What INXY Payments does

INXY Payments is a regulated crypto payment infrastructure provider founded in 2022 in Warsaw, Poland, that enables B2B clients to accept, send, and exchange cryptocurrencies and stablecoins while maintaining compliant fiat accounting. The company operates an API-first gateway targeting enterprise and mid-market customers across five primary verticals: affiliate and marketing networks, hosting and cloud providers, freelance platforms and payroll services, gaming, and fintech. INXY holds EU VASP registration in Poland (RDWW-596), Canadian MSB registration (M23375535), and MiCA-ready status, and explicitly excludes UK, US, and sanctioned jurisdictions from its service area.

The platform consists of three integrated core products: a High Conversion Payment Gateway that enables crypto/stablecoin acceptance via REST API with automatic conversion to stablecoins or fiat and next-business-day bank settlement; Automatic Mass Payouts allowing bulk disbursements via API or CSV files with on-the-fly fiat-to-crypto conversion; and an OTC Desk for crypto-to-crypto and crypto-to-fiat exchange with SEPA and SWIFT support. Underlying infrastructure uses a microservices architecture supporting 20+ cryptocurrencies across ERC20, TRC20, BEP20, Polygon, Tron, TON, DAI, Bitcoin, and Litecoin networks. A pre-integrated compliance stack combines Elliptic and Crystal (blockchain analytics), Sumsub (KYC/KYB), Notabene (Travel Rule), and Ledger (custody). INXY claims a 99.9% payment success rate versus 70-95% for card processors.

INXY's revenue model is primarily transaction-fee based at sub-1% with volume discounts and no setup or monthly fees, supplemented by a partner/affiliate program offering 10% recurring revenue share or $500-1,000 SQL bounties. The company reports processing $2B+ annually with 60,000+ monthly transactions, 500% year-over-year growth, and approximately 130% Net Revenue Retention. Distribution is multi-channel: API integration (with WHMCS plugin and white-label host-to-host option), a self-serve dashboard for mid-market clients, a partner/reseller program, and direct enterprise sales supported by active presence at 30+ global fintech and crypto conferences. Total disclosed venture funding is $7 million, both rounds led by Flashpoint ($3M in February 2025, $4M in April 2026). The team comprises 50+ professionals distributed across 18 countries, led by Founder & CEO Ruslan Zholik and Co-founder & CBDO Serge Kuznetsov.

Name

INXY Payments

Legal name

INXY PL Sp. z o.o.

Website

https://inxy.io

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

51–100 employees

Short description

INXY Payments is a regulated crypto payment infrastructure provider founded in 2022, offering B2B enterprises an API-first gateway to accept, send, and exchange cryptocurrencies and stablecoins with automated fiat settlement and integrated AML compliance across Europe, Asia, and LatAm.

Ownership category

akta.pro rank

Headquarters

HQ city

Warsaw

HQ country

Poland

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Transaction Fees: INXY charges a transparent transaction fee below 1%, significantly lower than traditional processors. No setup, monthly, or hidden fees. Reduced rates available for large volumes. This is the primary revenue stream.
2. Partner Program Revenue Share: Partners earn recurring revenue through revenue share model (10% of INXY net revenue for 12 months) or hybrid models combining SQL bounties with revenue share.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

INXY Payments provides a regulated crypto and stablecoin payment infrastructure platform that enables businesses to accept, send, and convert digital assets with compliant fiat accounting. Its offering centers on three core products—a High Conversion Payment Gateway for accepting crypto/stablecoin payments, Automatic Mass Payouts for bulk disbursements via API or CSV, and an OTC Multi-Currency Exchange desk—delivered through a REST API and unified compliance stack covering KYC, KYT, AML, and Travel Rule.

Product overview

INXY Payments is a regulated crypto payment infrastructure platform providing three integrated core products: a High Conversion Payment Gateway for accepting crypto/stablecoin payments, Automatic Mass Payouts for bulk disbursements, and OTC Conversions for crypto-to-fiat exchange. The platform operates via REST API integration, enabling businesses to accept digital currency payments while receiving automatic fiat settlements. All products share a unified compliance stack (EU VASP, Canadian MSB), shared KYB/KYT/AML screening, and centralized transaction reporting across the platform.

Differentiator

Problem solved

Functional benefit

Products and services

• High Conversion Payment Gateway API-based crypto and stablecoin payment gateway that lets businesses invoice in fiat while accepting crypto payments from customers, with automatic conversion to stablecoins or fiat and next-business-day bank settlement. Built for Web2 companies needing legal and accounting-friendly crypto acceptance.
• Automatic Mass Payouts Automated bulk payout product that processes hundreds or thousands of crypto and stablecoin payments via API or CSV, with on-the-fly conversion from fiat balance, team permissioning, comprehensive transaction history, and detailed reporting. Designed for paying suppliers, affiliates, employees, and customers globally.
• OTC Conversions / Multi-Currency Exchange Over-the-counter desk for converting between cryptocurrencies and fiat (EUR and USD), with competitive rates and direct SEPA and SWIFT bank transfers, plus transparent withdrawals to supported e-wallets and bank accounts.
• Crypto Payout API REST API enabling developers to integrate crypto and stablecoin acceptance and payouts into checkout flows, platforms, and applications, with webhooks, on-the-fly fiat-to-crypto conversion, and CSV-based mass payout support. Documented via Postman.
• Stablecoin Settlement Infrastructure Compliant stablecoin settlement rails that enable businesses to accept crypto and settle funds in EUR or USD in their bank accounts the next business day, with automatic conversion to stablecoins or fiat to minimize volatility risk and full reporting for accounting and audit.

Quantifiable outcome

• Up to 70% savings on processing fees compared to traditional banks
• +6 more outcomes

Named customers5 records

Segments5 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability2 records

Feature7 records

Partnerships

Six partnerships are on record, tiered core and supporting.

• Crystal (Blockchain Intelligence)coreTechnology or IntegrationAML and blockchain analytics partner providing transaction monitoring and risk assessment capabilities for compliance and fraud prevention.
• EllipticcoreTechnology or IntegrationBlockchain analytics partner for AML compliance, sanctions screening, and transaction monitoring. Part of INXY's compliance-first architecture.
• LedgersupportingTechnology or IntegrationHardware wallet and security partner providing cold storage and transaction signing capabilities for secure crypto operations.
• SumsubcoreTechnology or IntegrationKYC/KYB identity verification partner enabling compliant customer onboarding and verification processes as part of regulatory requirements.
• The Point LegalsupportingStrategic or Co-development PartnerLegal advisory partner specializing in Web3, fintech, and blockchain regulation. Provides expertise on MiCA compliance, AML requirements, and regulatory frameworks for crypto payments.
• NotabenesupportingTechnology or IntegrationTravel Rule compliance solution partner enabling secure exchange of originator/beneficiary data for crypto transfers as required by AML regulations.

Scale indicators8 records

Recent moves7 records

Expansion highlights7 records

Direct peers

• Alchemy Pay: Alchemy Pay operates a crypto-fiat payment gateway and on/off-ramp network spanning multiple jurisdictions, comparable to INXY's payment gateway and stablecoin settlement positioning.
• BitPay: BitPay is one of the longest-standing crypto payment gateways, providing merchant checkout, payouts, and crypto-to-fiat settlement — overlapping directly with INXY's payment gateway and OTC desk offerings.
• TransFi: TransFi provides cross-border payments and crypto on/off-ramp infrastructure for businesses, directly comparable to INXY's mass payouts and OTC/exchange products targeting global B2B settlement.
• Triple-A: Triple-A is a regulated crypto payment gateway licensed in multiple jurisdictions (including EU), offering merchant acceptance and payouts in crypto — directly comparable to INXY's regulated B2B crypto payment infrastructure.
• CoinsPaid: CoinsPaid offers crypto payment processing, mass payouts, and OTC services with strong iGaming and affiliate vertical exposure — directly comparable to INXY's product mix and target customer base.
• NOWPayments: NOWPayments is a crypto payment gateway offering merchant acceptance and mass payouts across 200+ cryptocurrencies, directly comparable to INXY's gateway and payout products and serving the same B2B use cases.

Broad incumbents

• PayPal (crypto and PYUSD): PayPal offers crypto buying/selling, merchant checkout with crypto, and the PYUSD stablecoin — a broad incumbent whose moves into B2B stablecoin payments could overlap with INXY's value proposition.
• Coinbase Commerce: Coinbase Commerce is Coinbase's merchant crypto payment product, offering checkout and settlement across major cryptocurrencies. It competes broadly with INXY but is part of Coinbase's much larger exchange and custody portfolio.
• Stripe (crypto/stablecoin initiatives): Stripe has been expanding into stablecoin acceptance and crypto on-ramps via acquisitions like Bridge; as a broad incumbent in global payments, it represents an emerging competitive threat to INXY's gateway product.

Emerging players

• BTCPay Server: BTCPay Server is an open-source, self-hosted crypto payment processor popular with merchants seeking lower fees and custody control — an emerging alternative to INXY for technically sophisticated B2B users.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• GitHubgithub.com/inxy-payments
• Xx.com/inxy_io
• LinkedInlinkedin.com/company/inxy-io

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds2 records

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 INXY Payments