Atrya

What Atrya does

Atrya is a Hamburg-based fintech, legally registered as Caplend Technologies GmbH, building programmable money infrastructure on e-money tokens (EMTs). Its core architecture is a native Payment Service Provider (PSP) design that collapses payment intent, settlement, and compliance into a single regulated ledger, connecting payment rails such as SEPA, PIX, and CLABE to deliver cross-border B2B payouts with same-day settlement, deterministic FX at interbank mid rate, and compliance embedded at the ledger layer. The company operates under MiCA licensing with BaFin supervision in Germany, with EMTs structured to comply with both MiCAR in Europe and the GENIUS Act in the US.

Atrya's product suite comprises four surfaces: the Atrya Gateway API for global B2B payouts, Cross-Border Payouts targeting PSPs and finance teams, Embedded Payment Infrastructure (B2B2X) for ERP, treasury, orchestrator, and marketplace platforms, and Agentic Payments, which issues regulated EMT wallets to AI agents with spend limits, allowlists, and audit trails enforced at the protocol level. Regulated execution is delivered through a partnership with HansePay, a BaFin-supervised, MiCA-licensed platform providing direct interbank FX access and ring-fenced client funds across 50+ corridors.

The company is founder-led by Lorian Qorraj (CEO) and Benjamin James (Co-Founder & Head of Technology), with an additional co-founder identified as Julia Beermann (COO), and operates from Hamburg and Riga. GTM is API-first and direct, running through a private beta with a limited set of design partners and a waitlist; revenue, once generated, is expected to come from transaction fees on cross-border payouts, embedded infrastructure licensing, and agentic payment wallet and settlement services. The company is currently in private beta and pre-revenue, having closed a €1.52 million round in November 2025 led by Gnosis with Heartfelt Capital and IFB Innovationsstarter.

Name

Atrya

Legal name

Caplend Technologies GmbH

Website

https://atrya.io

Company type

Private

Founded year

2024

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Product category

Cross-Border Payments Infrastructure

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Finance Services (6199), Security & Commodity Brokers, Dealers, Exchanges & Services (6200)

akta.pro primary industry

Payouts, Disbursements & Mass Payments Infrastructure (FSAGABAN)

akta.pro secondary industries

Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB), B2B Crypto Payouts, Mass Payments & Treasury Disbursements (FSADAIAF)

Keywords

• Cross-border payments infrastructure
• E-money token platform
• Programmable payment API
• AI agent wallets
• Embedded payment infrastructure

Headquarters

HQ city

Hamburg

HQ country

Germany

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Cross-Border Payment Services: Revenue generated from cross-border B2B payouts through API access - deterministic FX pricing and settlement fees across 50+ corridors.
2. Embedded Payment Infrastructure: B2B2X infrastructure licensing where fintech platforms, ERP and treasury software, payment orchestrators, and marketplaces embed Atrya for multi-currency settlement without becoming regulated entities themselves.
3. Agentic Payments: Wallet and settlement rail services for AI agents - programmatic treasury and payment infrastructure for autonomous systems.

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

Atrya builds a programmable money infrastructure on e-money tokens (EMTs), offering a single API for cross-border B2B payouts that unifies payment intent, settlement, and compliance on a regulated ledger. It serves PSPs, fintechs, marketplaces, ERP/treasury platforms, and AI agent platforms with deterministic FX, same-day settlement across 50+ corridors, embedded B2B2X payment infrastructure, and regulated agent wallets for autonomous AI systems.

Product overview

Atrya is a native Payment Service Provider (PSP) for programmable money, offering a unified payment infrastructure built on e-money tokens (EMTs). The platform provides three integrated products: Atrya Gateway serves as the core API layer; Cross-Border Payouts delivers global B2B payments replacing SWIFT correspondent banking with 50+ corridors and deterministic FX; and Agentic Payments provides AI-native wallet infrastructure for autonomous agents. Embedded Payment Infrastructure allows B2B fintechs and platforms to embed settlement capabilities without regulatory burden. All products operate on a single regulated ledger where intent equals settlement, powered by HansePay for regulated execution.

Differentiator

Problem solved

Functional benefit

Products and services

• Atrya Gateway Core API infrastructure providing cross-border B2B payouts with deterministic FX, instant settlement, and compliance handled at the ledger level. Targeted at PSPs, fintechs, marketplaces, and finance teams paying suppliers and contractors across borders.
• Cross-Border Payouts Global B2B payment product replacing SWIFT correspondent banking with deterministic FX at interbank mid rate (0% markup), same-day settlement across 50+ corridors, and compliance embedded at the ledger layer via MiCA-licensed, BaFin-supervised infrastructure.
• Embedded Payment Infrastructure (White-Label & B2B2X) Infrastructure layer that B2B fintechs, ERP and treasury platforms, payment orchestrators, and marketplaces embed to ship multi-currency settlement, EMT payouts, and programmable treasury without becoming regulated entities themselves.
• Agentic Payments Wallet and settlement rail designed specifically for AI agents — providing programmable wallets, real-time settlement, and compliance built into the ledger layer. Enables autonomous procurement, pay-per-inference billing, multi-agent coordination, and cross-border treasury for AI platforms and agent frameworks.

Quantifiable outcome

• Cross-border settlement reduced from 3 days to minutes through elimination of correspondent banking intermediaries
• +3 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability4 records

Feature6 records

Partnerships

One partnership is on record.

• HansePaycoreChannel Partner/ Reseller/ DistributorAtrya's cross-border capability runs on HansePay - the regulated payments platform built for European B2B. Where Atrya handles the programmable layer, HansePay provides the regulated execution: direct interbank FX access, ring-fenced client funds, and same-day settlement across 50+ corridors. HansePay is BaFin-supervised and MiCA-licensed. Atrya powers the HansePay Gateway shown in product demonstrations.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Bridge (Stripe-owned): Bridge provides stablecoin API infrastructure for businesses to move money globally, including for agentic/AI commerce. Recently acquired by Stripe. Direct comparable to Atrya's programmable e-money infrastructure for B2B payouts and embedded use cases.
• OpenPayd: OpenPayd provides embedded finance and payment infrastructure (accounts, FX, payouts) via a single API for platforms. Comparable in serving fintechs and platforms with embedded multi-currency payout infrastructure under a regulated wrapper.
• BVNK: BVNK provides embedded payment infrastructure for cross-border B2B payouts combining stablecoins and traditional rails, targeting PSPs, fintechs, and platforms. Closely comparable product, target customer base (PSPs, fintechs, marketplaces), and B2B2X distribution model.

Broad incumbents

• Ripple: Ripple is a blockchain-based cross-border payments network (RippleNet, ODL, RLUSD stablecoin) targeting B2B payouts and remittances. Directly comparable to Atrya in pursuing blockchain-native correspondent banking replacement, though at much larger scale and broader corridor coverage.
• Circle: Circle issues USDC and provides stablecoin-based payment infrastructure including cross-border settlement and treasury APIs. Comparable on the e-money token / regulated stablecoin primitive underpinning EMT-based cross-border payouts.
• Wise: Wise offers cross-border B2B payouts and multi-currency accounts with interbank-mid FX and fast settlement. Comparable on the cross-border B2B payout use case and interbank FX pricing claim, though delivered via traditional rails rather than EMT/on-chain FX.

Others

• Fireblocks: Fireblocks provides digital asset custody, treasury, and payment operations infrastructure for institutions. Comparable as enabling infrastructure for regulated digital asset payment flows, though focused on custody/operations rather than the cross-border payout product.

Emerging players

• Yellow Card: Yellow Card provides cross-border B2B payments and stablecoin rails across emerging markets. Comparable on the regulated on/off-ramp and emerging-market corridor strategy, particularly for markets where Atrya plans to expand beyond Europe.
• Conduit (formerly Payfa): Conduit offers stablecoin-powered cross-border payouts and treasury APIs. Comparable on the cross-border B2B payouts via stablecoins wedge and developer-first API distribution model.

Regional players

• Volt.io: Volt.io provides open banking payment infrastructure (A2A, payouts) across Europe. Comparable as a European payment infrastructure player enabling real-time payouts, though focused on open banking rather than EMT/on-chain FX.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/atrya-infrastructure

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds1 record

Investors3 records

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 Atrya