APS

Cross-Border Payment Infrastructureaps.money

APS is a global multi-rail payment service provider offering a unified API platform that bridges traditional and digital finance across 150+ countries, serving licensed brokerages, e-commerce merchants, and international businesses with card, local, and blockchain-based payment rails.

Company typePrivate
Founded2021
HeadquartersFernie, Canada
Headcount51–100
GTM typeB2B
OfferingSoftware

What APS does

APS (Advanced Payment Solutions) is a global payment service provider founded in 2021 and headquartered in Astana, Kazakhstan, with a North American regional office in British Columbia, Canada. The company operates a multi-rail payment infrastructure that bridges traditional finance, centralized crypto exchanges, and decentralized finance through a unified API platform, supporting 60+ settlement layer networks including Stellar, Solana, and Ethereum blockchains, and serving merchants across 150+ countries.

The company's product portfolio consists of three core lines: Online Payments (with sub-products including Binance Pay, Binance Connect, KuCoin Pay, MT5 Embedded Payments, Card Processing, Alternative Payment Methods, and Web3 Payment Settlements), On-Chain Payments (blockchain-based settlements), and Corporate Payments (multi-currency digital wallet). APS serves licensed brokerages via a native MetaTrader 5 integration, e-commerce platforms requiring cross-border settlement, and international businesses needing multi-currency digital wallets. Notable technical components include automated KYT/KYB compliance screening, smart routing for card approvals, and Host-2-Host integration capability with sandbox testing.

APS generates revenue primarily through transaction processing fees, currency conversion spreads, and settlement services. The company employs a sales-led, API-first go-to-market motion with dedicated account managers, custom enterprise pricing based on volume, and no integration or onboarding fees. APS is regulated by AFSA in Kazakhstan (License No. AFSA-A-LA-2024-0015) and registered as a Money Services Business with FINTRAC in Canada (M22483616), giving it a dual-jurisdiction regulatory profile unusual for a private company of 11-50 employees. Leadership is headed by CEO Serik Igbayev.

APS firmographics

Firmographics

Name: APS
Legal name: Advanced Payment Solutions Ltd.
Website: https://aps.money
Company type: Private
Founded year: 2021
Operating status: Operating
Headcount range: 51–100 employees
Short description: APS is a global multi-rail payment service provider offering a unified API platform that bridges traditional and digital finance across 150+ countries, serving licensed brokerages, e-commerce merchants, and international businesses with card, local, and blockchain-based payment rails.
Ownership category
akta.pro rank

APS industry classification

Industry

Product category: Cross-Border Payment Infrastructure
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)
akta.pro industry: PRIMARYFSAGABAJ
Alternative Payment Methods (APM) Enablement (Wallets, A2A, Local Rails)
Financial & Insurance/Financial Technology (Fintech)/Payment Orchestration & Fintech Infrastructure (APIs, Issuing, Processing)

Keywords

Cross-border payments
Payment processing infrastructure
Digital currency payments
Multi-currency settlement
Fintech payment gateway

Where APS is headquartered

Location

Headquarters

HQ city: Fernie
HQ country: Canada
HQ region: North America

Offices2 records

Markets served

APS business model

Business model

GTM type: B2B
Offering type: Software
Cost components: Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales

Revenue model

Transaction Processing Fees: Fees charged on payment transactions processed through the platform. Volume-based pricing with flexible individual pricing models. No integration or onboarding fees.
Currency Exchange & Conversion: Revenue from currency conversion operations supporting major fiat currencies and virtual assets. Competitive exchange rates on settlements across 150+ countries.
Settlement Services: Multi-currency settlement services enabling businesses to receive payments globally and settle in preferred currency. Real-time funding with no held balance.

Pricing tiers

Model	Billing	Price
Transaction based/ take rate	Pay-as-you-go	Volume-based flexible pricing model
Hybrid	Multi-year contract	Custom enterprise pricing

Go-to-market motion2 records

Distribution channels3 records

Marketing channels3 records

APS product offering

Product offering

Core offering

APS provides a multi-rail, API-first cross-border payment platform that enables businesses to accept, process, and settle payments in both fiat currencies and digital assets across 150+ countries. The platform supports online card processing, alternative local payment methods, embedded MetaTrader 5 brokerage payments, and on-chain settlements across 60+ blockchain networks including Stellar, Solana, and Ethereum. Its three core product lines — Online Payments, On-Chain Payments, and Corporate Payments — share a single integration with PCI-DSS compliance and automated KYT/KYB screening.

Product overview

APS (Advanced Payment Solutions) is a global payment service provider offering a unified platform with multiple payment rails. The product architecture consists of three core product lines: Online Payments (with seven sub-products including Binance Pay, Binance Connect, KuCoin Pay, MT5 Embedded Payments, Card Processing, Alternative Payment Methods, and Web3 Payment Settlements), On-Chain Payments (blockchain-based payments supporting 60+ networks), and Corporate Payments (multi-currency digital wallet solution). The platform enables businesses to accept and process payments globally through a single integration, supporting both traditional fiat and digital currencies across 150+ countries.

Differentiator

Problem solved

Functional benefit

Products and services

Online Payments Global online payment platform providing merchants with multiple payment rails through a single integration, supporting digital currencies, card payments, and local payment methods across 150+ countries.
Card Processing Secure payment gateway for accepting debit and credit cards globally including Visa, Mastercard, JCB, and Union Pay, featuring smart routing technology to increase card approval ratios across 150+ countries.
Binance Pay Digital currency payment solution enabling merchants to accept payments from 300+ million Binance users worldwide, supporting 100+ digital assets and processing fiat settlements, bulk disbursements, and recurring payments.
Binance Connect Integration bridging traditional finance and digital assets, allowing merchants to accept digital currency payments with real-time fiat settlements in USD, GBP, and EUR, delivered under MiCA compliance.
KuCoin Pay Digital asset payment method powered by the KuCoin ecosystem, providing merchants access to 40M+ KuCoin users with fiat payouts in USD, GBP, and EUR, supporting 50+ digital assets including USD-pegged tokens under MiCA compliance.
MT5 Embedded Payments Native in-platform payment solution for licensed MetaTrader 5 brokers enabling direct client deposits, withdrawals, and payments within the MT5 platform without third-party integration steps, accepting Binance Pay, Mastercard, and Visa.
Alternative Payment Methods Local payment methods for emerging markets in APAC and MENA regions, aggregating digital wallets, QR payments, and regional banking payment systems (GoPay, OVO, DANA, ShopeePay, Boost, DuitNow, Touch 'n Go, QRIS, FPX, VietQR, UPI, Paytm, PIX, SEPA, SWIFT).
Settlements (Web3 Payment Settlements) Reliable settlement service enabling merchants to receive payments globally and settle in their preferred fiat or digital currency across 30+ currencies, with real-time funding and no held balance.
On-Chain Payments Blockchain-powered payment solution supporting 60+ settlement layer networks including Stellar, Solana, and Ethereum, enabling secure, low-cost international payments with reduced settlement execution time using SEP protocols.
Corporate Payments All-in-one corporate digital payments solution featuring a multi-currency digital wallet that enables businesses to send, exchange, and receive fiat and digital currencies across 150+ countries via a single integration.

Quantifiable outcome

150+ countries supported for global payment coverage
+2 more outcomes

Companies that use APS

Customer profile

Named customers3 records

Segments4 records

Ideal customer profiles4 records

APS technology and API

Technology

Technology focussed Yes

API detail

Has API: No
API docs
API detail

Core technology

AI maturity

App detail

Integration31 records

Feature4 records

APS partnerships and signals

Strategic signal

Partnerships

Seven partnerships are on record, tiered core.

Binance PaycoreTechnology or IntegrationBinance Pay integration enables merchants to accept digital currency payments from 300+ million Binance users. APS provides access to Binance Pay infrastructure with fiat settlements, bulk disbursements, and recurring payments. Over $280 billion in Binance Pay transaction volume processed since 2021.
Binance ConnectcoreTechnology or IntegrationIntegrated by APS, Binance Connect bridges traditional finance and digital assets for merchants. Provides real-time settlements in preferred currencies including USD, GBP, EUR with MiCA compliance.
KuCoin PaycoreTechnology or IntegrationAPS enables merchants to accept digital currency payments through KuCoin Pay ecosystem. Access to 40+ million KuCoin users with fiat payouts in USD, GBP, EUR. MiCA-compliant built-in compliance.
MetaTrader 5coreTechnology or IntegrationNative MT5 integration providing in-app payment solutions for licensed brokerages. Direct client deposits within MetaTrader 5 platform with Binance Pay, Mastercard, and Visa payment options.
Stellar Development FoundationcoreTechnology or IntegrationAPS leverages Stellar blockchain's SEP protocols to bridge traditional finance with Stellar-based DeFi. Fast, secure, and transparent cross-border payments using Stellar infrastructure.
VisacoreTechnology or IntegrationInternational card acquiring enabling merchants to accept Visa payments globally with smart routing technology to increase approval ratios.
MastercardcoreTechnology or IntegrationGlobal card payment solutions allowing clients to pay using Mastercard with customizable checkout aligned to business requirements.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

APS competitors and assessment

Company assessment

Broad incumbents

Stripe: Dominant global payment platform now expanding into stablecoin and crypto rails. Represents both an indirect competitor (developer-first API) and a major risk if it bundles APMs and on-chain settlement at scale.
Nuvei: Global payment processor with significant crypto acquiring capabilities and APM coverage. Competes with APS for enterprise merchants, but with a much broader product portfolio and public-company scale.

Regional players

Modulr: UK-based payments-as-a-service provider offering multi-currency accounts, API-based payment rails, and embedded payments for platforms. Comparable in API-led cross-border B2B payments, though more Europe-anchored.

Direct peers

Alchemy Pay: Singapore-based crypto-friendly payment gateway offering fiat and crypto acceptance across 150+ countries. Closely comparable to APS in APM breadth, crypto on/off-ramp positioning, and emerging-market focus.
BVNK: Multi-rail payments platform for cross-border settlement across fiat, stablecoins, and on-chain rails. Comparable target merchants (digital businesses, brokerages, PSPs) and similar orchestration architecture.
Triple-A: Licensed crypto payments provider enabling merchants to accept and settle in digital assets with fiat conversion. Directly comparable regulated crypto-fiat payment acceptance model.
BitPay: Established crypto payment processor serving merchants with Bitcoin and stablecoin acceptance. Comparable in crypto payment gateway functionality, though more bitcoin-centric than APS's multi-rail approach.
CoinsPaid: Crypto payment processing and on/off-ramp infrastructure for merchants and platforms. Overlaps with APS on crypto-fiat settlement and merchant integration.
Coinbase Commerce: Coinbase's merchant crypto payment acceptance product, directly competing for the same crypto-native merchant wallet and offering comparable settlement features.

Emerging players

Onramper: Aggregates on/off-ramp providers into a single API for wallets and platforms. Comparable in API-first fiat-crypto orchestration philosophy, though more focused on the on-ramp side.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

APS compliance and trust

Trust signal

Compliance3 records

APS financial estimates

Financial estimate

Revenue estimate

Valuation estimate

APS leadership team

Management profile

Number of profiles

Profiles1 record

APS funding detail

Funding detail

Funding overview

Funding rounds1 record

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

APS M&A and investment

M&A and investment

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about APS

What does APS do?

Is APS a public or private company?

APS is a private company. It is classified as founder individual operated bootstrapped and is currently operating.

When was APS founded?

APS was founded in 2021. It employs 51 to 100 people.

Where is APS based?

APS is headquartered in Fernie, Canada, in the North America region.

How does APS make money?

Three revenue lines are on record. Transaction Processing Fees are the primary driver. The others are currency Exchange & Conversion and settlement Services.

Who are APS's main competitors?

Broad incumbents on record are Stripe and Nuvei. Modulr is listed as a regional player. Direct peers are Alchemy Pay, BVNK, Triple-A, BitPay, CoinsPaid and Coinbase Commerce. Onramper is listed as an emerging player.

Does APS have an API?

No public API is recorded for APS.

What industry is APS in?

APS's product category is Cross-Border Payment Infrastructure. Its primary akta.pro industry code is FSAGABAJ, Alternative Payment Methods (APM) Enablement (Wallets, A2A, Local Rails). Its NAICS code is 522320 and its SIC code is 6200.