Decaf
Decaf is a non-custodial blockchain wallet on Stellar and Solana that enables global USDC payments via payment links, WhatsApp, Visa cards, and developer APIs for freelancers, NGOs, humanitarian organizations, creators, and cross-border commerce across 180+ countries.
- Company typePrivate
- Founded2022
- HeadquartersMiami, United States
- Headcount1–10
- GTM typeB2B and B2C
- OfferingSoftware
What Decaf does
Decaf, Inc. is a financial technology company founded in 2022 and incorporated in Delaware, operating from Miami with a lean team of 1–10 employees. The company builds a non-custodial blockchain wallet on the Stellar and Solana networks that enables users to send, receive, and manage USDC stablecoins globally, with fiat off-ramps through bank transfers, MoneyGram cash pickup, and a Visa card program.
The product surface is organized around a reusable Payment Link (decaf.me/handle) that accepts card, bank transfer, or USDC from clients worldwide and works in 180+ countries, complemented by a Business Account tier for NGOs, agencies, exporters, and humanitarian organizations, a Decaf Visa Card for stablecoin spending at 150M+ merchants, a WhatsApp-native conversational wallet for messaging-based payments, a PIX integration for Brazil, a Meta USDC payout integration for creators, and a Developer Platform with APIs for platforms and marketplaces to embed global payout infrastructure via a single API call. Underlying infrastructure is delivered through partnerships with Stellar Development Foundation (Stellar Disbursement Platform), MoneyGram, Visa, Crossmint (non-custodial wallet provisioning, transaction orchestration, security tooling), and licensed financial institutions.
Decaf monetizes via an approximately 1% transaction fee, marketed as "users keep 99% of payments," against an effective PayPal/Stripe rate of 3–20% for comparable cross-border flows. Go-to-market is hybrid: product-led growth for individuals and SMBs through self-serve payment link creation, enterprise field sales for NGOs and humanitarian organizations, and an API-first distribution model targeting freelance platforms, marketplaces, gig economy companies, and humanitarian organizations. Scale commentary cites over $100M in payment volume processed in the trailing six months and 425 successful USDC scholarship payments to 248 recipients across 50+ countries during the IAS Conference 2025 in Kigali, Rwanda.
Decaf firmographics
Firmographics- Name
- Decaf
- Legal name
- Decaf, Inc.
- Website
- https://decaf.so
- Company type
- Private
- Founded year
- 2022
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Decaf is a non-custodial blockchain wallet on Stellar and Solana that enables global USDC payments via payment links, WhatsApp, Visa cards, and developer APIs for freelancers, NGOs, humanitarian organizations, creators, and cross-border commerce across 180+ countries.
- Ownership category
- akta.pro rank
Decaf industry classification
Industry- Product category
- Cross-Border Payments
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Security & Commodity Brokers, Dealers, Exchanges & Services (6200)
- akta.pro primary industry
- Crypto Payments & Stablecoin Settlement Platforms (BPAMAFAL)
- akta.pro secondary industries
- Crypto Remittance & Cross-Border Money Transfer Providers (FSADAIAD), Payments, Remittances & Merchant Acceptance (checkout, invoicing, payroll) (FSAPAEAE)
Keywords
Where Decaf is headquartered
LocationHeadquarters
- HQ city
- Miami
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Decaf business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Transaction Fees: Decaf charges approximately 1% on transactions, allowing users to keep 99% of payment amounts. This applies to card payments, bank transfers, and crypto transactions across 180+ countries.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Standard Transaction Rate |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels5 records
Decaf product offering
Product offeringCore offering
Decaf provides a non-custodial blockchain wallet on Stellar and Solana networks enabling users to send, receive, and manage USDC stablecoins globally. Users create reusable payment links to accept card, bank transfer, or crypto payments from clients in 180+ countries, then cash out via Visa card, local bank transfer (20+ countries), or MoneyGram cash pickup (180+ countries). The platform also offers a WhatsApp-native conversational wallet and an API for platforms to integrate global payouts.
Product overview
Decaf is a multi-product fintech platform offering blockchain-based global payment infrastructure. The core product is the Decaf Wallet—a non-custodial wallet on Stellar and Solana blockchains supporting USDC stablecoins—paired with the Decaf Payment Link for accepting global card, bank, and crypto payments. Business accounts extend capabilities for NGOs, agencies, exporters, and humanitarian organizations. Key add-on modules include the Decaf Visa Card for global spending, the WhatsApp Wallet for messaging-native payments, and Stellar Disbursement Platform integration for institutional disbursements. The Decaf Developer Platform provides APIs for platforms to embed global payout capabilities. All products connect to global cash-out networks including MoneyGram (180+ countries), bank transfers (20+ countries), and Visa acceptance (150+ countries).
Differentiator
Problem solved
Functional benefit
Brands
- Decaf Visa Card: A Visa credit card enabling users to spend stablecoins in the real world, accepted by over 150 million merchants globally. Available in selected jurisdictions worldwide.
Products and services
- Decaf Wallet Non-custodial blockchain wallet available on Stellar and Solana networks, enabling users to send, receive, and manage USDC stablecoins with global cash-out options including Visa card, bank transfer, and MoneyGram cash pickup.
- Decaf Payment Link Reusable payment page enabling users to accept global payments by card, bank transfer, and USDC from clients, sponsors, fans, and employers worldwide, shared via invoices, bios, emails, and messaging platforms.
- Decaf Business Account
Quantifiable outcome
- Users keep 99% of payments vs PayPal's effective ~90% (saving $80-120 per $1,000 invoice)
- +3 more outcomes
Companies that use Decaf
Customer profileNamed customers4 records
Segments11 records
Ideal customer profiles5 records
Decaf technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration8 records
AI capability7 records
Feature8 records
Decaf partnerships and signals
Strategic signalPartnerships
Ten partnerships are on record, tiered core, flagship and minor.
- Stellar Development FoundationcoreCore blockchain infrastructure partner providing the Stellar network and Disbursement Platform (SDP). Decaf integrates SDP for institutional and humanitarian disbursement programs, acting as wallet provider and technical integration partner. Enables USDC stablecoin payments on the Stellar blockchain.
- MoneyGramcoreCash pickup network partner enabling Decaf users to withdraw funds at MoneyGram locations in 180+ countries. Critical for serving unbanked populations and regions with limited banking infrastructure.
- CrossmintcoreThird-party infrastructure provider supporting Decaf's Messaging Services and AI Services, including wallet provisioning, transaction orchestration, and security and compliance tooling. Uses Crossmint's non-custodial services.
- UNDPflagshipListed as a trusted organization partnering with Decaf for global payments and humanitarian aid distribution. UNDP logo displayed on business page as partner.
- Visa Inc.corePayment network partner for Decaf Visa Card program. Card transactions processed through Visa network at 150+ million merchants globally in 150+ countries.
- AirtmminorDisplayed as trusted partner organization. Airtm is a digital wallet and exchange platform.
- BridgeminorDisplayed as trusted partner organization. Bridge is a financial infrastructure company.
- International AIDS Society (IAS)flagshipCase study partner that used Decaf Wallet and Stellar Disbursement Platform to distribute 425 scholarship payments to 248 recipients in 50+ countries at IAS Conference 2025. Demonstrates humanitarian disbursement capabilities.
- GIZ (Deutsche Gesellschaft für Internationale Zusammenarbeit)flagshipGerman development organization that partnered with SDF and Union of Medical Care and Relief Organizations to deploy Stellar Disbursement Platform for healthcare worker payments in conflict-affected regions.
- Union of Medical Care and Relief OrganizationscoreHumanitarian organization partnered with GIZ and SDF to enable faster, transparent payments to over 900 healthcare workers in conflict-affected regions using Stellar Disbursement Platform.
Scale indicators8 records
Recent moves6 records
Expansion highlights6 records
Decaf competitors and assessment
Company assessmentDirect peers
- Airtm: A digital wallet and exchange platform that already partners with Decaf and offers similar cross-border payment capabilities for freelancers and workers in Latin America and emerging markets. Directly comparable product surface (multi-currency wallet, cash-out rails, USDC support).
- Paxos: Regulated stablecoin issuer and blockchain infrastructure platform offering USDP issuance, payments, and crypto brokerage services. Direct competitor in the regulated stablecoin and enterprise payments infrastructure category.
- Yellow Card: African crypto payments and remittance platform enabling users to buy, sell, and spend stablecoins across 20+ African countries. Comparable emerging-market focus and stablecoin-based payout infrastructure for underbanked populations.
- BVNK: Stablecoin payments platform providing global payment infrastructure for businesses, including payouts and multi-currency wallets. Targets enterprise and platform use cases with similar multi-rail architecture and stablecoin settlement focus.
- Bridge (Bridge.xyz): Stripe-acquired stablecoin API infrastructure provider enabling platforms to send, receive, and convert stablecoins. Already a listed Decaf partner; competes for the same platform-integration and developer-platform business in the USDC payments stack.
- Bitso: Latin American crypto exchange and payments company offering USDC rails, cross-border transfers, and business payout services. Direct overlap with Decaf's Mexico/Brazil/Colombia/Argentina corridors and freelancer/contractor use cases.
- Alchemy Pay: Crypto payments gateway enabling merchants and platforms to accept crypto and stablecoins globally with fiat conversion. Comparable crypto-onramp/off-ramp and merchant acceptance model with global geographic coverage.
Broad incumbents
- Circle: Issuer of USDC—the primary stablecoin underlying Decaf's payments—and operator of Circle Payments Network and Cross-Chain Transfer Protocol. Competes one layer up in the stack with significantly more capital, regulatory standing, and enterprise distribution.
- Wise (TransferWise): Global cross-border payments platform serving freelancers, remote workers, and businesses with multi-currency accounts. Competes for the same end-user segments (freelancers, remote workers, digital nomads) with established brand and far deeper regulatory licensing.
- Remitly: Public digital remittance company serving immigrant senders moving money to 170+ countries with bank deposit, cash pickup, and mobile wallet delivery. Direct competitor in Decaf's remittance sender segment with established brand and global cash pickup network.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
Decaf social profiles
Digital presenceDecaf compliance and trust
Trust signalCompliance1 record
Decaf financial estimates
Financial estimateRevenue estimate
Valuation estimate
Decaf leadership team
Management profileNumber of profiles
Profiles1 record
Decaf funding detail
Funding detailFunding overview
Funding rounds1 record
Investors6 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Decaf 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 Decaf
What does Decaf do?
Decaf provides a non-custodial blockchain wallet on Stellar and Solana networks enabling users to send, receive, and manage USDC stablecoins globally. Users create reusable payment links to accept card, bank transfer, or crypto payments from clients in 180+ countries, then cash out via Visa card, local bank transfer (20+ countries), or MoneyGram cash pickup (180+ countries). The platform also offers a WhatsApp-native conversational wallet and an API for platforms to integrate global payouts.
Is Decaf a public or private company?
Decaf is a private company. It is classified as venture growth investor backed and is currently operating.
When was Decaf founded?
Decaf was founded in 2022. It employs 1 to 10 people.
Where is Decaf based?
Decaf is headquartered in Miami, United States, in the North America region.
How does Decaf make money?
One revenue line is on record: transaction Fees.
Who are Decaf's main competitors?
Direct peers on record are Airtm, Paxos, Yellow Card, BVNK, Bridge (Bridge.xyz), Bitso and Alchemy Pay. Broad incumbents are Circle, Wise (TransferWise) and Remitly.
Does Decaf have an API?
Yes. Decaf offers a developer platform with APIs for global payouts, remittances, and messaging-based payments. Developers can integrate by creating recipients, creating payouts, notifying recipients, and receiving webhook updates. Platforms can send funds globally using a single API call (e.g., decaf.pay(phone, email, amount, currency)). The platform supports integrations for platforms, marketplaces, gig economy companies, humanitarian organizations, remote-work platforms, and AI workflows. Messaging-based delivery through WhatsApp and email is available. Developer documentation is at www.decaf.so/en/developers.
What industry is Decaf in?
Decaf's product category is Cross-Border Payments. Its primary akta.pro industry code is BPAMAFAL, Crypto Payments & Stablecoin Settlement Platforms, with a secondary code of FSADAIAD, Crypto Remittance & Cross-Border Money Transfer Providers. Its NAICS code is 522320 and its SIC code is 6200.