LINK
LINK is a private fintech building onchain FX and stablecoin payment infrastructure via a single API across 400+ currency pairs and 80+ countries, with deep Pan-African corridor coverage. It serves fintechs, B2B treasury teams, and stablecoin API developers, monetizing through transaction fees.
- Company typePrivate
- Founded2024
- HeadquartersDelaware City, United States
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What LINK does
LINK is a private financial technology company building onchain FX and stablecoin payment infrastructure for global businesses. Operating as LINK Technology Ltd, the company provides a platform-plus-modules architecture centered on a single API covering 400+ currency pairs and supporting fiat-to-stablecoin and stablecoin-to-fiat conversions across more than 80 countries, with particular depth in Pan-African corridors (Nigeria, Ghana, Kenya, South Africa) plus presence in LATAM, Europe, and Asia-Pacific.
LINK firmographics
Firmographics- Name
- LINK
- Legal name
- LINK Technology Ltd
- Website
- https://linkio.world
- Company type
- Private
- Founded year
- 2024
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- LINK is a private fintech building onchain FX and stablecoin payment infrastructure via a single API across 400+ currency pairs and 80+ countries, with deep Pan-African corridor coverage. It serves fintechs, B2B treasury teams, and stablecoin API developers, monetizing through transaction fees.
- Ownership category
- akta.pro rank
LINK industry classification
Industry- Product category
- Cross-Border Payments & FX Infrastructure
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Cross-Border FX, Multi-Currency & Treasury for Payments (FSAGABAK)
- akta.pro secondary industries
- Crypto Payments & Stablecoin Settlement Platforms (BPAMAFAL), Stablecoin Payment Rails & Settlement Networks (Issuer-Led) (FSADADAF), Cross-Border & FX Payments Platforms (BPAMAFAK)
Keywords
Where LINK is headquartered
LocationHeadquarters
- HQ city
- Delaware City
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
LINK business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales
Revenue model
- B2B Transaction Fees: LINK's fees are included directly in the exchange rate as a 0.5% markup on OTC/Business API transactions. The fee is automatically deducted before each transaction is processed. Developer markup up to 2% can be added on top for B2B transactions, deducted from customer payout and tracked per transaction.
- Retail Transaction Fees: Fees included in exchange rate for retail on-ramp and off-ramp transactions. Integrators can add custom retail markup up to 2%, with LINK's share tracked as linkFee and integrator's share as customerFee.
- FX Spread: Revenue generated through FX spreads on currency conversions across 400+ currency pairs, with transparent rates and no hidden fees
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | B2B API (OTC) - 0.5% fee included in exchange rate with developer markup up to 2% |
| Transaction based/ take rate | Pay-as-you-go | Retail API - Transaction fees with developer markup up to 2% |
| Transaction based/ take rate | Multi-year contract | High-Volume Custom Pricing |
| Freemium | Monthly | Dashboard Free Access |
Go-to-market motion1 record
Distribution channels6 records
Marketing channels6 records
LINK product offering
Product offeringCore offering
LINK provides FX and stablecoin payment infrastructure for global businesses, enabling fiat-to-stablecoin and stablecoin-to-fiat conversions across 400+ currency pairs via a unified REST API. Its platform combines an end-to-end business dashboard (LINK Business), developer-facing API, OTC liquidity desk (WAVY), merchant checkout, and ramp APIs (LINK Bridge) to support cross-border payments, treasury management, and on-ramp/off-ramp flows with a particular emphasis on frontier and emerging markets in Africa, Latin America, and Asia-Pacific.
Product overview
LINK is a financial technology company building FX and stablecoin payment infrastructure for global businesses, offering a platform-plus-modules architecture. The core offering consists of LINK API (developer-facing FX infrastructure API) and LINK Business (end-to-end platform for businesses), supplemented by specialized modules including the Treasury Platform for multi-currency balance management, Liquidity Product (WAVY) for OTC FX desk access, Checkout by LINK for stablecoin-to-fiat merchant payouts, LINK Bridge for ramp APIs, and LINK Ramps for self-service stablecoin transactions. The product portfolio also includes NGNC, a high-yield bearing interoperable Naira stablecoin. Together, these products enable businesses to automate multi-currency FX flows, on-ramp/off-ramp stablecoins, manage treasury operations, and access deep liquidity across 400+ currency pairs via a single unified API.
Differentiator
Problem solved
Functional benefit
Brands
- WAVY: Stablecoin FX liquidity product - access deep OTC FX liquidity with transparent pricing
- NGNC
- LINK Business
- Checkout by LINK
Products and services
- LINK API
Quantifiable outcome
- Settlement from seconds to 1-2 business days depending on payment rail
- +2 more outcomes
Companies that use LINK
Customer profileNamed customers10 records
Segments5 records
Ideal customer profiles3 records
LINK technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Feature14 records
LINK partnerships and signals
Strategic signalPartnerships
Eleven partnerships are on record, tiered core and minor.
- CirclecoreLINK joined the Circle Alliance Program and deepened strategic alliance through USDC Grant program. Circle selected LINK in 2025's first cohort of USDC Grant recipients. Partnership enables USDC-powered payments and stablecoin liquidity infrastructure.
- Ripple / DIFC (XRPL Accelerator)coreChosen for Cohort 5 of the XRPL Launch Accelerator by Ripple and DIFC (Dubai International Financial Centre). Strategic partnership for XRP Ledger ecosystem development.
- Base (Coinbase)coreNamed Base Batch 001 Showcase Track Winner - Europe. Partnership with Coinbase's Base layer-2 network for onchain FX solutions.
- DFXcorePartnership strengthened to power $6T of FX onchain with stablecoin liquidity and real-time settlements. NGNC/USDC liquidity pool hosted on DFX exchange. Over $15K paid out in yields to NGNC liquidity providers on DFX.
- PocketPayminorPartnership to power ramps in emerging markets. PocketPay distributes LINK's ramp infrastructure to its customer base.
- EtherfuseminorPartnership to enable stablebonds direct fiat purchase. Integration allows users to purchase Etherfuse stablebonds directly through LINK's ramp infrastructure.
- Ondo FinancecoreLaunched direct fiat deposits for Ondo's USDY on LINK Business. Enables businesses to deposit USDY stablecoins directly via LINK's platform.
- TetherminorJoined Tether's directory as payment infrastructure partner. Listed in Tether's official partner directory for USDT integration.
- ArchetypeminorFeatured on Archetype's 2025 Onchain Payments Landscape Map, providing visibility within the investor and founder ecosystem.
- ArtemisminorFeatured on Artemis' Stablecoin Market Map, providing exposure within the DeFi and crypto research community.
- Hashed EmergentminorFeatured in Hashed Emergent Web3 Landscape Report 2025, providing visibility within the Web3 and crypto ecosystem.
Scale indicators5 records
Recent moves6 records
Expansion highlights6 records
LINK competitors and assessment
Company assessmentBroad incumbents
- Circle: USDC issuer with growing programmable payments APIs and Cross-Border Transfer Protocol. Larger incumbent in the same stablecoin FX and payment rails space; a partner of LINK through the USDC Grant and Alliance Program but increasingly a competitor at the orchestration layer.
Direct peers
- Banxa: Regulated fiat-to-crypto onramp infrastructure with global local payment method coverage. Comparable to LINK's Retail API and pan-African local payment rail integrations.
- Bridge: Stablecoin orchestration API for businesses, offering programmable fiat-to-stablecoin and cross-border payments. Directly comparable to LINK API and LINK Business; acquired by Stripe in 2024, accelerating incumbents into the same layer.
- MoonPay: Consumer and developer on/off-ramp for buying and selling crypto and stablecoins with fiat. Comparable to LINK Bridge and LINK Ramps for fiat-to-stablecoin conversion at global scale.
- Yellow Card: Pan-African crypto and stablecoin payments and onramp company operating across 20+ African countries. Directly comparable to LINK's Pan-African FX and onramp focus.
- Alchemy Pay: Crypto payment gateway offering fiat on/off-ramps and checkout for merchants globally. Comparable to Checkout by LINK and LINK Bridge for stablecoin-to-fiat merchant payouts.
- Ramp Network: Embedded fiat-to-crypto onramp provider with white-label and API integration. Comparable to LINK Bridge widget and Checkout by LINK for embedded stablecoin payments.
- Bitnob: Pan-African Bitcoin and stablecoin payments, savings, and remittance platform. Comparable to LINK's Nigerian and African corridor focus, especially around NGN stablecoin payments.
- Transak: Global fiat-to-crypto onramp with developer APIs and local payment methods across 150+ countries. Directly overlaps with LINK's pan-African ramp strategy and developer-first distribution.
- BVNK: Cross-border stablecoin payments platform serving merchants and PSPs with multi-currency settlement. Directly comparable to LINK Business for B2B treasury and FX orchestration.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights7 records
Customer concentration
LINK social profiles
Digital presenceLINK compliance and trust
Trust signalCompliance1 record
LINK financial estimates
Financial estimateRevenue estimate
Valuation estimate
LINK leadership team
Management profileNumber of profiles
Profiles4 records
LINK funding detail
Funding detailFunding overview
Funding rounds1 record
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
LINK 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 LINK
What does LINK do?
LINK provides FX and stablecoin payment infrastructure for global businesses, enabling fiat-to-stablecoin and stablecoin-to-fiat conversions across 400+ currency pairs via a unified REST API. Its platform combines an end-to-end business dashboard (LINK Business), developer-facing API, OTC liquidity desk (WAVY), merchant checkout, and ramp APIs (LINK Bridge) to support cross-border payments, treasury management, and on-ramp/off-ramp flows with a particular emphasis on frontier and emerging markets in Africa, Latin America, and Asia-Pacific.
Is LINK a public or private company?
LINK is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was LINK founded?
LINK was founded in 2024. It employs 11 to 50 people.
Where is LINK based?
LINK is headquartered in Delaware City, United States, in the North America region.
How does LINK make money?
Three revenue lines are on record. B2B Transaction Fees are the primary driver. The others are retail Transaction Fees and FX Spread.
Who are LINK's main competitors?
Circle is listed as a broad incumbent. Direct peers are Banxa, Bridge, MoonPay, Yellow Card, Alchemy Pay, Ramp Network, Bitnob, Transak and BVNK.
Does LINK have an API?
Yes. LINK offers a REST API enabling FX infrastructure for modern payments. Powers FX monetization for platforms, PSPs, and global businesses across 400+ currency pairs on one API. Supports on-ramp and off-ramp stablecoin transactions (USDC, USDT) via local bank transfers and global payment methods. Features include: webhook notifications for real-time event updates, real-time FX quotes sourced from aggregated liquidity, developer markup capabilities (up to 2%), multi-currency support with prefunded accounts, and multichain static accounts for fiat deposits. Infrastructure supports hundreds of TPS with auto-scaling based on demand. Available via https://api.linkio.world/ with documentation at https://docs.linkio.world/. Support available via [email protected]. Developer documentation is at docs.linkio.world.
What industry is LINK in?
LINK's product category is Cross-Border Payments & FX Infrastructure. Its primary akta.pro industry code is FSAGABAK, Cross-Border FX, Multi-Currency & Treasury for Payments, with a secondary code of BPAMAFAL, Crypto Payments & Stablecoin Settlement Platforms. Its NAICS code is 522320 and its SIC code is 6199.