What 1Konto does

1Konto, operating under the 1KPrime brand, is a Jersey City-headquartered institutional fintech that operates a stablecoin-native cross-border payments and trading infrastructure. Its product suite comprises three integrated modules: 1KPrime Flow, which automates global fund movement and settles fiat and stablecoins (USDC, USDT) across eight currencies (USD, EUR, GBP, AUD, BRL, COP, ARS, MXN) in 60-120 minutes via local rails; 1KPrime Trading, an institutional RFQ-based OTC desk aggregating liquidity from 40+ venues with zero-slippage execution and sub-hour settlement across fiat, stablecoins, and Bitcoin; and 1KPrime Lending, a Bitcoin-collateralized credit facility offering up to 70% LTV with same-day funding in stablecoins or fiat. All three modules are exposed through a single REST and WebSocket API with sandbox-to-production deployment in 5-6 weeks for white-label partners.

The company targets institutional counterparties only, explicitly excluding UK residents and U.S. retail clients: asset managers, trading firms (prop, HFT, quant, market makers), payment service providers, corporate treasuries, corporate FX platforms, and banks. Go-to-market combines API-first and enterprise field sales, with a 24/7 institutional desk for high-touch OTC execution and a HubSpot-meeting-driven demo funnel. Revenue is generated via transaction/settlement fees on Flow, OTC trading spreads and execution fees on Trading, interest margin on BTC-backed Lending, and revenue-share/licensing through the white-label OEM program for FX platforms and PSPs.

The operating entity is 1KPrime Inc., a New Jersey corporation registered with FinCEN as MSB #31000288161085, alongside a BVI vehicle (1Konto Limited BVI) for non-U.S. clients. Leadership is a four-person executive team with backgrounds at Wells Fargo, QuantConnect, NASA JPL / Lockheed Martin, J.P. Morgan Chase, Capital One, MF Global, and Sun Trading. Total disclosed funding to date is approximately $6.4 million across rounds in April 2022, September 2024, and April 2025, and cumulative platform throughput is reported at $2-5 billion with 3,300+ settlements and 12+ connected liquidity providers.

Name

1Konto

Legal name

1KPrime Inc.

Website

https://1konto.com

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

1–10 employees

Short description

1Konto (operating as 1KPrime) provides institutional cross-border payments, OTC trading, and Bitcoin-backed lending via a stablecoin-native API with sub-hour settlement across eight fiat currencies and USDC/USDT rails.

Ownership category

akta.pro rank

Product category

Institutional Fintech Infrastructure

NAICS

Securities and Commodity Exchanges (52321), Securities and Commodity Contracts Intermediation and Brokerage (5231), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Security & Commodity Brokers, Dealers, Exchanges & Services (6200), Commodity Contracts Brokers & Dealers (6221)

akta.pro primary industry

Digital Asset/Crypto Trade Execution Platforms (FSAFANAO)

akta.pro secondary industries

DEX Aggregation & On-Chain Execution (routing, RFQ, intent-based trading) (FSAPAEAD), Crypto Payments & Stablecoin Settlement Platforms (BPAMAFAL), DEX Aggregators & Smart Order Routing (FSADABAC)

Keywords

• Cross-border payments
• Institutional OTC trading
• Stablecoin settlement
• FX liquidity provision
• Bitcoin-backed lending

Headquarters

HQ city

Jersey City

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Transaction / Settlement Fees: Volume-based fees on cross-border settlement transactions. Settlement speed of 60-120 minutes without requiring credit facilities, replacing costly bank FX desk fees. Clients reduce FX conversion costs by 50% or more versus traditional bank FX desks.
2. OTC Trading Spreads and Fees: Revenue from bid-ask spreads and execution fees on OTC block trades across fiat, stablecoins, and crypto (BTC, ETH, SOL). Zero slippage execution with deep liquidity sourced from 40+ venues. Supports RFQ, Market, TWAP, and VWAP execution.
3. Bitcoin-Backed Lending Interest: Interest income from Bitcoin-collateralized loans at up to 70% LTV, with flexible terms of 12-36 months and custom APR. No rehypothecation of collateral; same-day funding in stablecoins or fiat.
4. White-Label / API Licensing: Revenue from FX platforms and PSPs embedding 1KPrime's API for institutional FX execution and settlement. Partners receive sub-second RFQ feeds, local-rail payout APIs, and webhook notifications. Revenue-share opportunities and co-marketing offered.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels5 records

Core offering

1Konto, operating commercially as 1KPrime, is a unified institutional financial infrastructure platform that delivers three regulated product lines: 1KPrime Flow for automated cross-border payments and treasury settlement, 1KPrime Trading for institutional OTC execution with RFQ pricing, and 1KPrime Lending for Bitcoin-backed credit. The platform exposes a single API, treasury dashboard and 24/7 desk, serving asset managers, trading firms, PSPs, corporate treasuries, FX platforms and banks across multiple jurisdictions.

Product overview

1Konto operates 1KPrime, a unified institutional financial infrastructure platform consisting of three integrated products: 1KPrime Flow for automated cross-border payments and treasury management, 1KPrime Trading for institutional OTC crypto and FX execution with deep liquidity, and 1KPrime Lending for Bitcoin-backed credit facilities. The platform enables real-time settlement (60-120 minutes) across fiat currencies (USD, EUR, GBP, AUD, BRL, COP, ARS, MXN) and stablecoins (USDT, USDC), featuring AI-powered compliance orchestration and unified API access. Services are tailored for institutional counterparties and are not available to retail investors or UK residents.

Differentiator

Problem solved

Functional benefit

Brands

• 1KPrime Flow: Automated global fund movement product enabling real-time settlement across fiat and stablecoin rails, with AI-driven compliance orchestration and treasury workflow automation.
• 1KPrime Trading
• 1KPrime Lending

Products and services

• 1KPrime Flow Automated cross-border payment and treasury settlement platform that moves funds via stablecoins and local rails, delivering sub-hour settlement without a pre-funded credit facility, and exposing a unified API and treasury dashboard for institutional clients.
• 1KPrime Trading Institutional OTC execution venue with RFQ pricing, zero-slippage execution, multi-currency and digital-asset liquidity, accessed via API, WebSocket feeds or the 24/7 institutional trading desk.
• 1KPrime Lending Bitcoin-backed credit product that lets institutions borrow against BTC collateral with automated underwriting, margin management and programmatic liquidation.

Quantifiable outcome

• Settlement in 60-120 minutes vs. T+1 to T+5 with banks
• +6 more outcomes

Named customers3 records

Segments6 records

Ideal customer profiles6 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability3 records

Feature5 records

Partnerships

Three partnerships are on record, tiered core.

• GoQuantcoreStrategic or Co-development Partner · 1 May 20261Konto is a launch partner for GoQuant's GoCredit platform, a quote-based borrow/lend marketplace designed to replace fragmented lending workflows in the digital asset space with real-time rate discovery and risk monitoring. Launch partners include Maple, Two Prime, Capital Union Bank, 1Konto, and Valos.
• BitGocoreTechnology or IntegrationBitGo is shown as a trusted partner and integration in the 1KPrime ecosystem. Provides digital asset custody infrastructure used within the 1Konto platform for institutional-grade segregated wallet addresses.
• CoinbasecoreTechnology or IntegrationCoinbase is listed as a trusted partner providing institutional exchange and custody infrastructure integrated with 1Konto's settlement network.

Scale indicators13 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Ripple: Ripple operates Ripple Payments (cross-border settlement) and issues RLUSD, targeting banks, PSPs, and corporates for international transfers. It competes in the same cross-border payment modernization wedge as 1Konto Flow, with deeper bank relationships and a much larger regulatory footprint.
• Stripe (Bridge): Stripe acquired Bridge (a stablecoin orchestration platform) in 2024–2025 to enable stablecoin-powered cross-border payments for its merchant base. With Bridge, Stripe is building a competing white-label and embedded stablecoin settlement layer, directly addressing the same use cases 1Konto serves via its white-label program.
• Galaxy Digital: Galaxy Digital provides institutional crypto trading, lending, and asset management. Its trading and lending desks overlap with 1KPrime Trading and Lending, serving similar institutional counterparties at materially larger scale.
• Circle: Circle is the issuer of USDC and operates a growing payments and treasury platform (Circle Payments, Circle Mint) serving banks, PSPs, and corporates. It is a broad incumbent in the same stablecoin financial infrastructure category 1Konto operates in, with materially larger balance sheet, licensing footprint, and brand recognition.
• Coinbase Prime: Coinbase Prime offers institutional trading, custody, and financing (including crypto-backed lending). It is a broad incumbent whose OTC desk and prime brokerage overlap with 1KPrime Trading and Lending, serving the same asset-manager and trading-firm customer base with substantially more balance sheet.

Direct peers

• Fireblocks: Fireblocks provides institutional digital-asset custody, settlement, and trading infrastructure with a broad API and network of liquidity venues. It competes with 1Konto's institutional trading and settlement stack, particularly for asset managers and trading firms that require integrated custody + execution.
• BVNK: BVNK is a stablecoin-native cross-border payments and settlement platform serving PSPs, corporates, and fintechs with multi-currency and multi-rail execution. It is the closest direct peer to 1Konto's Flow product, competing head-to-head for PSP and corporate treasury customers seeking sub-hour stablecoin settlement.
• Cumberland (DRW): Cumberland is DRW's institutional crypto trading desk, providing OTC block trading, market making, and lending across spot and derivatives. It competes with 1KPrime Trading for large institutional block trades, particularly from trading firms and family offices.
• Paxos: Paxos issues regulated stablecoins (USDP, PYUSD on behalf of PayPal) and operates a tokenization and settlement platform. It is a direct peer in stablecoin issuance and institutional settlement infrastructure, competing for the same PSP, bank, and corporate treasury customers.

Emerging players

• Taurus: Taurus is a Swiss-based institutional digital-asset infrastructure provider offering custody, tokenization, and trading workflows to banks and asset managers. It is an emerging player with overlapping institutional infrastructure to 1Konto, particularly in the EMEA bank segment where 1Konto is currently excluded.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/1Konto_
• LinkedInlinkedin.com/company/1konto

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds4 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 1Konto