Velocity
Velocity is a London-based fintech founded in 2025 that provides an API-first enterprise platform unifying cross-border payments, real-time settlement, treasury management, and FX across fiat and stablecoin rails. It targets payment companies, global businesses, and financial institutions seeking 24/7 settlement and reduced prefunding.
- Company typePrivate
- Founded2025
- HeadquartersLondon, United Kingdom
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Velocity does
Velocity is a London-headquartered enterprise fintech founded in 2025 that operates an API-first platform unifying cross-border payments, real-time settlement, treasury management and FX conversion across both fiat and stablecoin rails. The platform connects licensed banks, institutional custodians (notably Zodia Custody), liquidity providers, and multiple blockchain networks to support 30+ fiat currencies and a broad set of regulated stablecoins (USDC, EURC, USDT, PYUSD, RLUSD, USDP, USDG, AUSD, EURQ, USDQ), enabling enterprises to move and hold value 24/7/365 without banking cutoffs. Technical infrastructure is built around secure wallet architecture via Fireblocks, HSM-based custody, SOC 2 Type I (Type II in progress) and ISO 27001-aligned controls, with direct integrations into TMS/ERP systems and programmable, rules-based automation replacing manual treasury workflows.
The company monetizes through transaction and settlement fees, FX conversion spreads across its liquidity provider network, and yield-related revenue generated on stablecoin balances through third-party issuers and protocol partners. Pricing is quote-based under multi-year enterprise contracts with dedicated solutions engineering support, targeting three primary segments: payment companies (acquirers, PSPs, network operators), global businesses (Fortune 2000 corporates), and financial institutions (banks, fintechs, neobanks, FX brokers), with secondary use cases in marketplaces, media, and enterprise treasury teams. GTM is enterprise field sales with a self-serve developer portal (docs.velocity.xyz), supported by content marketing, industry events, and a strong partner network spanning stablecoin issuers, custody providers and banking rails. Velocity is venture-backed by Activant and Fuel Ventures (leading a $10M pre-seed in May 2025), with additional capital from Dragonfly Capital (October 2025), and operates offices in London, Warsaw, New York and Melbourne.
Velocity firmographics
Firmographics- Name
- Velocity
- Legal name
- Velocity Technology Sp. z o.o., Velocity Technology Holdings Ltd., Velocity Technology Ltd., Velocity Technology Inc.
- Website
- https://velocity.xyz
- Company type
- Private
- Founded year
- 2025
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Velocity is a London-based fintech founded in 2025 that provides an API-first enterprise platform unifying cross-border payments, real-time settlement, treasury management, and FX across fiat and stablecoin rails. It targets payment companies, global businesses, and financial institutions seeking 24/7 settlement and reduced prefunding.
- Ownership category
- akta.pro rank
Velocity industry classification
Industry- Product category
- Enterprise Stablecoin Payments & Treasury Infrastructure
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Services-Computer Integrated Systems Design (7373)
- akta.pro primary industry
- Crypto Payments & Stablecoin Settlement Platforms (BPAMAFAL)
- akta.pro secondary industries
- Payment Orchestration Platforms (FSAGABAA), Market Making, Liquidity & Peg-Stabilization Services (FSADADAJ), On/Off-Ramps & Fiat Liquidity Providers for Stablecoins (FSADADAG)
Keywords
Where Velocity is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices4 records
Markets served
Velocity business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Operations, Infrastructure, Marketing or Sales, Others
Revenue model
- Transaction and Settlement Fees: Fees generated from payment processing, cross-border transfers, and real-time settlement services across fiat and stablecoin rails. The platform charges spreads and transaction costs across supported payment flows.
- FX Conversion and Spread Revenue: Revenue from currency conversion services with transparent pricing, routing across liquidity provider network for best-available market pricing with reduced intermediary costs.
- Treasury and Yield Services: Yield generated on stablecoin balances through third-party issuers and protocol partners. Velocity facilitates access to yield strategies while managing treasury operations.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Multi-year contract | Enterprise platform with custom pricing |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels5 records
Velocity product offering
Product offeringCore offering
Velocity is an enterprise platform that unifies payments, settlement, treasury, and FX into a single API-first layer for moving fiat and stablecoins globally. It enables large enterprises, payment companies, and financial institutions to settle in real time 24/7/365, eliminate prefunding across jurisdictions, route FX at best execution across 30+ currencies, and earn yield on stablecoin balances, all while integrating into existing TMS/ERP systems and operating within ISO 27001 and SOC 2 compliant infrastructure.
Product overview
Velocity is a next-generation enterprise platform for payments and treasury solutions, powered by stablecoins and built for CFOs. The platform unifies Payments, Settlement, and Treasury into a single operating layer, enabling businesses to move money (fiat or stablecoins) anywhere, anytime. Velocity's architecture connects global banks, custodians, liquidity providers, and blockchain rails to support cross-border payments and real-time settlement across 30+ fiat currencies and stablecoins, with yield optimization capabilities for treasury balances.
Differentiator
Problem solved
Functional benefit
Products and services
- Payments Payments enables enterprises to send and receive fiat and stablecoins across borders 24/7/365 with fewer intermediaries, faster settlement, and reduced FX friction, integrated into existing TMS/ERP systems.
- Settlement Real-time settlement service that enables instant fund transfers across banks and blockchains without cutoff times, batch windows, or weekend delays, supporting 30+ fiat currencies and stablecoins.
- Treasury Treasury unifies fiat and stablecoin balances into an integrated treasury layer with full visibility, automated control, and yield optimization across global operations.
- Velocity API Platform REST API platform providing transfer quotes with currency pairs (e.g., USDC-EUR), wallet management, beneficiary management, real-time settlement, FX conversion, treasury operations, and travel-rule compliance, with documentation at docs.velocity.xyz.
Quantifiable outcome
- Settlement time reduced from 1-5 business days to minutes with real-time settlement 24/7/365
- +4 more outcomes
Companies that use Velocity
Customer profileNamed customers2 records
Segments5 records
Ideal customer profiles4 records
Velocity technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
Velocity partnerships and signals
Strategic signalPartnerships
Eleven partnerships are on record, tiered core and strategic.
- FireblockscoreStrategic infrastructure partner providing secure wallet architecture with institutional-grade controls. Enables complex approval flows, policy enforcement, segregation of assets, and operational resilience across jurisdictions for enterprise digital asset management.
- Zodia CustodycoreInstitutional custody partner backed by Standard Chartered, Northern Trust, and SBI. FCA-registered custodian with emphasis on security and compliance. Provides bank-grade custody through HSM-based infrastructure removing single-key risk and ensuring segregation and resilience.
- RevolutstrategicGlobal fintech partner. Mazen ElJundi, Global Head of Expansion Markets at Revolut, provides testimonial praising Velocity's approach to modern payments and treasury platform building.
- PaxosstrategicStablecoin issuer partner providing USDG (Paxos Global Dollar) and USDP (Pax Dollar) stablecoins. Nick Robnett, Head of Crypto Business at Paxos, provides testimonial noting USDG's availability through Velocity for business utility.
- CirclecoreMajor stablecoin issuer providing USDC and EURC stablecoins. Circle is a regulated fintech company operating global stablecoin infrastructure with $180B+ in cumulative transfer volume.
- TethercoreStablecoin issuer providing USDT (Tether), the world's largest stablecoin by market capitalization with the most trading liquidity globally.
- PayPalstrategicStablecoin issuer providing PYUSD (PayPal USD) stablecoin. Growing stablecoin integrated into PayPal's payment ecosystem for payments and transfers.
- RipplestrategicStablecoin issuer providing RLUSD (Ripple USD), a regulated stablecoin designed for enterprise payments and cross-border settlement on the XRP Ledger.
- AgorastrategicStablecoin issuer providing AUSD (Agora USD), a yield-bearing stablecoin structure representing an institutional shift toward interest-bearing financial primitives.
- Global Dollar (USDG)strategicStablecoin issuer providing USDG, a stablecoin that returns rewards to partners. Available through Velocity for business payments and treasury applications.
- Worldpay AlumnistrategicKey advisors and angel investors from Worldpay, PayPal, Stripe, and Visa who participated in the pre-seed funding round, bringing deep payments industry expertise.
Scale indicators4 records
Recent moves6 records
Expansion highlights6 records
Velocity competitors and assessment
Company assessmentDirect peers
- Circle: Circle issues USDC, the dominant enterprise stablecoin, and has expanded into payments, treasury, and cross-border settlement infrastructure. Direct competitor to Velocity, with a much larger balance sheet and proprietary stablecoin issuance.
- Ripple: Ripple provides cross-border payments infrastructure via RippleNet and has launched the RLUSD enterprise stablecoin. Targets the same Fortune 2000 / financial institution segment as Velocity with a settlement-focused value proposition.
- BVNK: BVNK is a London-based stablecoin payments platform providing enterprise-grade infrastructure for sending, receiving, and managing stablecoins. Closest direct peer by geography, target market (enterprises, PSPs), and product offering.
- Paxos: Paxos is a regulated stablecoin issuer (USDP, USDG) building infrastructure for enterprise digital asset payments and treasury. Overlaps with Velocity both as a stablecoin issuer and as a settlement/treasury platform for institutions.
- Bridge (Stripe): Bridge is a stablecoin orchestration platform acquired by Stripe in 2024. Provides APIs for stablecoin issuance, payments, and conversion — directly competing with Velocity's orchestration layer.
- Zero Hash: Zero Hash provides embedded stablecoin and digital asset infrastructure for fintechs, banks, and enterprises, including payments, settlement, and treasury APIs. Comparable orchestration and target customer base.
Emerging players
- Fireblocks: Fireblocks is Velocity's infrastructure partner for wallet and custody operations, but also offers its own payments and treasury solutions to enterprises. Direct overlap in target customers with Velocity's settlement and treasury product lines.
- Coinspaid: Coinspaid is a crypto payment gateway and enterprise stablecoin processing platform serving PSPs and merchants. Adjacent competitor with a more payments-merchant orientation but overlapping infrastructure.
Broad incumbents
- Stripe: Stripe is a global payments incumbent with growing stablecoin capabilities (including the Tempo blockchain via Bridge acquisition). Competes broadly with Velocity in cross-border payments and enterprise treasury.
- JPMorgan (Kinexys / Onyx): JPMorgan's Kinexys (formerly Onyx) is a permissioned blockchain-based settlement and tokenized deposit platform targeting large enterprises and financial institutions. Represents the bank-led alternative to Velocity's model.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
Velocity social profiles
Digital presenceVelocity compliance and trust
Trust signalCompliance2 records
Velocity financial estimates
Financial estimateRevenue estimate
Valuation estimate
Velocity leadership team
Management profileNumber of profiles
Profiles10 records
Velocity funding detail
Funding detailFunding overview
Funding rounds1 record
Investors8 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Velocity 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 Velocity
What does Velocity do?
Velocity is an enterprise platform that unifies payments, settlement, treasury, and FX into a single API-first layer for moving fiat and stablecoins globally. It enables large enterprises, payment companies, and financial institutions to settle in real time 24/7/365, eliminate prefunding across jurisdictions, route FX at best execution across 30+ currencies, and earn yield on stablecoin balances, all while integrating into existing TMS/ERP systems and operating within ISO 27001 and SOC 2 compliant infrastructure.
Is Velocity a public or private company?
Velocity is a private company. It is classified as venture growth investor backed and is currently operating.
When was Velocity founded?
Velocity was founded in 2025. It employs 11 to 50 people.
Where is Velocity based?
Velocity is headquartered in London, United Kingdom, in the Europe region.
How does Velocity make money?
Three revenue lines are on record. Transaction and Settlement Fees are the primary driver. The others are FX Conversion and Spread Revenue and treasury and Yield Services.
Who are Velocity's main competitors?
Direct peers on record are Circle, Ripple, BVNK, Paxos, Bridge (Stripe) and Zero Hash. Emerging players are Fireblocks and Coinspaid. Broad incumbents are Stripe and JPMorgan (Kinexys / Onyx).
Does Velocity have an API?
Yes. Velocity offers a REST API for payments and settlement. The API supports transfer quotes with currency pairs (e.g., USDC-EUR), wallet management, beneficiary management, and real-time settlement. Authentication uses Bearer tokens. Supports fiat and stablecoin transfers, FX conversions, and treasury operations across 30+ currencies. Developer documentation is at docs.velocity.xyz.
What industry is Velocity in?
Velocity's product category is Enterprise Stablecoin Payments & Treasury Infrastructure. Its primary akta.pro industry code is BPAMAFAL, Crypto Payments & Stablecoin Settlement Platforms, with a secondary code of FSAGABAA, Payment Orchestration Platforms. Its NAICS code is 522320 and its SIC code is 7373.