Unlimit

What Unlimit does

Unlimit is a London-headquartered global fintech founded in 2009 that operates a proprietary cross-border payments infrastructure spanning 200+ locations, 150+ currencies, and 1000+ payment methods, with 93 licensed regions and a reported $100B+ in cumulative transaction volume across 50,000+ merchant customers. The company's core technology stack combines direct acquiring licenses, tokenization (Mastercard and Visa TSP certified), regional payment rail integrations (UPI, M-Pesa, SEPA, SWIFT, ACH), and a unified single-API programmable layer that consolidates fragmented payment landscapes. Its regulatory footprint is materially deeper than typical payment facilitators, anchored by FCA authorization in the UK, CySEC crypto-asset registration in Cyprus, RBI Payment Aggregator Cross-Border licensing in India, and PCI DSS Level 1 certification.

The product portfolio is organized around four pillars: Unlimit Payment Processing (merchant acceptance and payouts), Unlimit Accounts (multi-currency IBAN business accounts, virtual and physical cards, spend management), Unlimit BaaS (white-label card issuing deployable in under 90 days via configurable API), and Unlimit Crypto (fiat on/off-ramp for DeFi, GameFi, and NFTs, complemented by the Stable.com non-custodial stablecoin clearing house). Revenue is generated primarily through transaction-based processing fees, with additional streams from BaaS platform and licensing fees, FX margins on multi-currency accounts, and crypto transaction fees. The company employs a hybrid go-to-market combining direct enterprise sales, self-serve API/developer onboarding, and vertical-specific channel partnerships across eCommerce, gaming, travel and hospitality, subscription services, transportation, and entertainment.

The operating model is decentralized across regional entities (Unlimit UK Ltd, Unlimit Crypto Ltd in Cyprus, Unlimint TZ Ltd in Tanzania) with offices in London, Belgrade (R&D), Hong Kong (APAC HQ), Cyprus, and Dar es Salaam. Recent strategic emphasis has been on India market deepening, APAC expansion under new regional leadership, gaming vertical consolidation through the CYGMA partnership, and capability building via a Belgrade-based AI/ML and platform architecture R&D center. The company is privately held with no disclosed venture funding rounds or parent company in the input data.

Name

Unlimit

Legal name

Unlimit Crypto Ltd

Website

https://unlimit.com

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Unlimit is a London-founded global fintech that provides cross-border payment processing, multi-currency business accounts, white-label Banking-as-a-Service, and crypto on/off-ramp infrastructure to 50,000+ merchants across eCommerce, gaming, travel, and digital assets in 200+ locations.

Ownership category

akta.pro rank

Product category

Global Payment Infrastructure

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Credit Card Issuing (522210)

SIC

Finance Services (6199), Security & Commodity Brokers, Dealers, Exchanges & Services (6200)

akta.pro primary industry

Integrated Payment Processors (PSP/Acquirer) (FSAMABAA)

akta.pro secondary industries

Merchant-of-Record (MoR) & Payment Facilitation (PayFac) Infrastructure (FSAGABAE), ACH/Bank Transfer & Open Banking Payments (MPAEALAC), On/Off-Ramp Providers (Fiat↔Crypto) & Cash-In/Cash-Out Networks (FSADAIAE), Virtual Prepaid & Single-Use / Tokenized Cards (FSAMANAJ)

Keywords

• Global payment processing
• Banking as a service
• Cross-border payments
• Multi-currency business accounts
• White-label card issuing

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices5 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Payment Processing Services: Transaction-based fees for processing payments across 1000+ payment methods globally. Revenue generated from merchant transaction fees with competitive rates tailored for international game studios and cross-border commerce.
2. Banking as a Service (BaaS): White-label card issuing and BaaS API platform services with configurable single-stack API. Revenue from platform fees and transaction processing for co-branded physical and virtual cards.
3. Multi-currency Account Services: Business account services with multicurrency IBAN accounts, FX conversion, and international transfer services (SEPA, SWIFT, ACH). Revenue from FX margins and transfer fees.
4. Crypto On/Off-ramp Services: Fiat on and off-ramp services for cryptocurrency including NFT marketplaces and GameFi platforms. Revenue from transaction fees on crypto-to-fiat conversions.
5. White-label Crypto Card Solutions: Infrastructure solutions enabling tech startups, exchanges, neobanks, and Web3 projects to issue branded physical and virtual cards integrated with major payment networks. Revenue from licensing and processing fees.
6. Stablecoin Clearing House: Non-custodial stablecoin swap platform with gasless conversions and global local currency off-ramps leveraging Unlimit's fintech infrastructure.

Pricing tiers

Go-to-market motion4 records

Distribution channels4 records

Marketing channels5 records

Core offering

Unlimit operates a global proprietary payments infrastructure that enables businesses to accept payments in 150+ currencies across 200+ locations using 1000+ payment methods, eliminating intermediaries through its own network of 93 regulatory licenses. Its portfolio spans payment processing, multi-currency business accounts with cards, a Banking-as-a-Service API platform for white-label card issuing, and crypto fiat on/off-ramp services (including the Stable.com stablecoin clearing house), targeted at eCommerce, gaming, travel, subscription, transportation, and entertainment merchants worldwide.

Product overview

Unlimit is a global financial infrastructure company offering a comprehensive suite of interconnected payment products. The portfolio consists of four core offerings: Unlimit Payment Processing (payment acceptance across 1000+ methods globally), Unlimit Accounts (multi-currency business accounts with spend management), Unlimit BaaS (white label card issuing API platform), and Unlimit Crypto (fiat on/off-ramp for DeFi, NFTs, and gaming). These are supplemented by Stable.com (decentralized stablecoin clearing house), specialized sub-products for payouts and payment methods, and module add-ons including white label card issuing, spend management, and NFT/GameFi services. The platform serves eCommerce, gaming, travel, subscription services, transportation, and entertainment industries across LATAM, APAC, Africa, Europe/UK, and India.

Differentiator

Problem solved

Functional benefit

Brands

• Stable.com: Non-custodial stablecoin platform for gasless, zero-commission stablecoin swaps with global local currency off-ramps.

Products and services

• Unlimit Payment Processing Global payment processing platform enabling merchants to accept payments anywhere by accessing over 1000+ payment methods across 200+ locations in 150+ currencies, eliminating payment complexities through local licenses and alternative payment methods.
• Unlimit Accounts Multi-currency business account platform providing borderless payments, global and local currency accounts, virtual and physical cards, spend management, and integrations with accounting software (Quickbooks, Xero, Osome). Supports SWIFT, SEPA Instant, and ACH transfers.
• Unlimit Banking as a Service (BaaS) Configurable API platform for white label card issuing and payment rails. Allows design, launch, and distribution of co-branded physical and virtual cards in less than 90 days with single contract and stackable API.
• Unlimit Crypto Fiat on and off-ramp solution for DeFi, GameFi, and NFTs enabling users to trade using global currencies through e-wallets, QR codes, cash, and instant bank transfers. Includes NFTs, GameFi, and Off-ramp services with customisable interfaces.
• Stable.com Decentralized stablecoin clearing house enabling non-custodial stablecoin swaps with gasless conversions and zero-commission trades. Provides direct off-ramps to over 150 local currencies leveraging Unlimit's global payments infrastructure.
• Unlimit Payouts Payment payout services enabling businesses to send payments to customers, employees, or contractors globally with support for multiple currencies and payment methods.
• Unlimit Payment Methods Portfolio of over 1000+ payment methods including digital wallets, mobile payments, cash, cards, and bank transfers spanning Africa, APAC, LATAM, EU, and India regions.

Quantifiable outcome

• 100B+ transaction volume processed globally
• +2 more outcomes

Named customers3 records

Segments6 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration20 records

AI capability4 records

Feature9 records

Partnerships

Five partnerships are on record, tiered core and strategic.

• BrevistaycoreStrategic or Co-development Partner · 30 April 2026Unlimit partnered with Brevistay to provide payment infrastructure for India's micro-stay hotel booking platform. The partnership enables Breivistay to access UPI and global card networks through Unlimit's unified programmable layer, eliminating fragmentation in India's payment landscape. Unlimit's regulatory depth and global license portfolio support Breivistay's expansion domestically and internationally.
• CYGMA (Cyprus Game Makers Association)coreStrategic or Co-development Partner · 16 March 2026Unlimit named Strategic Global Fintech Partner for CYGMA, providing the organization's members with dedicated global payment infrastructure and fintech support. CYGMA represents Cyprus' gaming sector comprising over 300 game studios generating approximately $1.6 billion in annual revenue. CYGMA members receive exclusive benefits including industry-specific payment solutions, dedicated account management, fast online onboarding, and competitive fees tailored for international game studios.
• Major Payment Networks (Visa, Mastercard, UnionPay, JCB, American Express)coreTechnology or Integration · 12 December 2025Unlimit is a member of major payment card associations including Visa, Mastercard, UnionPay, JCB, and American Express. The company obtained Token Service Provider certification from Mastercard and Visa in India, enhancing secure digital payment services at scale.
• ShipAfricastrategicStrategic or Co-development Partner · 25 November 2025Unlimit partnered with ShipAfrica to enhance cross-border commerce and expand payment access across Africa. The partnership aims to strengthen payment solutions and facilitate international trade within the region.
• ApplecoreTechnology or Integration · 28 October 2025Unlimit offers Apple Pay as a payment method for disbursements. Integration allows retail customers to transfer fiat funds to Apple Pay cards, providing a seamless and secure way for users to access funds after converting cryptocurrency holdings back into traditional currency.

Scale indicators9 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• dLocal: dLocal is a cross-border payment processor focused on emerging markets (LATAM, Africa, APAC), enabling global merchants to accept local payment methods — directly comparable to Unlimit's proprietary licensing-led emerging-markets model.
• Checkout.com: Checkout.com is a global unified payments processor offering card acquiring, alternative payment methods, and BaaS APIs across 150+ currencies, serving enterprise merchants worldwide — closely matching Unlimit's product breadth and target customer base.
• Nuvei: Nuvei is a global payment technology company offering acquiring, processing, BaaS, and crypto on/off-ramps with a strong gaming and eCommerce vertical focus — directly competing with Unlimit across multiple product lines and verticals.
• PayU: PayU is a global online payment service provider with deep emerging-market presence (especially India, LATAM, Africa), offering acquiring, payouts, and credit — highly comparable to Unlimit's emerging-markets payment processing focus.
• Mollie: Mollie is a European payment service provider offering multi-currency payment processing, multi-currency accounts, and card issuing via APIs — a comparable mid-market PSP with similar developer-led GTM.
• Marqeta: Marqeta is a card-issuing platform powering modern card programs for fintechs, neobanks, and Web3 companies via a configurable open API — directly comparable to Unlimit's BaaS white-label card issuing offering.
• PingPong Payments: PingPong is a cross-border payment platform enabling global merchants to accept local payment methods and receive payouts in their home currency — directly comparable to Unlimit's cross-border acquiring and payouts business.

Broad incumbents

• Stripe: Stripe is the largest global online payment processor offering payment acceptance, Stripe Issuing for card programs, and Connect for marketplaces — a much larger, broader incumbent that competes with Unlimit across most of its product surface.
• Adyen: Adyen is a leading global payments platform serving enterprise merchants with unified acquiring, processing, and issuing across multiple regions — a broad incumbent directly competing with Unlimit's payment processing and BaaS offerings.

Emerging players

• Circle: Circle is a regulated stablecoin issuer (USDC) building infrastructure for stablecoin payments and on/off-ramps — an adjacent player with overlap to Unlimit's Stable.com stablecoin clearing house and crypto off-ramp business.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/Unlimit_com

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments2 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Unlimit