What Cybrid does

Cybrid is a Toronto-based fintech founded in 2021 that operates an API-first payments orchestration platform connecting stablecoin and fiat rails (ACH, Wire, RTP, EFT, Interac, USDC, USDT, Bitcoin, Lightning) through a unified interface. The platform is purpose-built for financial institutions, remittance providers, B2B payment companies, and fintechs that need compliant global money movement without building backend infrastructure. Core products include Payments Orchestration, Compliance & Identity (KYC/KYB/AML with wallet screening), Liquidity/Settlement/Treasury Tools, and FBO/Named Accounts, deployed under either Managed Payments (Cybrid-operated infrastructure) or Self-Managed Payments (BYO-stack, orchestration-only) models.

The technology stack integrates tier-1 partners (Persona, Plaid, Chainalysis, Sardine, Strike, Aquanow, Circle) and is delivered through a REST API with sandbox and production environments, OAuth 2.0 authentication, and webhooks. Cybrid is registered as a Money Services Business with FINTRAC (Canada) and FinCEN (US), holds an Ontario Securities Commission registration (effective January 28, 2025), and a Florida MSB registration, providing full North American licensing coverage. Reported performance metrics include ~2-minute cross-border settlement, 35% average cost reduction, 99.98% platform uptime, and operations in 150+ countries.

The business model combines transaction fees (basis points per trade), tiered subscription/usage pricing, and freemium sandbox access with enterprise quote-based contracts. Go-to-market is dual-motion: self-serve API/SDK for developers and field sales targeting banks and enterprises. Cybrid has raised approximately $13 million USD across a 2022 seed round and an October 2025 Series A led by BDC Capital's Growth Venture Fund, with reported 5x year-over-year growth leading into the Series A.

Name

Cybrid

Legal name

Cybrid Technology Inc.

Website

https://cybrid.xyz

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

11–50 employees

Short description

Cybrid is a Toronto-based fintech that provides an API-first payments orchestration platform connecting stablecoin and fiat rails for banks, remittance providers, fintechs, and B2B payment companies, with built-in compliance and multi-jurisdictional licensing.

Ownership category

akta.pro rank

Product category

Cross-Border Payment Infrastructure

NAICS

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

SIC

Security & Commodity Brokers, Dealers, Exchanges & Services (6200)

akta.pro primary industry

On-Chain Payments & Stablecoin Infrastructure (Issuance, Rails, Treasury) (FSAGAMAD)

akta.pro secondary industries

Stablecoin Payment Rails & Settlement Networks (Issuer-Led) (FSADADAF), Crypto Payments & Stablecoin Settlement Platforms (BPAMAFAL), On/Off-Ramps & Fiat Liquidity Providers for Stablecoins (FSADADAG), Deployment, Automation & DevOps (build pipelines, contract deployment tools) (FSAPABAH)

Keywords

• Stablecoin payment infrastructure
• Cross-border payments API
• Payment orchestration platform
• Crypto banking services
• Compliance identity verification

Headquarters

HQ city

Toronto

HQ country

Canada

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Trading/Transaction Fees: BPS (basis points) based trading fees applied per trade transaction. Fee amount determined by contract terms with each partner.
2. Platform/Subscription Fees: Tiered pricing structure accommodating businesses of all sizes from startups to large enterprises. Usage-based tiers determine cost.
3. API Access and SDK Fees: Free sandbox environment for development and testing. Production API access likely billed through enterprise agreements.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels7 records

Core offering

Cybrid is an API-first payment orchestration platform that connects stablecoin and fiat payment rails (ACH, Wire, RTP, EFT, Interac, USDC, USDT, Bitcoin, Lightning) through a unified API. It provides integrated KYC/KYB/AML compliance, stablecoin liquidity, custody, and For Benefit Of (FBO) account infrastructure so fintechs, banks, remittance providers, and enterprises can launch stablecoin-powered payment flows across 150+ countries with compliance and licensing built in.

Product overview

Cybrid is an intelligent payments orchestration platform that connects stablecoin and fiat rails, enabling global money movement with compliance built in. The platform operates as a modular architecture with four core products: Payments Orchestration (for moving funds across ACH, Wire, RTP, EFT, Interac, and stablecoin rails), Compliance & Identity (for KYC/KYB/AML verification), Liquidity, Settlement & Treasury Tools (for stablecoin liquidity and custody), and Accounts (for FBO and named accounts). Solutions include Cross-Border Remittance, B2B Payments, and Bank/Financial Institution offerings. The platform supports two deployment models: Managed Payments (Cybrid handles infrastructure) and Self-Managed Payments (partners bring their own stack). Additional offerings include a B2B Payments App for workspace-based payment management and a Learn Academy for developer education. The company provides developer-first APIs with sandbox-to-production workflows, SOC 2-ready infrastructure, and licensing coverage across North America (FINTRAC MSB in Canada, FinCEN MSB in the U.S., and OSC registration in Ontario).

Differentiator

Problem solved

Functional benefit

Products and services

• Payments Orchestration Global, automated payments orchestration enabling seamless movement between ACH, Wire, RTP, EFT, Interac, and stablecoin rails (USDC, USDT, Bitcoin, Lightning) through one unified API. Built for fintechs, banks, remittance providers, and B2B payments companies.
• Compliance & Identity Integrated KYC, KYB, AML, and transaction monitoring with wallet screening through trusted partners. Provides full North American licensing coverage for compliance-ready onboarding of customers and businesses.
• Liquidity, Settlement & Treasury Tools Access to stablecoin liquidity from multiple providers, with pre-funded payouts, cold and hot custody options, and real-time ledgering capabilities for treasury management.
• Accounts (FBO and Named Accounts) For Benefit Of (FBO) and named accounts connecting to ACH/EFT in the U.S. and Canada, enabling domestic RTP, wires, and named payments.
• Cross-Border Remittance Solution Instant conversion and lower-cost remittance flows powered by stablecoin infrastructure with licensed rails in all 50 U.S. states, supporting payouts to over 150 countries for global remittance apps and cross-border payment providers.
• B2B Payments Solution Automation of supplier payouts, treasury operations, and vendor disbursements using stablecoin and fiat orchestration for B2B payments enterprises.
• Banks and Financial Institutions Solution Modernization of legacy payment rails with embedded stablecoin infrastructure and transparent regulatory coverage for traditional banks and neobanks.
• B2B Payments App A workspace-based application for managing B2B payments, providing features for accounts and conversions, contact management, payments execution, and transaction tracking with support for multiple payout corridors.

Quantifiable outcome

• Cross-border payment costs reduced by average 35%
• +4 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature7 records

Partnerships

Seven partnerships are on record, tiered core and supporting.

• PersonacoreTechnology or IntegrationIdentity verification provider used for KYC and KYB flows. Drives identity verification through SDK including document capture, selfie checks, and compliance screening.
• PlaidcoreTechnology or IntegrationBank connection service used to link customer bank accounts. Enables secure bank account linking, balance verification, and fund transfers via ACH or EFT.
• ChainalysiscoreTechnology or IntegrationBlockchain analytics and compliance partner providing wallet screening and transaction monitoring for AML compliance.
• SardinecoreTechnology or IntegrationFraud prevention and risk screening partner integrated into the compliance workflow for transaction monitoring.
• StrikesupportingTechnology or IntegrationPayment rail partner for processing certain payment types within the orchestration platform.
• AquanowsupportingTechnology or IntegrationLiquidity provider for stablecoin operations, enabling access to stablecoin liquidity from multiple providers.
• CirclesupportingTechnology or IntegrationUSDC issuer and blockchain infrastructure provider. Cybrid platform supports USDC across multiple blockchain networks including Ethereum, Solana, and Polygon.

Scale indicators8 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• MoonPay: Crypto payments and on/off-ramp API provider for buying, selling, and transacting with stablecoins and other digital assets. Overlaps on the developer-first fiat-to-stablecoin onboarding flow that Cybrid targets.
• Bridge: Stablecoin-focused API infrastructure that lets businesses move and store stablecoins via unified APIs. Closest direct peer to Cybrid's orchestration/issuance-style platform, providing competing rails targeting banks, fintechs, and fintech builders.
• BVNK: Payments orchestration and stablecoin infrastructure platform serving merchants, payment service providers, and banks to enable cross-border and B2B payouts. Directly comparable in product scope (multi-rail orchestration, settlement, treasury).
• Zero Hash: Embedded crypto and stablecoin infrastructure platform providing APIs for compliance, custody, and on/off-ramps to fintechs and banks. Targets the same developer-first, regulated-rails buyer profile as Cybrid.
• Fireblocks: Institutional digital asset infrastructure providing custody, transfer, settlement, and tokenization APIs. Adjacent-to-direct competitor for the bank and fintech treasury/custody/transfer use cases that Cybrid also addresses.
• BitPay: Established crypto payments processor focused on merchant and B2B stablecoin/Bitcoin acceptance and payouts. Comparable orchestration of fiat-to-crypto rails and cross-border payouts for enterprises.

Broad incumbents

• Coinbase Commerce / Coinbase Business: Coinbase's merchant and developer payments services provide stablecoin acceptance, payouts, and conversion via APIs at far greater scale. Represents a powerful broad-incumbent competitor with deep liquidity and licenses.
• Stripe (Crypto / Bridge): Stripe's acquisitions of Bridge (stablecoin infrastructure) and integration of USDC payouts position it as a dominant broad incumbent in the same cross-border and developer-first stablecoin payment orchestration category as Cybrid.
• Ripple (Ripple Payments / RLUSD): Ripple provides enterprise-grade cross-border payment rails and has launched its own stablecoin (RLUSD). Overlaps with Cybrid on cross-border B2B and remittance corridors targeting banks and financial institutions.

Others

• Circle (Issuer): USDC issuer and infrastructure platform. Not a direct competitor (Cybrid is a partner/aggregator), but a critical ecosystem player whose rails power much of Cybrid's stablecoin capability — included as an adjacent infrastructure provider shaping the space.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• GitHubgithub.com/Cybrid-app

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds2 records

Investors5 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 Cybrid