Better Payment Network
Better Payment Network is a BNB Chain-native programmable payment network that operates an on-chain FX market for fiat-pegged stablecoins, serving financial institutions, PSPs, cross-border merchants, and stablecoin issuers with 24/7 multi-stablecoin settlement across emerging and G7 corridors.
- Company typePrivate
- Founded2025
- HeadquartersWarsaw, Poland
- Headcount11–50
- GTM typeB2B and B2C
- OfferingSoftware
What Better Payment Network does
Better Payment Network (BPN), operated by Paymonade sp. z o.o. and headquartered in Warsaw, Poland, is a programmable payment network built natively on BNB Chain that creates an on-chain FX market for fiat-pegged stablecoins to replace traditional interbank and SWIFT rails for cross-border settlement. The platform supports multi-stablecoin minting, swapping, and burning across regional stablecoins including BBRL, TRYB, cNGN, MEXAS, and EURI, with liquidity aggregated from Binance CEX and BNB Chain DEXs (PancakeSwap, Curve, Aster) and institutional custody provided by Ceffu. BPN operates a CeDeFi architecture combining blockchain programmability with regulatory rigor, enabling 24/7 T+0 settlement versus traditional T+1/T+2 timelines, with stated cost reductions to roughly 30 basis points versus approximately 2 percent via conventional FX channels.
The company serves three primary customer segments: financial institutions and PSPs requiring institutional-grade cross-border rails, cross-border merchants needing global business-bank-account functionality with crypto-native efficiency, and stablecoin issuers seeking to expand token utility into real-world payment flows. BPN distributes through a dual model comprising a self-serve Launch App for end users and merchants and a quote-based enterprise/API/SDK channel for institutions, with white-label reselling rights granted to partners. Revenue is generated through FX spreads, settlement and transaction fees, yield on idle balances via the BPN Earn module (supported by Binance Earn), and API/SDK integration services. The company has established operational or corridor presence across Latin America, Africa, Asia, the Middle East, and Central Asia, with regulatory registrations as a Virtual Asset Service Provider in Poland and as a Money Service Business with FINTRAC in Canada.
Better Payment Network firmographics
Firmographics- Name
- Better Payment Network
- Legal name
- Paymonade sp. z o.o
- Website
- https://bpn.finance
- Company type
- Private
- Founded year
- 2025
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Better Payment Network is a BNB Chain-native programmable payment network that operates an on-chain FX market for fiat-pegged stablecoins, serving financial institutions, PSPs, cross-border merchants, and stablecoin issuers with 24/7 multi-stablecoin settlement across emerging and G7 corridors.
- Ownership category
- akta.pro rank
Better Payment Network industry classification
Industry- Product category
- Cross-Border Payment Infrastructure
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)
- SIC
- Finance Services (6199), Security & Commodity Brokers, Dealers, Exchanges & Services (6200)
- akta.pro primary industry
- Crypto Payments & Stablecoin Settlement Platforms (BPAMAFAL)
- akta.pro secondary industry
- Enterprise Payments & Tokenized Money (stablecoins, tokenized deposits, CBDC rails) (FSAPAIAJ)
Keywords
Where Better Payment Network is headquartered
LocationHeadquarters
- HQ city
- Warsaw
- HQ country
- Poland
- HQ region
- Europe
Offices2 records
Markets served
Better Payment Network business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Infrastructure, Operations, Marketing or Sales
Revenue model
- FX Spread / Conversion Fees: BPN earns revenue through FX spreads when converting between stablecoins or from stablecoin to fiat across its on-chain FX market. Users and businesses freely convert across jurisdictions with no gatekeepers, with pricing tracking Bloomberg FX benchmarks.
- Settlement and Transaction Fees: Fees charged for instant, borderless cross-border settlement using multi-stablecoin liquidity. The platform replaces traditional interbank rails and SWIFT with direct FX between stablecoins, enabling real-time settlement with guaranteed cost savings.
- BPN Earn - Yield on Idle Funds: The BPN Earn module, supported by Binance Earn, allows enterprises to earn yield on idle funds during settlement cycles, improving overall liquidity management and capital efficiency. This creates a yield-bearing stablecoin settlement experience.
- API/SDK Integration Services for Financial Institutions: Financial institutions and PSPs plug into BPN via API/SDK, reducing FX & float costs for merchants and unlocking new revenue by reselling BPN's infrastructure. White-labeling of BPN's payout infrastructure to clients.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Enterprise and Institutional Access via API/SDK with BPN Enterprise modules |
| Usage-based | Pay-as-you-go | Self-serve Launch App for end users |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels5 records
Better Payment Network product offering
Product offeringCore offering
Better Payment Network (BPN) is a programmable payment network built natively on BNB Chain that facilitates rapid global payments through a multi-stablecoin ecosystem. The platform creates a 24/7 on-chain FX market enabling direct FX between fiat-pegged stablecoins, replacing traditional interbank rails and SWIFT with instant, borderless, and permissionless settlement. BPN offers two product lines: BPN Enterprise (permissioned Wallet, Transfer, Earn, and Distribute modules for institutions and merchants via API/SDK) and BPN DEX (permissionless stablecoin liquidity pools and rewards for end users via the Launch App).
Product overview
Better Payment Network (BPN) is a programmable payment network built on BNB Chain for the multi-stablecoin era, consisting of two core products: BPN Enterprise (permissioned) and BPN DEX (permissionless). BPN Enterprise provides modular infrastructure including Wallet (asset management), Transfer (remittance with FX), Earn (yield generation), and Distribute (global mass payouts). BPN DEX offers permissionless access to Stables Pool and Stables Rewards for liquidity provision. The platform enables instant, low-cost cross-border settlement through its 24/7 on-chain FX market and settlement corridors across Latin America, Africa, and Asia, connecting G7 and emerging market stablecoins.
Differentiator
Problem solved
Functional benefit
Products and services
- BPN Enterprise Permissioned enterprise payment solution providing modular components for asset management, remittance with built-in best-execution FX, yield on idle balances, and global mass payouts. Targeted at financial institutions, PSPs, and cross-border merchants who integrate via API/SDK or white-label BPN's payout infrastructure.
- BPN Distribute
Quantifiable outcome
- Total transaction cost reduced to ~30 bps (~$0.30 per $100) vs. ~2% (~200 bps) via traditional FX and settlement channels
- +5 more outcomes
Companies that use Better Payment Network
Customer profileNamed customers3 records
Segments5 records
Ideal customer profiles4 records
Better Payment Network technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration7 records
Feature7 records
Better Payment Network partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered supporting and core.
- Amazon Web Services (AWS)supportingAWS enabled customers to settle cloud computing bills using BNB (the native token of BNB Chain) through Better Payment Network integration, allowing real-time, low-cost settlements with up to 70% reduced transaction fees compared to traditional payment processors. The partnership builds on a 2024 collaboration where Binance used AWS cloud services and generative AI to improve its KYC processes.
- Banking Circle (EURI)supportingEURI (Eurite Euro Token) is a euro-backed stablecoin issued by Banking Circle S.A., a Luxembourg-registered financial institution regulated by CSSF. EURI maintains a 1:1 peg with the euro with equivalent euro reserves in segregated fiduciary accounts. It is classified as an E-Money Token (EMT) under EU MiCA regulation. EURI is available on Ethereum (ERC-20) and BNB Smart Chain (BEP-20) and is listed on BPN DEX.
- CeffucoreBPN partnered with Ceffu, a leading institutional crypto custody platform (ISO 27001 & 27701 certified and SOC2 Type 1 & Type 2 attested), to enhance the security, liquidity, and capital efficiency of stablecoin-based cross-border settlements. The partnership integrates Ceffu's MPC technology and regulatory-compliant cold storage into BPN's multi-stablecoin payment network, enabling enterprises and payment institutions to store, transfer, and optimize digital asset positions safely on BNB Chain.
- BNB ChaincoreBNB Chain and BPN announced a strategic partnership to build a multi-stablecoin global settlement network on BNB Chain. BPN is the first payment network built on BNB Chain. The collaboration connects enterprise payments, FX settlement, and on-chain liquidity enabling faster and more efficient cross-border transactions. Sarah S, Head of Business Development at BNB Chain, stated this marks the beginning of BNB Chain's PayFi ecosystem.
- PancakeSwapsupportingBPN connects to PancakeSwap (for liquidity and on-chain arbitrage) as part of its multi-layered FX and payment environment on BNB Chain. PancakeSwap is a top BNB Chain DEX providing deep liquidity for stablecoin swaps within BPN's ecosystem.
- AstersupportingBPN connects to Aster (for derivatives and hedging functionalities) as part of its multi-layered FX and payment environment on BNB Chain. Aster provides derivatives functionality that complements BPN's stablecoin settlement and FX capabilities.
- CurvesupportingBPN connects to Curve (for low-slippage stablecoin swaps) as part of its multi-layered FX and payment environment on BNB Chain. Curve's low-slippage stablecoin exchange capability supports efficient FX conversion within BPN's settlement infrastructure.
- Braza Bank (BBRL)supportingBBRL (Brazilian Digital Real) is a fully compliant Brazilian Real (BRL) stablecoin issued by Braza Bank, Brazil's leading foreign exchange bank. Each BBRL token is backed by verified reserves held under the supervision of the Central Bank of Brazil, with 100% of reserves in BRL or equivalent cash assets. Deployed on Ethereum (ERC-20) and Binance Smart Chain (BSC), audited by a Big Four audit firm.
Scale indicators7 records
Recent moves6 records
Expansion highlights6 records
Better Payment Network competitors and assessment
Company assessmentBroad incumbents
- Wise (formerly TransferWise): Wise operates a global multi-currency account and cross-border money transfer network for consumers and businesses. Comparable as a high-scale, low-cost cross-border FX and settlement platform — but built on traditional banking rails rather than stablecoins, making it a hybrid incumbent / future competitor.
- Tether: Tether issues USDT, the largest USD stablecoin by circulation, and has expanded into payments, FX, and emerging-market corridors. Comparable as a stablecoin issuer with direct cross-border payment use cases, though BPN's positioning is more infrastructure/rails than issuer.
- MoneyGram: MoneyGram is a global remittance and cross-border payments incumbent that has been actively building stablecoin and blockchain rails (including the Stellar-based MoneyGram App). Comparable as a cross-border settlement provider targeting similar emerging-market corridors, though with a legacy agent-based model.
- Onyx by J.P. Morgan: Onyx by J.P. Morgan is JPMorgan's blockchain-based wholesale payments and tokenized deposit platform, including Liink for cross-border information exchange. Comparable as an institutional-grade, regulated cross-border payment and settlement network, though embedded within a major incumbent bank.
- SWIFT gpi: SWIFT gpi is the enhanced SWIFT messaging and tracking standard adopted by global banks to accelerate and track cross-border payments. The most direct incumbent competitor that BPN explicitly positions against, though operating on traditional correspondent-banking rails rather than stablecoins.
Direct peers
- Paxos: Paxos issues regulated stablecoins (USDP, PYUSD) and provides crypto brokerage, settlement, and tokenization infrastructure for enterprises. Comparable as a regulated stablecoin issuer with adjacent cross-border and settlement capabilities targeting financial institutions.
- Stellar Development Foundation: Stellar is a public blockchain purpose-built for cross-border payments, FX, and stablecoin issuance, with anchor partnerships similar to BPN's corridor model. Direct comparable as an on-chain multi-stablecoin settlement and FX network, though with a different chain and broader geographic footprint.
- Ripple: Ripple (XRP Ledger, RLUSD stablecoin, Ripple Payments / ODL) offers blockchain-based cross-border payments and FX to banks and PSPs. Direct competitor in on-chain settlement for cross-border corridors, though with a different anchor chain and longer operational history.
- Circle: Circle issues USDC, the largest regulated USD stablecoin, and has expanded into cross-border payments, FX, and settlement via Circle Payments Network. Directly comparable as a stablecoin-native settlement and FX network serving financial institutions and cross-border merchants, though with deeper balance sheet and direct issuer economics.
Emerging players
- Fireblocks: Fireblocks provides institutional digital asset custody, settlement, and tokenization infrastructure. Comparable as enabling infrastructure (custody + transfer) for BPN's institutional customers, with overlap in the multi-stablecoin payment and settlement stack.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Better Payment Network social profiles
Digital presenceBetter Payment Network compliance and trust
Trust signalCompliance5 records
Better Payment Network financial estimates
Financial estimateRevenue estimate
Valuation estimate
Better Payment Network leadership team
Management profileNumber of profiles
Profiles1 record
Better Payment Network subsidiaries and ownership
Company hierarchySubsidiaries1 record
Better Payment Network funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Better Payment Network 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 Better Payment Network
What does Better Payment Network do?
Better Payment Network (BPN) is a programmable payment network built natively on BNB Chain that facilitates rapid global payments through a multi-stablecoin ecosystem. The platform creates a 24/7 on-chain FX market enabling direct FX between fiat-pegged stablecoins, replacing traditional interbank rails and SWIFT with instant, borderless, and permissionless settlement. BPN offers two product lines: BPN Enterprise (permissioned Wallet, Transfer, Earn, and Distribute modules for institutions and merchants via API/SDK) and BPN DEX (permissionless stablecoin liquidity pools and rewards for end users via the Launch App).
Is Better Payment Network a public or private company?
Better Payment Network is a private company. It is classified as venture growth investor backed and is currently operating.
When was Better Payment Network founded?
Better Payment Network was founded in 2025. It employs 11 to 50 people.
Where is Better Payment Network based?
Better Payment Network is headquartered in Warsaw, Poland, in the Europe region.
How does Better Payment Network make money?
Four revenue lines are on record. FX Spread / Conversion Fees are the primary driver. The others are settlement and Transaction Fees, BPN Earn - Yield on Idle Funds and API/SDK Integration Services for Financial Institutions.
Who are Better Payment Network's main competitors?
Broad incumbents on record are Wise (formerly TransferWise), Tether, MoneyGram, Onyx by J.P. Morgan and SWIFT gpi. Direct peers are Paxos, Stellar Development Foundation, Ripple and Circle. Fireblocks is listed as an emerging player.
Does Better Payment Network have an API?
Yes. BPN provides developer-ready API and SDKs for financial institutions to automate complex payout flows while staying compliant. Financial institutions can monetize by white-labeling BPN's payout infrastructure to their clients. The API documentation is available at docs.bpn.finance. Developer documentation is at docs.bpn.finance/en/api.html.
What industry is Better Payment Network in?
Better Payment Network's product category is Cross-Border Payment Infrastructure. Its primary akta.pro industry code is BPAMAFAL, Crypto Payments & Stablecoin Settlement Platforms, with a secondary code of FSAPAIAJ, Enterprise Payments & Tokenized Money (stablecoins, tokenized deposits, CBDC rails). Its NAICS code is 522320 and its SIC code is 6199.