Beta

What Beta does

Beta (operating as Beta Ramps) is a London-registered financial technology company, founded in 2021, that operates an API-first payments infrastructure for cross-border money movement powered by stablecoins. The company's core offering comprises four product modules: Receive Payments (collection in stablecoins and fiat), Make Payouts (disbursements in local currencies), Exchange (24/7 stablecoin-fiat conversion), and Virtual Accounts (multi-currency segregated accounts), with an additional Crypto Payment Gateway and a Pay from Wallet feature enabling crypto wallet users to spend balances via debit card or wire transfer. The platform integrates with seven blockchain networks (Tron, Binance Smart Chain, Ethereum, Bitcoin, Ripple, Stellar, and Rootstock) and supports local fiat rails across Latin American markets including Brazil (PIX), Mexico (OXXO, SPEI), and other LATAM currencies.

The platform is targeted at B2B clients — fintechs, neobanks, payment processors, crypto wallets, DeFi protocols, e-commerce platforms, and digital marketplaces — with secondary use cases in real estate and automotive high-value transactions. Customer eligibility is gated by a USD 100,000 minimum annual FX transaction volume and six months of operational history, signaling a focus on mid-market and enterprise clients. The company differentiates on regulatory compliance (Brazilian Federal Revenue IN 1888 reporting, AML/KYC automation, GDPR, LGPD), pass-through KYC to reduce client onboarding friction, and cost economics claimed at 85% FX savings versus traditional rails.

Beta monetizes through transaction and processing fees on cross-border payments and crypto-fiat conversions, subscription/recurring fees tied to virtual account counts and supported currencies, and licensing for white-label API deployments. Pricing is fully custom and not publicly disclosed. Go-to-market is direct enterprise sales via contact form combined with self-serve developer documentation at docs.betaramps.com. The company holds an operating subsidiary in Brazil (BETA SERVICOS DIGITAIS LTDA) but has not disclosed funding rounds, ownership, leadership, named customers, or audited financials in available materials.

Name

Beta

Legal name

Beta Exchange Technologies Ltd

Website

https://betaramps.com

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

1–10 employees

Short description

Beta (Beta Ramps) is a London-based fintech that provides an API-first stablecoin-powered payments platform for cross-border transactions, virtual accounts, and crypto-fiat conversion, primarily serving fintechs, neobanks, crypto wallets, and e-commerce platforms across Latin America.

Ownership category

akta.pro rank

Headquarters

HQ city

West End

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Transaction/Processing Fees: Revenue generated from processing cross-border payments and crypto-fiat conversions. Pricing is tailored based on transaction volume and operating countries. Take rate from global competitors can reach as high as 10% (crypto markup + processing fee) for Brazil or Mexico transactions.
2. API Integration Services: White-label API integration for businesses requiring full control over payment process with own branding and design
3. Virtual Account Fees: Pricing tailored based on number of virtual accounts, currencies, and volume for multi-currency account management

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Beta provides an API-first payments network that lets businesses collect, disburse, exchange, and account for funds in foreign currencies, stablecoins, and crypto. The platform supports multi-currency virtual accounts, 24/7 crypto-fiat exchange, white-label and hosted integrations, and automated compliance reporting across Latin American corridors.

Product overview

Beta is a payments network powered by stablecoins, offering a modular platform for cross-border payments and crypto-fiat conversions. The core portfolio consists of Receive Payments (for collecting crypto/fiat), Make Payouts (for disbursements), Exchange (for on/off ramps), and Virtual Accounts (for multi-currency treasury management), all accessible via API. The Crypto Payment Gateway product enables merchants to accept crypto and receive fiat settlements, while Pay from Wallet allows crypto wallet users to pay for goods and services directly. Beta serves businesses in e-commerce, professional services, software development, and digital marketplaces, with primary coverage in Latin America and supported blockchain networks including Tron, Ethereum, Bitcoin, Ripple, Stellar, and Rootstock.

Differentiator

Problem solved

Functional benefit

Products and services

• Receive Payments Enables merchants to collect payments in both stablecoins and fiat currencies, with automatic conversion and settlement to bank accounts.
• Make Payouts Facilitates disbursements in local fiat currencies using stablecoins as the underlying rail, enabling cross-border money movement.
• Exchange 24/7 platform for exchanging stablecoins with fiat assets and vice versa, enabling on/off ramps for crypto wallets and DeFi applications.
• Virtual Accounts Multi-currency segregated digital accounts providing access to major payment schemes for marketplaces and agencies, with pool balance wallets and sub-account wallets for treasury management.
• Crypto Payment Gateway Allows merchants to accept cryptocurrency payments and receive funds in their preferred fiat currency, with automatic conversion and compliance handling.

Quantifiable outcome

• 85% FX savings compared to traditional cross-border payment rails
• +2 more outcomes

Segments6 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature6 records

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Circle: Circle is the issuer of USDC and offers APIs for minting, redeeming, and moving stablecoins, sitting one layer below Beta but increasingly competing for the same API-first fintech treasury and payments use cases.
• Ripple: Ripple provides enterprise-grade cross-border payment infrastructure including the RLUSD stablecoin and XRP-based rails, competing with Beta in the same cross-border remittance and treasury use cases for banks and fintechs.
• MoonPay: MoonPay operates a much broader crypto payments and on-ramp platform with fiat off-ramps and merchant tools, overlapping with Beta's crypto-to-fiat exchange and payment gateway products but at significantly greater scale.

Direct peers

• BVNK: BVNK offers cross-border payment infrastructure combining stablecoins and traditional rails with virtual accounts, competing head-to-head with Beta in serving merchants, PSPs, and platforms moving money internationally.
• Ramp Network: Ramp Network provides fiat-to-crypto on-ramp APIs with multi-network support, directly comparable to Beta's Exchange product and virtual account features for crypto wallets and DeFi applications.
• Transak: Transak provides crypto on/off-ramp APIs and payment infrastructure similar to Beta's Exchange and Pay-from-Wallet products, targeting wallets, DeFi protocols, and fintechs across emerging markets.
• Bridge (Stripe-owned): Bridge provides stablecoin orchestration and issuance APIs for businesses, directly overlapping with Beta's multi-network stablecoin payment and virtual account infrastructure serving fintechs and crypto companies.

Emerging players

• Alchemy Pay: Alchemy Pay offers a crypto payment gateway and on/off-ramp network for merchants and fintechs, overlapping with Beta's Crypto Payment Gateway and Exchange products across emerging markets.

Regional players

• Mercado Bitcoin: Mercado Bitcoin is a leading Brazilian crypto platform with B2B payment and on-ramp services, competing with Beta's Brazil-focused stablecoin and BRL on/off-ramp capabilities for fintech and merchant clients.
• Bitso: Bitso is the largest crypto exchange in Latin America with on/off-ramps and B2B payment services across Mexico, Brazil, and Argentina, directly competing with Beta for LATAM fintech and wallet on-ramp volumes.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/betaramps
• LinkedInlinkedin.com/company/betaramps

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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 Beta