorInterlace participated in an Echobit-hosted AMA (Ask Me Anything) alongside Zero Space, X-Agent, and Staynex. Panelists discussed real-world AI and crypto applications, investment opportunities, and Web3 usability challenges. Security was identified as the sector's biggest challenge.
- CobocoreCobo partnered with Interlace to strengthen stablecoin payment infrastructure security and explore the future of Agentic Payments. The partnership focuses on collaborative development of secure and controllable AI agent payment infrastructure. Interlace's Agent Card product was highlighted as part of the joint effort to enable safe AI financial operations.
Scale indicators11 records
Recent moves6 records
Expansion highlights6 records
Interlace competitors and assessment
Company assessmentDirect peers
- BVNK: BVNK is a stablecoin and fiat payment infrastructure provider for enterprises, including card issuing and cross-border payouts. It competes head-on with Interlace's BaaS and stablecoin corporate-card rails.
- Nium: Nium is a global multi-currency payments and BaaS platform offering multi-currency accounts, FX, and card issuing via API. It directly parallels Interlace's Business Accounts, FX, and BaaS offerings for enterprise clients.
- BitPay: BitPay is a long-standing crypto payments processor offering crypto cards, invoicing, and merchant settlement. It is comparable to Interlace on crypto-to-fiat conversion and card issuing, though it skews more merchant than BaaS.
- Wirex: Wirex is a crypto card and multi-currency payments provider with both consumer and B2B/API offerings. It overlaps with Interlace on crypto-linked cards, multi-currency accounts, and developer APIs.
- Banking Circle: Banking Circle is a licensed payments bank offering multi-currency accounts, FX, and B2B payment infrastructure. It is comparable to Interlace's Business Accounts and cross-border BaaS rails, particularly for regulated European clients.
- Bridge: Bridge is a stablecoin payment and card-issuing API platform acquired by Stripe. It is the closest direct comparable to Interlace, offering stablecoin on/off-ramps, card issuing, and BaaS for crypto-native platforms.
- Rain: Rain is a crypto-backed card issuing and payments platform serving exchanges, wallets, and fintechs. It directly competes with Interlace's Infinity Cards and white-label CaaS offering.
Broad incumbents
- Galileo Financial Technologies: Galileo (a SoFi company) provides card issuing, payment processing, and digital banking infrastructure to fintechs. It overlaps with Interlace's BaaS/CaaS APIs at the processing layer, though it is a broader incumbent without a crypto focus.
- Marqeta: Marqeta is a public, large-scale card-issuing and processing platform serving fintechs and corporates. It is comparable to Interlace on CaaS infrastructure and developer-first card APIs, but operates as a broader incumbent without crypto specialization.
- Crypto.com: Crypto.com is a major crypto exchange that operates a Visa card program and merchant payments infrastructure. It is comparable to Interlace on crypto-linked card issuing and stablecoin utility, but at a vastly larger and broader incumbent scale.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Interlace social profiles
Digital presenceInterlace compliance and trust
Trust signalCompliance7 records
Interlace financial estimates
Financial estimateRevenue estimate
Valuation estimate
Interlace leadership team
Management profileNumber of profiles
Profiles1 record
Interlace funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Interlace 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 Interlace
What does Interlace do?
Interlace provides Banking-as-a-Service and Card-as-a-Service infrastructure through an open RESTful API that lets businesses issue branded virtual and physical corporate cards across 30+ Visa and Mastercard BINs in 14 days. The platform combines multi-currency business accounts in 40+ currencies, crypto on/off-ramp services for BTC/ETH/USDC/USDT, white-label crypto card programs, yield-bearing treasury accounts, and Agentic Payment infrastructure for AI-driven commerce. It serves 12,000+ businesses across 180+ countries and is licensed as an MSB in the US and Canada and TCSP in Hong Kong.
Is Interlace a public or private company?
Interlace is a private company. It is classified as venture growth investor backed and is currently operating.
When was Interlace founded?
Interlace was founded in 2019. It employs 101 to 250 people.
Where is Interlace based?
Interlace is headquartered in Singapore, Singapore, in the Asia region.
How does Interlace make money?
Four revenue lines are on record. Card Issuing & Transaction Fees are the primary driver. The others are foreign Exchange (FX) Spread, baaS/CaaS API Subscriptions and yield Treasury Management.
Who are Interlace's main competitors?
Direct peers on record are BVNK, Nium, BitPay, Wirex, Banking Circle, Bridge and Rain. Broad incumbents are Galileo Financial Technologies, Marqeta and Crypto.com.
Does Interlace have an API?
Yes. Interlace offers a developer-friendly RESTful API enabling businesses to launch card programs, issue virtual and physical cards, manage crypto wallets, and process payments. The API provides endpoints for card issuance, transaction management, KYC/AML compliance, and fiat/crypto operations. Key features include: RESTful architecture with well-structured endpoints and version control; dedicated sandbox environment for testing; integration achievable within 14 days according to documentation; KYC/KYB and AML monitoring built-in; 30+ BIN options accessible via API; and optional crypto rails and wallet integration. Developer documentation is at developer.interlace.money.
What industry is Interlace in?
Interlace's product category is Banking-as-a-Service / Card Issuing Infrastructure. Its primary akta.pro industry code is FSADAIAC, Crypto Card Issuing & Card Programs (Debit/Credit/Prepaid), with a secondary code of FSAMAIAG, Multi-Currency Accounts, Wallets & IBAN Services. Its NAICS code is 522210 and its SIC code is 6199.