Starlynk
Starlynk is a Singapore-based fintech operating an AI-powered Mastercard-linked digital payment platform serving 500,000+ users across 210+ countries with multi-currency wallets, crypto-to-fiat conversion, RWA tokenization, and a three-tier subscription model.
- Company typePrivate
- Founded2023
- HeadquartersSingapore, Singapore
- Headcount11–50
- GTM typeB2C
- OfferingSoftware
What Starlynk does
Starlynk is a Singapore-headquartered fintech that operates an AI-powered digital payment platform built on Mastercard infrastructure. The platform combines a multi-currency wallet (25+ currencies), a crypto-to-fiat bridge supporting Bitcoin, Ethereum, and top altcoins, and an RWA tokenization marketplace extending into real estate, gold, and carbon credits. Its core product is a Mastercard-linked wallet available in three subscription tiers — Basic ($4.99/month), Premium ($12.99/month with a metal physical card), and Business ($29.99/month with team cards and unlimited spending) — supplemented by a suite of sub-products including Starlynk Nexus (unified gateway), AI Copilot, Compliant DID Wallet, and the Digital Social Ecosystem.
The technology stack layers proprietary AI on top of Mastercard's global acceptance network (80+ million merchants across 210+ countries). Starlynk's AI is applied to fraud detection (claiming 99.7% accuracy), KYC automation, real-time currency conversion, and transaction-level security combining biometric verification, behavioral analytics, and blockchain immutability. The platform holds PCI DSS Level 1, SOC 2 Type II, GDPR, and KYC/AML compliance, with explicit positioning for CBDC compatibility through its on-chain KYC wallet. The company claims over 500,000 users globally and reports <1 minute average support response time with 98% first-contact resolution.
The business model combines recurring subscription revenue (three tiers) with transaction-based revenue from FX spreads, crypto-to-fiat conversion margins, and cross-border transfer fees. Distribution is exclusively product-led and self-serve via iOS and Android app stores, with community-driven growth amplified by a $25 referral credit. The company has secured flagship partnerships with Goldman Sachs and McKinsey for asset structuring within the RWA ecosystem, alongside its core Mastercard integration.
Starlynk firmographics
Firmographics- Name
- Starlynk
- Legal name
- Starlynk
- Website
- https://slkpay.com
- Company type
- Private
- Founded year
- 2023
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Starlynk is a Singapore-based fintech operating an AI-powered Mastercard-linked digital payment platform serving 500,000+ users across 210+ countries with multi-currency wallets, crypto-to-fiat conversion, RWA tokenization, and a three-tier subscription model.
- Ownership category
- akta.pro rank
Starlynk industry classification
Industry- Product category
- Digital Payments
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Securities and Commodity Exchanges (523210)
- SIC
- Finance Services (6199), Security & Commodity Brokers, Dealers, Exchanges & Services (6200)
- akta.pro primary industry
- Crypto Card Issuing & Card Programs (Debit/Credit/Prepaid) (FSADAIAC)
- akta.pro secondary industries
- On/Off-Ramp Providers (Fiat↔Crypto) & Cash-In/Cash-Out Networks (FSADAIAE), Crypto Merchant Acquirers & PSPs (Payment Service Providers) (FSADAIAB), Enterprise Payments & Tokenized Money (stablecoins, tokenized deposits, CBDC rails) (FSAPAIAJ)
Keywords
Where Starlynk is headquartered
LocationHeadquarters
- HQ city
- Singapore
- HQ country
- Singapore
- HQ region
- Asia
Offices1 record
Markets served
Starlynk business model
Business model- GTM type
- B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Subscription Plans: Three-tier monthly subscription model: Basic ($4.99/month), Premium ($12.99/month), and Business ($29.99/month). Each tier unlocks progressively higher spending limits, currency support, and features including cashback rewards (0.5% Premium, 1% Business).
- Currency Exchange Spreads: AI-powered currency conversion engine generates revenue through exchange rate margins. The platform claims users save $422 annually vs. traditional banking, suggesting competitive spread-based pricing on 25+ currency pairs.
- Crypto-to-Fiat Conversion: Platform converts cryptocurrency to fiat currency at competitive market rates, earning spread revenue during the conversion process. Cold storage and multi-signature security maintained during conversion.
- International Transfers: Cross-border payment services leveraging Mastercard global acceptance network with dramatically reduced fees vs. conventional banking, generating revenue through transfer fees and FX margins.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Basic virtual Mastercard for entry-level users |
| Subscription | Monthly | Metal physical card for frequent international users |
| Subscription | Monthly | Multi-user business plan with unlimited spending |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels4 records
Starlynk product offering
Product offeringCore offering
Starlynk operates an AI-powered digital payment platform centered on a Mastercard-linked multi-currency wallet supporting 25+ global currencies. The platform provides cross-border payments, a crypto-to-fiat bridge for Bitcoin, Ethereum, and top altcoins, AI-driven fraud detection, and an integrated RWA Exchange marketplace for tokenizing and trading real-world assets such as real estate, gold, and carbon credits.
Product overview
Starlynk is a unified AI-powered digital payment platform that bridges traditional finance with Web3 capabilities. The platform centers on a Mastercard-linked wallet (offered in Basic, Premium, and Business tiers) enhanced by multiple specialized modules: the Multi-Currency Wallet supporting 25+ currencies with AI-optimized exchange rates, the Crypto-to-Fiat Bridge for Bitcoin/Ethereum/altcoin conversion, and Intelligent Fraud Protection using adaptive AI with 99.7% accuracy. The ecosystem extends through complementary platforms including RWA Exchange for real-world asset tokenization (real estate, gold, carbon credits), Compliant DID Wallet with on-chain KYC and CBDC compatibility, Starlynk AI Copilot for risk and yield analysis, and the Digital Social Ecosystem. Starlynk Nexus serves as the unified gateway to access all these services.
Differentiator
Problem solved
Functional benefit
Brands
- Starlynk AI Copilot: AI-powered platform for risk control, liquidity analysis, and yield prediction
- Starlynk Gold
- Starlynk RWA
- Starlynk Nexus
- Web3 KYC
- Digital Social Ecosystem
Products and services
- Starlynk Platform AI-powered digital payment platform with a Mastercard-linked multi-currency wallet, featuring crypto-to-fiat conversion, AI-driven fraud detection, and global acceptance across 210+ countries. Targeted at individual consumers needing low-cost cross-border payments.
- Starlynk Nexus
Quantifiable outcome
- Fraud incidents reduced by 99.7% in 2023, outperforming traditional banking security protocols
- +5 more outcomes
Companies that use Starlynk
Customer profileSegments3 records
Ideal customer profiles3 records
Starlynk technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration5 records
AI capability5 records
Feature7 records
Starlynk partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core and flagship.
- MastercardcoreMastercard provides the underlying payment card infrastructure for Starlynk's AI-powered digital wallet. All Starlynk cards are Mastercard-branded and leverage Mastercard's global acceptance network of 80+ million merchants across 210+ countries and territories. This enables instant global card acceptance for Starlynk users across virtual and physical (metal) Mastercard products.
- Goldman SachsflagshipCollaboration with Goldman Sachs for asset structuring within the RWA ecosystem. As part of the Web3 KYC standard initiative, Goldman Sachs provides expertise in structuring real-world assets for tokenization, including real estate, gold, and carbon credits on the RWA Exchange platform.
- McKinsey & CompanyflagshipCollaboration with McKinsey for research and asset structuring within the RWA ecosystem. McKinsey contributes strategic research and expertise to the Web3 KYC standard initiative, supporting the development of compliance-grade asset structuring for the tokenized real-world asset marketplace.
Scale indicators5 records
Recent moves6 records
Expansion highlights6 records
Starlynk competitors and assessment
Company assessmentDirect peers
- Transak: Transak provides global fiat-to-crypto on-ramp infrastructure for wallets and applications, comparable to the conversion and KYC infrastructure underlying Starlynk's crypto-to-fiat bridge.
- Alchemy Pay: Alchemy Pay operates a crypto-fiat payment gateway and card solutions across emerging markets, targeting merchants and consumers with multi-currency and crypto acceptance — closely aligned with Starlynk's cross-border payments value proposition.
- MoonPay: MoonPay provides fiat-to-crypto on-ramp infrastructure and consumer-facing wallet/ card products, overlapping directly with Starlynk's crypto-to-fiat bridge, multi-currency wallet, and global consumer payments positioning.
- Mercuryo: Mercuryo provides fiat-to-crypto on/off-ramp infrastructure and card issuance APIs, directly comparable to Starlynk's crypto-to-fiat bridge and virtual card issuance stack serving a global user base.
- BitPay: BitPay offers a crypto payment processing platform with card and wallet products, targeting merchants and consumers seeking to convert and spend digital assets — directly comparable functionality to Starlynk's offering.
- Wirex: Wirex issues crypto-linked Visa/Mastercard debit cards with multi-currency wallets and a built-in on/off-ramp for fiat and digital assets — directly comparable to Starlynk's Mastercard wallet and crypto-to-fiat bridge across a similar global footprint.
Broad incumbents
- Crypto.com: Crypto.com operates a much larger crypto card program (Visa), exchange, and wallet ecosystem. It competes for the same crypto-spending user but on a broader platform with deeper liquidity and brand recognition.
- Marqeta: Marqeta is a card-issuing and payment-processing platform that powers modern card programs. While not crypto-native, it competes for the same modern, API-driven card issuance layer that Starlynk sits on top of.
- Bybit: Bybit operates a crypto exchange with an associated card program targeting similar crypto-spending consumers. While broader in scope (exchange, derivatives), its card business is a direct adjacent peer.
Emerging players
- Ramp Network: Ramp Network is a Web3 on-ramp provider enabling fiat-to-crypto purchases, with overlap on the conversion and KYC infrastructure that powers Starlynk's bridge functionality, though with a more developer-focused GTM.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks7 records
Key highlights7 records
Customer concentration
Starlynk social profiles
Digital presenceStarlynk compliance and trust
Trust signalCompliance4 records
Starlynk financial estimates
Financial estimateRevenue estimate
Valuation estimate
Starlynk leadership team
Management profileNumber of profiles
Starlynk funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Starlynk 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 Starlynk
What does Starlynk do?
Starlynk operates an AI-powered digital payment platform centered on a Mastercard-linked multi-currency wallet supporting 25+ global currencies. The platform provides cross-border payments, a crypto-to-fiat bridge for Bitcoin, Ethereum, and top altcoins, AI-driven fraud detection, and an integrated RWA Exchange marketplace for tokenizing and trading real-world assets such as real estate, gold, and carbon credits.
Is Starlynk a public or private company?
Starlynk is a private company. It is classified as unknown and is currently operating.
When was Starlynk founded?
Starlynk was founded in 2023. It employs 11 to 50 people.
Where is Starlynk based?
Starlynk is headquartered in Singapore, Singapore, in the Asia region.
How does Starlynk make money?
Four revenue lines are on record. Subscription Plans are the primary driver. The others are currency Exchange Spreads, crypto-to-Fiat Conversion and international Transfers.
Who are Starlynk's main competitors?
Direct peers on record are Transak, Alchemy Pay, MoonPay, Mercuryo, BitPay and Wirex. Broad incumbents are Crypto.com, Marqeta and Bybit. Ramp Network is listed as an emerging player.
Does Starlynk have an API?
No public API is recorded for Starlynk.
What industry is Starlynk in?
Starlynk's product category is Digital Payments. Its primary akta.pro industry code is FSADAIAC, Crypto Card Issuing & Card Programs (Debit/Credit/Prepaid), with a secondary code of FSADAIAE, On/Off-Ramp Providers (Fiat↔Crypto) & Cash-In/Cash-Out Networks. Its NAICS code is 522320 and its SIC code is 6199.