Swipelux
Swipelux is an EU-licensed VASP offering a single API that unifies fiat on-ramps, custodial wallets across 26+ blockchains, crypto swaps, and fiat payouts. The platform serves 600+ crypto exchanges, fintechs, neobanks, and Web3 applications across 36 countries.
- Company typePrivate
- Founded2021
- HeadquartersTallin, Estonia
- Headcount1–10
- GTM typeB2B
- OfferingSoftware
What Swipelux does
Swipelux is an API-first payment infrastructure provider that unifies fiat and cryptocurrency payment rails into a single integration for businesses operating in the crypto, fintech, and digital asset sectors. Founded in 2021 and headquartered in Tallinn, Estonia, the company offers a unified stack combining on-ramp routing, custodial wallets across 26+ blockchain networks, crypto-to-crypto swap execution, and fiat off-ramp payouts. Its core technology orchestrates multiple upstream payment providers and exchanges (10+ centralized and 30+ decentralized venues) through smart routing logic, selecting optimal paths by country and payment method with automatic fallback. The platform abstracts blockchain complexity for end users through gasless transactions and includes built-in compliance tooling covering KYC/KYB, sanctions and PEP screening, and FATF Travel Rule readiness.
The company operates under EU Virtual Asset Service Provider (VASP) registrations in Estonia (license FVT000540) and Slovakia (registration 110-309717), and holds SOC 2 Type II and GDPR compliance certifications. Its primary customer segments are cryptocurrency exchanges, neobanks and fintechs, FX and cross-border payment operators, and Web3 applications, with stated usage by 600+ businesses across 36 countries. Named customers include BitMarkets, an exchange that uses the platform's Praxis-native routing for unified multi-provider on-ramp management.
Swipelux generates revenue primarily through transaction processing fees on fiat-to-crypto on-ramps, crypto-to-crypto swaps, and fiat off-ramps via SEPA and card payouts, supplemented by subscription or maintenance fees for enterprise API access. Its go-to-market combines a self-serve developer motion (public documentation, sandbox environment, embeddable widget) with a direct sales motion targeting enterprise fintech, exchange, and remittance customers. To date the company has raised approximately $850K in disclosed funding across rounds in 2021, 2022, and 2023, with Morgan Creek Capital Management listed as an investor in 2024.
Swipelux firmographics
Firmographics- Name
- Swipelux
- Legal name
- Swipelux OÜ
- Website
- https://swipelux.com
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Swipelux is an EU-licensed VASP offering a single API that unifies fiat on-ramps, custodial wallets across 26+ blockchains, crypto swaps, and fiat payouts. The platform serves 600+ crypto exchanges, fintechs, neobanks, and Web3 applications across 36 countries.
- Ownership category
- akta.pro rank
Swipelux industry classification
Industry- Product category
- Payment Infrastructure Software
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- SIC
- Security & Commodity Brokers, Dealers, Exchanges & Services (6200), Finance Services (6199)
- akta.pro primary industry
- Crypto Payments & Stablecoin Settlement Platforms (BPAMAFAL)
- akta.pro secondary industries
- On/Off-Ramp Providers (Fiat↔Crypto) & Cash-In/Cash-Out Networks (FSADAIAE), B2B Crypto Payouts, Mass Payments & Treasury Disbursements (FSADAIAF), Custodial Wallets & Hosted Accounts (exchange/fintech custody, omnibus wallets) (FSAPACAC), Payments, Remittances & Merchant Acceptance (checkout, invoicing, payroll) (FSAPAEAE)
Keywords
Where Swipelux is headquartered
LocationHeadquarters
- HQ city
- Tallin
- HQ country
- Estonia
- HQ region
- Europe
Offices2 records
Markets served
Swipelux business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales, Others
Revenue model
- Transaction Processing Fees: Fees charged on fiat-to-crypto on-ramps, crypto-to-crypto swaps, and fiat off-ramps including SEPA and card payouts. Usage-based revenue tied to transaction volume.
- API/SDK Usage and Subscription Fees: API and SDK access may be subject to maintenance fees, subscription fees, or other applicable charges as outlined in separate invoices or proposals. Enterprise clients receive dedicated API access with rate limits.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Self-serve developer access with documentation and sandbox |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels6 records
Swipelux product offering
Product offeringCore offering
Swipelux provides a unified API that integrates fiat and crypto payment rails, including cards, Apple/Google Pay, Open Banking, and 26+ blockchain networks. The platform delivers on-ramp routing with smart multi-provider selection, per-user custodial wallets, crypto-to-crypto swaps across CEX/DEX venues, and fiat off-ramp payouts via SEPA, cards, and external wallets, all with built-in EU VASP compliance and KYC/KYB tooling.
Product overview
Swipelux is a unified payment infrastructure platform providing a single API that integrates fiat and crypto rails for businesses in the crypto gaming, Metaverse, exchange, wallet, and NFT sectors. The core offering consists of On-Ramp & Routing, Accounts & Wallets, and Payouts & Off-Ramp products, powered by the CryptoRails API which orchestrates multi-provider routing, custody, and settlement. The platform is trusted by 600+ businesses and supports global coverage across 36 countries with 35+ payment methods including cards, Apple/Google Pay, Open Banking, and SEPA. Supporting modules include KYC/KYB verification services, Travel Rule compliance, Swaps & Exchange functionality, and a Unified Dashboard for real-time financial flow monitoring.
Differentiator
Problem solved
Functional benefit
Products and services
- On-Ramp & Routing Multi-provider payment routing system that accepts fiat deposits via cards, Apple Pay, Google Pay, and Open Banking. Automatically selects the optimal payment path by country and method with fallback capabilities. Built for exchanges, fintechs, neobanks, and Web3 platforms.
- Accounts & Wallets Per-user and business custodial wallet infrastructure supporting 26+ blockchain chains. Includes KYC-ready onboarding, crypto-to-crypto swaps, EU VASP compliance, policy controls, and audit-grade ledgers for fintechs and Web3 platforms.
- Payouts & Off-Ramp Mass payout functionality enabling global disbursements via SEPA, cards, or external wallets in local currency or stablecoins. Travel-Rule-ready with reconciliation-ready exports for businesses managing cross-border payments.
- CryptoRails API Core REST API layer that orchestrates multi-provider routing, per-user wallets, crypto-to-crypto swaps across 10+ CEX and 30+ DEX venues, and fiat payouts with built-in compliance. Provides endpoints for pay-ins, payouts, transfers, customer onboarding, webhooks, FX rates, and wallet management.
- Swipelux Self-Serve Widget Embeddable widget for quick on-ramp testing and small-scale integration with minimal development requirements. Hosted at buy.swipelux.com for SMB and individual integrators.
Quantifiable outcome
- 600+ businesses trust Swipelux for payment infrastructure
- +1 more outcomes
Companies that use Swipelux
Customer profileNamed customers2 records
Segments6 records
Ideal customer profiles4 records
Swipelux technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature6 records
Swipelux partnerships and signals
Strategic signalScale indicators7 records
Recent moves6 records
Expansion highlights6 records
Swipelux competitors and assessment
Company assessmentDirect peers
- MoonPay: MoonPay is the largest crypto on-ramp and off-ramp provider for businesses, offering fiat-to-crypto checkout, swaps and NFT checkout APIs — directly competing with Swipelux's on-ramp and wallet stack across exchanges, neobanks and Web3 apps.
- Transak: Transak provides fiat-to-crypto on-ramp infrastructure for wallets, exchanges and Web3 applications across 150+ countries, with global KYC/AML coverage — competing head-to-head with Swipelux in the multi-provider on-ramp routing layer.
- Ramp Network: Ramp Network offers a fiat-to-crypto on-ramp API and embedded widget for Web3 wallets and applications, with multi-payment-method support — a comparable on-ramp alternative to Swipelux for crypto wallets and exchanges.
- Coinbase Commerce: Coinbase Commerce provides crypto payment acceptance and on/off-ramp infrastructure for merchants and exchanges, with deep custody integration — directly comparable to Swipelux's crypto-fiat payments stack for exchanges and Web3 businesses.
- BVNK: BVNK provides stablecoin and multi-rail payment infrastructure for cross-border payments, neobanks and exchanges — overlapping with Swipelux's stablecoin settlement, mass payouts and Travel Rule-ready corridors.
- Alchemy Pay: Alchemy Pay operates a global fiat-to-crypto on-ramp and off-ramp network across cards, local payments and mobile rails — competing in the same crypto payment-gateway category as Swipelux across emerging and developed markets.
Broad incumbents
- Circle: Circle issues USDC and provides cross-border payment and treasury APIs for businesses — adjacent to Swipelux's stablecoin settlement and payouts use cases, and a potential partner or competitor depending on corridor.
- Stripe (crypto features): Stripe's crypto on-ramp (via Bridge/Privy) competes broadly with Swipelux for fintech and merchant crypto-payment integrations, leveraging Stripe's existing enterprise distribution to win neobank and platform accounts.
Emerging players
- Fireblocks: Fireblocks provides institutional custody, wallet infrastructure and payments engine for crypto businesses — overlapping with Swipelux's wallet/custody and Travel Rule compliance layer for exchanges and fintech customers.
- Sardine: Sardine provides fraud, KYC and compliance infrastructure purpose-built for crypto on-ramps and exchanges — directly comparable to Swipelux's integrated KYC/KYT and sanctions screening modules.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights6 records
Customer concentration
Swipelux social profiles
Digital presenceSwipelux compliance and trust
Trust signalCompliance4 records
Swipelux financial estimates
Financial estimateRevenue estimate
Valuation estimate
Swipelux leadership team
Management profileNumber of profiles
Profiles2 records
Swipelux funding detail
Funding detailFunding overview
Funding rounds4 records
Investors6 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Swipelux M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Swipelux
What does Swipelux do?
Swipelux provides a unified API that integrates fiat and crypto payment rails, including cards, Apple/Google Pay, Open Banking, and 26+ blockchain networks. The platform delivers on-ramp routing with smart multi-provider selection, per-user custodial wallets, crypto-to-crypto swaps across CEX/DEX venues, and fiat off-ramp payouts via SEPA, cards, and external wallets, all with built-in EU VASP compliance and KYC/KYB tooling.
Is Swipelux a public or private company?
Swipelux is a private company. It is classified as venture growth investor backed and is currently operating.
When was Swipelux founded?
Swipelux was founded in 2021. It employs 1 to 10 people.
Where is Swipelux based?
Swipelux is headquartered in Tallin, Estonia, in the Europe region.
How does Swipelux make money?
Two revenue lines are on record. Transaction Processing Fees are the primary driver. The others are API/SDK Usage and Subscription Fees.
Who are Swipelux's main competitors?
Direct peers on record are MoonPay, Transak, Ramp Network, Coinbase Commerce, BVNK and Alchemy Pay. Broad incumbents are Circle and Stripe (crypto features). Emerging players are Fireblocks and Sardine.
Does Swipelux have an API?
Yes. Swipelux offers a public REST API enabling developers to integrate payment infrastructure for onramp routing, per-user wallets, crypto↔crypto swaps, and payouts. The API provides endpoints for pay-ins, payouts, transfers, customer onboarding (KYC/KYB), webhooks, FX rates, and wallet management. Supports sandbox environment for testing. Developer documentation is at docs.swipelux.com/onramp.
What industry is Swipelux in?
Swipelux's product category is Payment Infrastructure Software. Its primary akta.pro industry code is BPAMAFAL, Crypto Payments & Stablecoin Settlement Platforms, with a secondary code of FSADAIAE, On/Off-Ramp Providers (Fiat↔Crypto) & Cash-In/Cash-Out Networks. Its NAICS code is 522320 and its SIC code is 6200.