Interlace

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

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

• Card issuing infrastructure
• Banking-as-a-service
• Stablecoin payments
• Multi-currency business accounts
• White-label crypto cards

Headquarters

HQ city

Singapore

HQ country

Singapore

HQ region

Asia

Offices3 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. 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.
2. 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.
3. 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.
4. Yield Treasury Management: Yield generated on customer USD/USDC deposits placed with regulated financial institutions; Interlace earns spread on treasury yields.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core 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.

Named customers9 records

Segments7 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

AI capability4 records

Feature6 records

Partnerships

Three partnerships are on record, tiered core and minor.

• CregiscoreStrategic or Co-development Partner · 5 June 2026Cregis 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.
• EchobitminorOthers · 4 June 2026Interlace 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.
• CobocoreStrategic or Co-development Partner · 20 May 2026Cobo 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

Direct 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

• Xx.com/InterlaceMoney
• YouTubeyoutube.com/@InterlaceMoneySG
• LinkedInlinkedin.com/company/interlace-money

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds1 record

Investors1 record

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 Interlace