OSL Pay
OSL Pay is a B2B crypto on/off-ramp infrastructure provider offering API-based fiat-to-crypto conversion, OTC trading, and upcoming card issuing services for merchants, fintech platforms, and dApps, operating across Europe, Australia, and selected markets under VASP and MiCA licensing.
- Company typePrivate
- Founded2025
- HeadquartersItala, Italy
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What OSL Pay does
OSL Pay is a B2B crypto on/off-ramp infrastructure provider that enables merchants, fintech platforms, exchanges, and dApps to embed fiat-to-crypto and crypto-to-fiat conversion directly into their products. The company operates through its Netherlands-incorporated legal entity EU Internet Ventures B.V. (Amsterdam HQ) and is backed by OSL Group (HKEX: 863), a Hong Kong-listed regulated digital asset pioneer. Its core product suite consists of a full-stack On & Off Ramp API, a Crypto OTC desk for large-volume institutional trades, and an upcoming Card Issuing product (high-limit USD Visa Platinum). Underlying technology includes real-time price optimization across 10+ global liquidity providers, a multi-component spread engine, VASP licensing, AFM/MiCA-compliant onboarding, and integrated KYC/AML/fraud infrastructure.
The platform monetizes via a transaction-based model: a 1.8% ramp fee on card and digital-wallet transactions, network (gas) pass-through fees, layered spreads (Channel 0.5–5%, Liquidity 0.1–0.15%, FX Risk 0–1.2%, Buffer 0–0.2%), fiat deposit/withdrawal fees (0–4% deposits, 0–0.5% withdrawals), and referral commissions from third-party platform partners. Fiat deposits and withdrawals are processed through card networks and Heuro SAS—an ACPR-authorized Electronic Money Institution—for EUR rails. Go-to-market combines API-first self-serve developer integration, direct enterprise outreach via a partner inquiry form with 1-on-1 account management, and a Referral Website channel-partner program.
OSL Pay holds regulatory credentials that materially shape its addressable market: a VASP license, AFM Crypto Asset Service Provider registration (No. 41000017) supervised for MiCA compliance, KYC/AML compliance globally, and 24/7 anti-fraud monitoring with biometric identity verification. Operating geographies span the Netherlands, Italy, the UK, Australia, Canada, Brazil, and Turkey, with restricted jurisdictions explicitly listed (including the US, Russia, Iran, North Korea, and several sanctioned territories). The company has 51–100 employees, received a $200M funding allocation in February 2026 to scale European operations, and is led by CEO Jing W.
OSL Pay firmographics
Firmographics- Name
- OSL Pay
- Legal name
- EU Internet Ventures B.V.
- Website
- https://osl-pay.com
- Company type
- Private
- Founded year
- 2025
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- OSL Pay is a B2B crypto on/off-ramp infrastructure provider offering API-based fiat-to-crypto conversion, OTC trading, and upcoming card issuing services for merchants, fintech platforms, and dApps, operating across Europe, Australia, and selected markets under VASP and MiCA licensing.
- Ownership category
- akta.pro rank
OSL Pay industry classification
Industry- Product category
- Crypto Payment Infrastructure
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- SIC
- Security & Commodity Brokers, Dealers, Exchanges & Services (6200), Commodity Contracts Brokers & Dealers (6221)
- akta.pro primary industry
- On/Off-Ramp Providers (Fiat↔Crypto) & Cash-In/Cash-Out Networks (FSADAIAE)
- akta.pro secondary industries
- OTC Spot Trading & Block Execution (FSADAJAB), Crypto Payment Gateways & Checkout APIs (FSADAIAA), Crypto Payments & Stablecoin Settlement Platforms (BPAMAFAL)
Keywords
Where OSL Pay is headquartered
LocationHeadquarters
- HQ city
- Itala
- HQ country
- Italy
- HQ region
- Europe
Offices3 records
Markets served
OSL Pay business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Infrastructure, Marketing or Sales
Revenue model
- Ramp Fees: Transaction fees charged on crypto buy and sell orders. BUY and SELL transactions with Cards, Apple Pay, and Google Pay incur a 1.8% Ramp Fee. The Ramp fee covers payment processing and chargeback costs.
- Network Fees: Fees covering blockchain gas fees associated with buying, sending, or transferring crypto-assets. Determined based on network fees paid on recent transactions on that blockchain. Displayed as a line item fee.
- Spreads: OSL Pay adds spreads to the base price obtained from independent third-party pricing providers. Total spread includes Channel Spread (0.5-5%), Liquidity Spread (0.1-0.15%), FX Risk Spread (0-1.2%), and Buffer (0-0.2%).
- Fiat Deposit/Withdrawal Fees: Fees applied to fiat deposits (0-4%) and withdrawals (0-0.5% or fixed fee of approximately 0-40 local fiat currency), including charges from payment partners.
- Referral Commissions: OSL Pay may receive commissions and other financial benefits from Referrers (third-party websites that integrate OSL Pay's API/SDK) in relation to services provided to referred customers.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Card & Digital Wallet Transactions |
| Transaction based/ take rate | Pay-as-you-go | Fiat Deposit |
| Transaction based/ take rate | Pay-as-you-go | Fiat Withdrawal |
| Transaction based/ take rate | Pay-as-you-go | Buy Transaction Spreads |
| Transaction based/ take rate | Pay-as-you-go | Sell Transaction Spreads |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels6 records
OSL Pay product offering
Product offeringCore offering
OSL Pay provides a VASP-licensed crypto on-ramp and off-ramp infrastructure platform that enables businesses to convert between fiat and cryptocurrencies via a full-stack API suite. The platform supports multiple payment methods (cards, Apple Pay, Google Pay, bank transfers), real-time price optimization across 10+ institutional liquidity providers, and 100% KYC/AML-compliant onboarding. It also offers a Crypto OTC service for institutional-grade large-volume fiat-crypto trades with personalized account management.
Product overview
OSL Pay is a crypto on and off-ramp platform offering a suite of API-driven services for seamless fiat-to-crypto and crypto-to-fiat transactions. Its core product portfolio consists of the On & Off Ramp service (a full-stack API suite for customized business solutions), Crypto OTC (a crypto-native banking infrastructure for institutional-grade fiat-crypto transactions), and an upcoming Card Issuing product (high-limit USD Visa Platinum cards). The platform is VASP-licensed, backed by OSL (HKEX: 863), and emphasizes secure, compliant, and regulated transactions with 100% KYC/AML compliance, competitive real-time pricing, institutional-grade liquidity from 10+ global providers, and personalized 1-on-1 account management with tailored integration options.
Differentiator
Problem solved
Functional benefit
Products and services
- On & Off Ramp Full-stack API suite enabling businesses to integrate crypto on-ramp (fiat-to-crypto) and off-ramp (crypto-to-fiat) functionality into their platforms. Supports multiple payment methods (cards, Apple Pay, Google Pay, bank transfers) and offers tailored integration options with 1-on-1 account management. Built for fintech platforms, crypto exchanges, dApps, and digital service providers.
- Crypto OTC Crypto-native banking infrastructure for executing large-volume over-the-counter fiat-to-crypto and crypto-to-fiat transactions with dedicated support. Targeted at institutional and high-volume traders requiring competitive pricing, minimal slippage, and personalized service.
Quantifiable outcome
- Settlement with minimal slippage through 10+ institutional liquidity providers
- +1 more outcomes
Companies that use OSL Pay
Customer profileSegments3 records
Ideal customer profiles2 records
OSL Pay technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability4 records
Feature6 records
OSL Pay partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core.
- OSL (HKEX: 863)coreOSL Pay is part of OSL, a regulated digital asset pioneer listed on Hong Kong Stock Exchange (HKEX: 863). OSL Pay extends OSL's regulatory foundation to deliver trusted, compliant ramp services. OSL provides the regulatory backing, institutional credibility, and infrastructure that OSL Pay leverages for its VASP-licensed operations.
- Heuro SAS (OuiTrust)coreHeuro SAS, operating as Heuro and OuiTrust, is an ACPR-authorised Electronic Money Institution (Licence No. 17478) facilitating Euro (EUR) fiat deposits and withdrawals for OSL Pay. All EUR fiat funds are received, held, safeguarded, and administered by Heuro in segregated accounts per applicable regulations. Located at 1 Rue de la Bourse, 75002 Paris, France.
- 10+ Global Liquidity ProviderscoreOSL Pay accesses 10+ top global liquidity providers enabling fast, reliable settlement with minimal slippage. The institutional-grade liquidity network supports competitive pricing and execution quality across multiple blockchain networks and payment methods.
- Third-Party Pricing ProviderscoreIndependent third-party pricing providers supply base prices for crypto-assets which OSL Pay uses to calculate quotes by adding spreads. This ensures competitive market pricing with real-time price optimisation.
- Identity Verification PartnerscoreThird-party identity verification services and credit bureaus assist with KYC compliance, biometric verification (facial recognition), sanctions screening, and fraud prevention. Biometric information may be shared with service providers to facilitate identity verification.
Scale indicators4 records
Recent moves6 records
Expansion highlights6 records
OSL Pay competitors and assessment
Company assessmentBroad incumbents
- BitPay: BitPay offers crypto payment processing, on-ramp APIs, and card solutions for merchants and platforms. It competes with OSL Pay on fiat-crypto payment flows but is a more established, broader payments brand with consumer wallet exposure.
- Circle: Circle issues USDC and provides crypto liquidity, on/off-ramp infrastructure, and developer APIs. While primarily a stablecoin issuer, its fiat on/off-ramp and treasury APIs overlap with parts of OSL Pay's ramp and stablecoin settlement positioning.
- Coinbase Commerce / Coinbase Prime: Coinbase operates a major crypto exchange, Coinbase Prime brokerage/OTC desk, and on/off-ramp services. It competes with OSL Pay across ramp APIs and OTC, but as part of a much broader exchange and custody franchise rather than a pure-play ramp specialist.
Direct peers
- Ramp Network: Ramp Network provides a fiat-to-crypto on-ramp API and SDK that platforms integrate to let end-users buy crypto with cards and local payment methods. It directly competes with OSL Pay's on/off-ramp API product and serves a similar B2B platform/fintech customer base.
- MoonPay: MoonPay is one of the largest crypto on/off-ramp providers, offering fiat-to-crypto and crypto-to-fiat APIs, checkout, and OTC services to platforms and merchants globally. It competes head-to-head with OSL Pay on ramp APIs, payment-method coverage (cards, Apple Pay, bank transfers), and institutional liquidity.
- Sardine: Sardine provides crypto on/off-ramp APIs combined with fraud and compliance infrastructure for platforms. Its overlap with OSL Pay is strongest on the ramp API plus KYC/AML and 24/7 fraud monitoring layer that OSL Pay emphasizes in its value proposition.
- Transak: Transak offers a global crypto on-ramp API/SDK with extensive local payment method coverage, KYC compliance, and fiat settlement to dApps, wallets, and exchanges. It is one of OSL Pay's closest functional competitors on API-first ramp infrastructure for platforms.
- Onramper: Onramper is a fiat-to-crypto aggregator that lets platforms integrate a single API to access multiple on-ramp providers. It overlaps with OSL Pay's referral/integration model and competes for the same platform integrators, though from an aggregation rather than single-provider angle.
- Banxa: Banxa provides fiat-to-crypto on/off-ramp infrastructure with global coverage, regulatory registrations, and B2B API integrations. It is publicly listed and competes directly with OSL Pay on regulated ramp services for platforms and exchanges.
Others
- OSL (parent): OSL is a Hong Kong-listed digital asset platform (HKEX: 863) providing exchange, brokerage, custody, and SaaS services. As OSL Pay's parent, OSL provides regulatory standing, institutional liquidity, and brand credibility, but is broader than OSL Pay's specialized ramp focus.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
OSL Pay social profiles
Digital presenceOSL Pay compliance and trust
Trust signalCompliance4 records
OSL Pay financial estimates
Financial estimateRevenue estimate
Valuation estimate
OSL Pay leadership team
Management profileNumber of profiles
Profiles1 record
OSL Pay funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
OSL Pay 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 OSL Pay
What does OSL Pay do?
OSL Pay provides a VASP-licensed crypto on-ramp and off-ramp infrastructure platform that enables businesses to convert between fiat and cryptocurrencies via a full-stack API suite. The platform supports multiple payment methods (cards, Apple Pay, Google Pay, bank transfers), real-time price optimization across 10+ institutional liquidity providers, and 100% KYC/AML-compliant onboarding. It also offers a Crypto OTC service for institutional-grade large-volume fiat-crypto trades with personalized account management.
Is OSL Pay a public or private company?
OSL Pay is a private company. It is classified as corporate owned and is currently operating.
When was OSL Pay founded?
OSL Pay was founded in 2025. It employs 51 to 100 people.
Where is OSL Pay based?
OSL Pay is headquartered in Itala, Italy, in the Europe region.
How does OSL Pay make money?
Five revenue lines are on record. Ramp Fees are the primary driver. The others are network Fees, spreads, fiat Deposit/Withdrawal Fees and referral Commissions.
Who are OSL Pay's main competitors?
Broad incumbents on record are BitPay, Circle and Coinbase Commerce / Coinbase Prime. Direct peers are Ramp Network, MoonPay, Sardine, Transak, Onramper and Banxa. OSL (parent) is listed as an others.
Does OSL Pay have an API?
No public API is recorded for OSL Pay.
What industry is OSL Pay in?
OSL Pay's product category is Crypto Payment Infrastructure. Its primary akta.pro industry code is FSADAIAE, On/Off-Ramp Providers (Fiat↔Crypto) & Cash-In/Cash-Out Networks, with a secondary code of FSADAJAB, OTC Spot Trading & Block Execution. Its NAICS code is 52232 and its SIC code is 6200.