Centi

What Centi does

Centi is a Swiss-regulated fintech founded in 2020 that operates a stablecoin-native payment platform combining a consumer mobile app (Centi App) with a B2B infrastructure offering (Centi Business). The platform is built on BSV blockchain with non-custodial wallet architecture, enabling users to retain control of private keys while transacting in regulated stablecoins (EURAU via AllUnity, Tether Gold, Frankencoin) after the discontinuation of its proprietary Centi Franc (CCHF) token in July 2025. Core product modules include a micropayment platform engineered for 1M+ daily transactions, asset tokenization services, and a white-label payment feature for partner deployments.

The company's commercial focus is on financial inclusion and cross-border remittances, particularly from Switzerland to Africa. Distribution is partner-driven: Yellow Card extends reach to 20 African countries and 350M+ mobile money users, Minit Money provides mobile wallet payouts across 8 countries, and Swiss Post enables cash top-ups for unbanked users. North American commercialization is being executed through an exclusive 60-month license with NextGen Digital Platforms (announced August 2025) alongside a $300K investment at a $7M pre-money valuation. Centi monetizes via per-transaction fees (CHF 2 per remittance versus CHF 15 traditional), white-label licensing, and merchant payment processing for 500+ Swiss e-commerce stores.

Governance and compliance positioning is anchored by VQF membership under FINMA oversight (since August 2020), making Centi one of the few Swiss-regulated fintechs combining non-custodial crypto architecture with mainstream payment use cases. The company is privately held, employs 11-50 people, and has raised approximately $2.26M across pre-seed (July 2020), seed (December 2023, led by Archblock and Bloomhaus Ventures), and the NextGen transaction.

Name

Centi

Legal name

Centi Ltd

Website

https://centi.ch/

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

11–50 employees

Short description

Centi is a Swiss-regulated fintech that operates a non-custodial, stablecoin-based payment platform for consumer remittances and B2B infrastructure. Its Centi App and white-label payment solutions target unbanked populations, African migrants, and merchants via partner-driven distribution across 20+ African countries and an exclusive North American licensee.

Ownership category

akta.pro rank

Product category

Digital Payments / Blockchain Payment Infrastructure

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Security & Commodity Brokers, Dealers, Exchanges & Services (6200), Finance Services (6199), Functions Related To Depository Banking, Nec (6099)

akta.pro primary industry

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

akta.pro secondary industries

Payments, Remittances & Merchant Acceptance (checkout, invoicing, payroll) (FSAPAEAE), Stablecoin Payment Rails & Settlement Networks (Issuer-Led) (FSADADAF), Crypto Remittance & Cross-Border Money Transfer Providers (FSADAIAD), Enterprise Payments & Tokenized Money (stablecoins, tokenized deposits, CBDC rails) (FSAPAIAJ), Crypto Payments & Stablecoin Settlement Platforms (BPAMAFAL)

Keywords

• Stablecoin payment infrastructure
• Cross-border remittance services
• Micropayment processing platform
• Non-custodial digital wallet
• Blockchain payment solutions

Headquarters

HQ city

Zürich

HQ country

Switzerland

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

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

Revenue model

1. Transaction/Merchant Fees: Centi charges transaction fees for digital payment processing, remittances, and merchant services. Fees are displayed in-app before transaction confirmation. Remittance costs as low as CHF 2 per transfer versus CHF 15 traditional costs, indicating a per-transaction fee model.
2. White-Label Licensing: Centi licenses its technology platform to partners for commercialization under their own branding. NextGen secured a 60-month exclusive license for North America at $7M pre-money valuation, with a 24-month option to increase stake by up to 50%.
3. Stablecoin Issuance: Centi previously issued its own stablecoin (CCHF - Centi Franc) with a current supply of CHF 36,000. The company has discontinued this token as of July 2025, transitioning to third-party infrastructure stablecoins.
4. Tokenization Services: Revenue from tokenization services enabling businesses to digitize assets including loyalty points, coupons, digital art, and micro-bonds through Centi's scalable platform.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels6 records

Core offering

Centi operates a stablecoin-native payments platform offering a consumer mobile wallet app (Centi App) for digital payments, remittances, and peer-to-peer transfers, alongside an enterprise payment infrastructure (Centi Business) for merchant acceptance, micropayments, tokenization, and white-label integration. The platform uses a non-custodial wallet architecture built on BSV blockchain and integrates third-party stablecoins (EURAU, Tether Gold) to enable low-cost, instant cross-border transfers to mobile money wallets and bank accounts.

Product overview

Centi is a stablecoin-native payments platform providing a suite of blockchain-based financial solutions centered around its consumer mobile app (Centi App) and business payment infrastructure (Centi Business). The platform offers micropayment processing, stablecoin infrastructure, tokenization services, and whitelabel payment integration as modular components built on a non-custodial wallet architecture. Key products include the Centi App for consumers enabling remittances, cash top-ups, and P2P transfers without bank accounts; Centi Business for merchant payment acceptance and micropayment processing; a Tokenization Platform for digitizing assets; and the Whitelabel Payment Feature for partner integrations. The company has integrated third-party stablecoins (EURAU via AllUnity partnership, Tether Gold) and previously offered its proprietary Centi Franc (CCHF) stablecoin which was discontinued in 2025. All solutions are built on non-custodial principles ensuring users maintain direct control of their digital assets on the blockchain.

Differentiator

Problem solved

Functional benefit

Brands

• Centi App: Digital payment solution for consumers enabling secure, straightforward, and cost-effective digital payments, remittances, cash top-ups, and P2P transfers.
• Centi Business
• Centi Franc (CCHF)

Products and services

• Centi App Consumer-facing mobile wallet application enabling secure, low-cost digital payments, cross-border remittances, cash top-ups at Swiss Post offices, and peer-to-peer transfers without requiring a traditional bank account or formal ID documentation. Compatible with Google Pay and Apple Pay.
• Centi Business / Centi Merchant Solutions Enterprise payment infrastructure platform for merchants offering payment acceptance, micropayment processing, automated settlement, and reporting workflows. Delivered via the Centi Business portal for merchant onboarding and integration.
• Micropayment Platform Blockchain-powered platform enabling economically viable micropayments for media content monetization, gaming microtransactions, and IoT autonomous device transactions, eliminating traditional payment infrastructure barriers for sub-cent value transfers.
• Tokenization Services Platform for transforming real-world assets into tradeable digital tokens, including loyalty points, coupons, digital art, micro-bonds, and physical assets like gold, enabling broadened market access with enhanced security and compliance.
• White-label Payment Feature Embedded payment infrastructure allowing partners to integrate stablecoin-based payments into their existing consumer applications under their own branding, with "invisible crypto" UX where the blockchain complexity remains hidden from end users.
• Centi Franc (CCHF) Stablecoin Swiss Franc-pegged stablecoin token issued on the BSV blockchain, backed 1:1 by a Swiss bank and designed for low-cost micropayments. Discontinued July 2025 in favor of third-party infrastructure stablecoins.

Quantifiable outcome

• 85% lower remittance costs: CHF 2 vs CHF 15 traditional
• +4 more outcomes

Named customers5 records

Segments6 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature8 records

Partnerships

Six partnerships are on record, tiered major and core.

• Tether GoldmajorTechnology or Integration · 26 May 2026Integration of Tether Gold (XAUt0) enables Centi users to buy, hold, and exchange gold-backed tokens directly in the app. Each token is backed by one fine troy ounce of Swiss-vaulted gold in self-custodial wallets. Gold-backed value can be spent at 500+ e-commerce stores in Switzerland.
• AllUnitycoreTechnology or Integration · 5 February 2026Strategic partnership integrating AllUnity's BaFin-regulated EURAU euro stablecoin into the Centi ecosystem. EURAU is now enabled in the Centi App for payments, remittances, ecommerce, and POS. Combines MiCAR-compliant euro stablecoin with Centi's payment infrastructure for real-time settlement and global interoperability.
• Yellow CardcoreStrategic or Co-development Partner · 12 March 2025Partnership enabling cheaper cross-border remittances from Europe to 20 African countries. Transfers cost as little as CHF 2 compared to traditional methods costing CHF 15.
• Yellow CardcoreStrategic or Co-development Partner · 25 February 2025Partnership with Africa's largest licensed stablecoin on/off ramp enables Centi users to instantly send money to 350M+ recipients across 20 African countries including Nigeria, Ghana, Kenya, and South Africa. Transfers cost as little as CHF 2 vs CHF 15 traditional costs. Recipients can receive via MTN, Airtel, M-Pesa, and 100+ African banks.
• Minit MoneymajorStrategic or Co-development Partner · 30 January 2025Partnership with Minit Money enables instant, low-cost transfers to African mobile wallets and bank accounts. Live in 8 countries: Kenya, Nigeria, Uganda, Senegal, Ivory Coast, Cameroon, Benin, and Zambia. Delivers up to 30% more money received compared to traditional services at up to 85% lower costs.
• CentbeemajorStrategic or Co-development Partner · 1 June 2023Cooperation established to revolutionize remittances from Switzerland to Africa with advanced blockchain technology, making cross-border transfers more streamlined, cost-effective, and inclusive.

Scale indicators11 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Yellow Card: Africa's largest licensed stablecoin on/off-ramp; both a Centi partner and a directly overlapping competitor for stablecoin-based remittances and mobile-money payouts across the same 20 African countries.
• Bitnob: Provides stablecoin-powered cross-border payments and remittances into African mobile wallets and bank accounts, targeting the same unbanked/migrant users and merchants as Centi.
• Strike: Bitcoin/Lightning-based consumer payments and remittance app with similar low-cost cross-border value proposition and growing emerging-market corridors, including Africa.
• Minit Money: Africa-focused mobile-money payout partner of Centi and a directly comparable remittance/payout provider operating across the same 8 African countries.

Regional players

• Nium: Cross-border payments-as-a-service platform offering multi-currency accounts and remittance rails into emerging markets — comparable in cross-border payment mission though operating primarily outside Switzerland/Africa.

Broad incumbents

• Paxos: Regulated US stablecoin issuer and blockchain infrastructure provider with stablecoin-issuance and payments-rails products that overlap with Centi's stablecoin-infrastructure stack.
• BitPay: Long-standing crypto payments processor for merchants; overlaps with Centi's merchant-acceptance and stablecoin-checkout offerings, though focused on BTC rather than stablecoins.
• MoonPay: Broad crypto on/off-ramp and payments platform serving consumers and merchants globally with fiat-crypto conversions, competing for the same merchant and consumer onboarding flows.

Emerging players

• Bridge (Stripe): Stripe-owned stablecoin API and orchestration platform enabling businesses to issue, send, and accept stablecoins — a fast-emerging competitor for Centi's B2B white-label stack.
• AllUnity: BaFin-licensed EURAU euro stablecoin issuer and Centi partner; competes as a regulated stablecoin-infrastructure provider targeting MiCAR-compliant European payment use cases.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/chcenti
• Facebookfacebook.com/ChCenti
• LinkedInlinkedin.com/company/53132460

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds2 records

Investors3 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 Centi