TransFi
TransFi provides a stablecoin-powered cross-border payments platform with a unified API spanning 70+ countries and 250+ local payment methods, offering AI-driven compliance and FX routing to PSPs, corporates, crypto exchanges, and SMEs.
- Company typePrivate
- Founded2022
- HeadquartersTampa, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
TransFi firmographics
Firmographics- Name
- TransFi
- Legal name
- TransFi Inc.
- Website
- https://transfi.com
- Company type
- Private
- Founded year
- 2022
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- TransFi provides a stablecoin-powered cross-border payments platform with a unified API spanning 70+ countries and 250+ local payment methods, offering AI-driven compliance and FX routing to PSPs, corporates, crypto exchanges, and SMEs.
- Ownership category
- akta.pro rank
TransFi industry classification
Industry- Product category
- Cross-border payments infrastructure
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Remittance & Cross-Border Payment Rails (SWIFT, Local Clearing, RTP Connectivity) (FSAGAKAH)
- akta.pro secondary industry
- Crypto-Enabled Cross-Border Transfers & On/Off-Ramps (FSAGAKAO)
Keywords
Where TransFi is headquartered
LocationHeadquarters
- HQ city
- Tampa
- HQ country
- United States
- HQ region
- North America
Offices7 records
Markets served
TransFi business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales, Supply Chain
Revenue model
- Cross-border payment transaction fees: Primary revenue stream from transaction-based fees on processed cross-border B2B/B2C payments routed across 70+ countries, 250+ payment methods and stablecoin rails; the company projects ~$5bn processed transaction volume in FY2026 with 16x revenue growth since its 2024 seed round.
- Crypto on/off-ramp and conversion fees: Revenue from crypto Ramp, convert/swap of fiat ↔ stablecoins, OTC Desk bespoke trades with spread validation, and token listing — usage-based on volume across 35+ blockchains and 130+ tokens.
- Enterprise platform / API subscriptions: Recurring/contracted platform fees from enterprise clients using BizPay Pro, OTC Desk and the Settlement Facility, with dedicated SLAs and compliance.
- White-label checkout and wallet-as-a-service: Whitelabelled Checkout and Wallet solutions for PSPs, EMIs and digital banks embedding TransFi's local rails — typically customized enterprise contracts.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | — | Custom pricing for payment methods and APIs |
| Freemium | — | Free sign-up self-serve tier |
| Transaction based/ take rate | — | Volume-based transaction pricing |
Go-to-market motion5 records
Distribution channels5 records
Marketing channels8 records
TransFi product offering
Product offeringCore offering
TransFi provides a stablecoin-powered cross-border payments platform that delivers global collections, payouts, card issuance, and fiat-to-crypto conversion through a single unified API and modular sub-products (BizPay, BizPay Pro, Ramp, Checkout, Wallet, OTC Desk, Settlement Facility). It serves enterprises, PSPs/EMIs, crypto exchanges and merchants with coverage across 70+ countries, 250+ local payment methods, 40+ fiat currencies, and 35+ blockchains, enabling instant settlement at sub-1% fees versus legacy correspondent banking.
Product overview
TransFi offers a single unified payments platform with a modular product architecture for global money movement, composed of the TransFi API as the core integration layer plus a suite of named sub-products and add-on modules: BizPay and BizPay Pro for conversational and enterprise cross-border treasury; Ramp for crypto on/off-ramp; Checkout for global merchant acceptance; Wallet for multi-currency balances; Token Listing for enabling tokens across the network; plus OTC Desk and Settlement Facility add-ons, with Collections and Payouts as use-case solutions layered on top of the same stablecoin-powered orchestration.
Differentiator
Problem solved
Functional benefit
Brands
- BizPay: Send and collect cross-border payments via WhatsApp or Telegram with instant onboarding, transparent pricing, and 24/7 AI support.
- BizPay Pro
- Checkout
- Ramp
Products and services
- TransFi API Single unified REST API that gives developers access to global collections, payouts, cards and stablecoin rails across 70+ countries, with support for named IBANs and integration of fiat and digital-asset movement through one endpoint. Built for fintechs, PSPs and developers embedding global money movement.
- BizPay Conversational cross-border payments product that lets users send and collect payments via WhatsApp or Telegram, with instant onboarding, transparent pricing and 24/7 AI support in the customer's local language. Targeted at SMBs, agencies, consultants and freelancers receiving international client payments.
- BizPay Pro Enterprise treasury and cross-border money management account with borderless IBANs for global banking across 70+ countries, real-time fiat-to-stablecoin conversion, and unified support for treasury, payouts and digital assets. Built for corporates, PSPs, EMIs and treasuries.
- Checkout Whitelabelled global checkout solution that lets merchants accept crypto and 250+ local payment methods in a fast, secure and customizable payment flow with instant settlement. Built for ecommerce, luxury brands and PSPs embedding acceptance under their own brand.
- Ramp Real-time on/off-ramp for buying and selling digital assets across 250+ global payment methods, 35+ blockchains and 130+ digital assets and stablecoins, spanning 70+ countries. Built for crypto exchanges, wallets and Web3 businesses needing fiat-to-crypto conversion.
- Wallet Multi-currency wallet solution supporting fiat and digital-asset balances, instant conversion and integrated payouts for cross-border treasury management.
- Token Listing Service that enables global token access, supporting 130+ digital assets across the TransFi network so projects can reach users through TransFi's payment and on-ramp rails.
- OTC Desk Dedicated desk for executing high-value over-the-counter cross-border trades with bespoke pricing, spread validation controls and multi-tranche settlements. Built for enterprise clients and FX trading platforms.
- Settlement Facility Liquidity/credit facility providing on-demand liquidity covering prefunding, instant settlement and card-network payouts, eliminating pre-funding constraints for clients. Built for enterprise treasuries and PSPs.
- Collections (Global Collections) Cross-border payment-collections product that lets businesses collect payments from customers and partners worldwide using local payment methods, with support for 50+ currencies and instant settlement in stablecoins or fiat.
- Payouts (Cross-Border Payouts) Cross-border payouts product for paying vendors, contractors and partners globally with full compliance and local settlement support.
Quantifiable outcome
- Sub-1% fees in the US-Mexico corridor (vs 6.35% global average remittance cost)
- +5 more outcomes
Companies that use TransFi
Customer profileSegments9 records
Ideal customer profiles6 records
TransFi technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
AI capability6 records
Feature8 records
TransFi partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core.
- Digit9coreTransFi announced a strategic partnership with Digit9 in December 2025, highlighted in the Newsroom section of its website as a forward-looking collaboration in global payments.
- Bitget WalletcoreBitget Wallet integrated TransFi to add over 20 local on-ramp payment methods across Asia-Pacific, Latin America and Africa, enabling users to buy crypto instantly via instant bank transfers, national QR standards and mobile wallets. The integration leverages TransFi's stablecoin-powered orchestration layer to connect local payment rails with instant execution and regulatory compliance.
Scale indicators14 records
Recent moves9 records
Expansion highlights7 records
TransFi competitors and assessment
Company assessmentDirect peers
- Ripple: Ripple offers enterprise-grade cross-border payments and stablecoin (RLUSD) infrastructure for banks and PSPs. Direct overlap with TransFi's stablecoin-powered B2B/B2B2C cross-border orchestration across emerging corridors.
- Circle: Circle (USDC issuer) powers stablecoin-based cross-border payouts, treasury and on/off-ramps via APIs. Competes with TransFi's stablecoin settlement and Ramp products, particularly for enterprise treasury and PSP use cases.
- Rapyd: Rapyd provides a unified global payments network covering 100+ countries with local payment methods, payouts and on/off-ramps. Highly comparable to TransFi's single API across 70+ countries, 250+ methods and stablecoin rails.
- Thunes: Thunes operates a cross-border payments network connecting 130+ countries with local payout rails for PSPs, banks and wallets. Directly comparable to TransFi's borderless network across emerging market corridors.
- Nium: Nium is a global payments infrastructure platform offering real-time cross-border payouts, collections and card issuance across 100+ markets. Closely comparable in API-first model and emerging-market corridor coverage.
- Wise: Wise offers low-cost cross-border transfers across 70+ countries with multi-currency accounts. Comparable to TransFi's transparency-first, low-fee positioning, though primarily consumer/SMB rather than emerging-market B2B.
- Remitly: Remitly is a digital remittance platform serving 100+ corridors with deep emerging-market coverage. Overlaps with TransFi's remittance and cross-border payout use cases in corridors like US-Mexico, South Asia and Philippines.
Broad incumbents
- Payoneer: Payoneer provides cross-border payments, multi-currency accounts and working capital for SMBs, freelancers and marketplaces. Comparable to TransFi's enterprise and SMB cross-border treasury/payout solutions at broader scale.
- MoneyGram: MoneyGram is a global remittance and payments network spanning 200+ countries with both retail and digital channels. Comparable to TransFi's cross-border remittance and payout rails across emerging market corridors.
- Worldpay: Worldpay is a global payments processor and acquirer serving merchants, PSPs and enterprises with cross-border acquiring and payouts. Overlaps with TransFi's enterprise payments infrastructure, particularly the LATAM CEO's prior employer.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks5 records
Key highlights7 records
Customer concentration
TransFi social profiles
Digital presenceTransFi compliance and trust
Trust signalCompliance4 records
TransFi financial estimates
Financial estimateRevenue estimate
Valuation estimate
TransFi leadership team
Management profileNumber of profiles
Profiles6 records
TransFi subsidiaries and ownership
Company hierarchySubsidiaries1 record
TransFi funding detail
Funding detailFunding overview
Funding rounds4 records
Investors8 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
TransFi 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 TransFi
What does TransFi do?
TransFi provides a stablecoin-powered cross-border payments platform that delivers global collections, payouts, card issuance, and fiat-to-crypto conversion through a single unified API and modular sub-products (BizPay, BizPay Pro, Ramp, Checkout, Wallet, OTC Desk, Settlement Facility). It serves enterprises, PSPs/EMIs, crypto exchanges and merchants with coverage across 70+ countries, 250+ local payment methods, 40+ fiat currencies, and 35+ blockchains, enabling instant settlement at sub-1% fees versus legacy correspondent banking.
When was TransFi founded?
TransFi was founded in 2022. It employs 11 to 50 people.
Where is TransFi based?
TransFi is headquartered in Tampa, United States, in the North America region.
How does TransFi make money?
Four revenue lines are on record. Cross-border payment transaction fees are the primary driver. The others are crypto on/off-ramp and conversion fees, enterprise platform / API subscriptions and white-label checkout and wallet-as-a-service.
Who are TransFi's main competitors?
Direct peers on record are Ripple, Circle, Rapyd, Thunes, Nium, Wise and Remitly. Broad incumbents are Payoneer, MoneyGram and Worldpay.
Does TransFi have an API?
Yes. TransFi offers a single unified REST API (TransFi API / Single API) that provides access to global collections, payouts, cards, and stablecoin rails across 70+ countries, with support for features like named IBANs. Public developer-facing API with documentation, API reference & endpoints, change logs, and an AI Copilot for assistance. Integrates fiat and digital asset movement through one endpoint. Developer documentation is at docs.transfi.com/docs/welcome-to-transfi-developer-hub.
What industry is TransFi in?
TransFi's product category is Cross-border payments infrastructure. Its primary akta.pro industry code is FSAGAKAH, Remittance & Cross-Border Payment Rails (SWIFT, Local Clearing, RTP Connectivity), with a secondary code of FSAGAKAO, Crypto-Enabled Cross-Border Transfers & On/Off-Ramps. Its NAICS code is 522320 and its SIC code is 6199.