UnblockPay

What UnblockPay does

UnblockPay (legal entity: UNBLOCK SERVIÇOS DIGITAIS LTDA, CNPJ 58.444.469/0001-08) is a Brazil-headquartered fintech founded in 2025 that operates a stablecoin-native API platform connecting USDC and USDT on multiple blockchain networks (Solana, Ethereum, Polygon, Tron) to local fiat payment rails including Pix in Brazil, SPEI in Mexico, SEPA in Europe, and US Wire and ACH in the United States. The company enables B2B fintechs, exchanges, payment aggregators, remittance companies, and gaming-sector businesses to move money across 40+ countries with settlement times the company claims are 100-1,500x faster than SWIFT and under one minute for USDC off-ramps. Its product suite comprises a public REST API with sandbox testing, SDKs, and webhooks; on-ramp and off-ramp services converting between stablecoins and BRL, MXN, USD, and EUR; stablecoin wallet functionality for global accounts; and a no-code developer/ops dashboard.

The platform was founded by Lucca Freire (CEO) and Fábio Thiele (COO), with prior experience at Stone and NG.Cash, and operates as a Virtual Asset Service Provider under Brazil's Law 14,478/2022 while actively pursuing a Central Bank stablecoin license (PSAV). Revenue is generated through transaction fees and take-rate spreads on stablecoin-to-fiat conversions, with pay-as-you-go custom enterprise pricing tied to volume and integration scope; pricing is not publicly disclosed. The company raised approximately $690K in October 2025 and a $4.5M seed round in March 2026 led by Prelude at an approximately $20M valuation, with participation from Plug and Play, Wintermute, Reverie, Signature Ventures, Triaxis Capital, Crescera Capital, and angels from Stone, Zoop, and iFood.

UnblockPay's go-to-market is API-first and developer-led, with direct integration supported by comprehensive documentation at docs.unblockpay.com and a Calendly-based demo booking sales motion. Distribution combines self-serve dashboard access for operations teams with enterprise sales for larger integrations, and an emerging marketplace/partner model where customers such as Mercado Bitcoin Portugal have built products on UnblockPay's infrastructure. Infrastructure dependencies include AWS for cloud hosting, third-party crypto custodians for wallet custody, third-party liquidity providers, and authorized payment institutions for fiat rail processing. Compliance posture covers LGPD, GDPR, and PCI-DSS-aligned internal controls, with built-in KYC/KYB, AML, sanctions screening, and transaction monitoring workflows.

Name

UnblockPay

Legal name

UNBLOCK SERVIÇOS DIGITAIS LTDA

Website

https://unblockpay.com

Company type

Private

Founded year

2025

Operating status

Operating

Headcount range

11–50 employees

Short description

UnblockPay is a Brazil-based fintech that provides a stablecoin-native API enabling B2B fintechs, exchanges, and businesses to convert between USDC/USDT and local fiat currencies via Pix, SPEI, SEPA, and US Wire rails across 40+ countries.

Ownership category

akta.pro rank

Product category

Cross-border Payment Infrastructure

NAICS

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

SIC

Finance Services (6199)

akta.pro primary industry

Crypto Payments & Stablecoin Settlement Platforms (BPAMAFAL)

akta.pro secondary industries

On/Off-Ramps & Fiat Liquidity Providers for Stablecoins (FSADADAG), Enterprise Payments & Tokenized Money (stablecoins, tokenized deposits, CBDC rails) (FSAPAIAJ), Payments, Remittances & Merchant Acceptance (checkout, invoicing, payroll) (FSAPAEAE)

Keywords

• Stablecoin payment API
• Cross-border payments
• Fiat on-ramp services
• B2B payment infrastructure
• Latin America payments

Headquarters

HQ city

São Paulo

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Transaction Fees / Take Rate: Fees charged per transaction including on-ramp, off-ramp, API integration, and settlement fees. Also includes take rate (spread) fees charged on currency conversion transactions between stablecoins and fiat currencies.
2. Crypto Asset Conversion Spread: Spread fees applied on conversion operations between fiat and stablecoins. Customers authorize automatic debit of fees from transaction amounts.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

UnblockPay provides a stablecoin-native API platform that bridges USDC and USDT stablecoins across multiple blockchain networks (Solana, Ethereum, Polygon, Tron) with local fiat payment rails (Pix in Brazil, SPEI in Mexico, SEPA, US Wire, ACH), enabling businesses to perform on-ramp and off-ramp conversions, stablecoin wallet creation, and direct crypto-to-bank payouts in 40+ countries. The platform is sold to B2B fintechs and businesses with international operations as a developer-first infrastructure for cross-border payments, FX conversions, treasury, and global payroll.

Product overview

UnblockPay is a stablecoin-native banking and payments platform that provides a unified API connecting stablecoins to fiat money. The platform operates through multiple integrated components: the core Stablecoin API Platform for integration, On-ramp/Off-ramp Services for currency conversion between stablecoins (USDC, USDT) and local fiat currencies (BRL, MXN, USD, EUR), Stablecoin Wallets for digital asset custody, Crypto-to-Bank Payouts for global settlement, and a Developer Dashboard for transaction monitoring and management. The infrastructure supports multiple blockchain networks (Solana, Ethereum, Polygon, Tron) and connects to local payment rails including Pix (Brazil), SPEI (Mexico), SEPA (Europe), and US Wire, enabling operations in 40+ countries.

Differentiator

Problem solved

Functional benefit

Products and services

• Stablecoin API Platform A global stablecoin connector API that bridges stablecoins (USDC, USDT) and fiat money, enabling fast, compliant, and global cross-border payments through a single integration. Targets B2B fintechs and businesses with international operations, supporting 40+ countries and multi-chain stablecoin settlement on Solana, Ethereum, Polygon, and Tron.
• On-ramp/Off-ramp Services Conversion services that move value between stablecoins and local fiat currencies (BRL, MXN, USD, EUR) in seconds via local payment rails such as Pix, SPEI, SEPA, US Wire, and ACH. Enables businesses to unlock new pay-in and payout rails in Brazil and Mexico and integrate stablecoin-to-fiat and fiat-to-stablecoin flows into their own applications.
• Stablecoin Wallet Digital wallet functionality that enables global accounts for customers, powered by stablecoin wallets supporting USDC and USDT. Allows businesses to offer their customers digital dollar accounts and stablecoin custody integrated into their own products.
• Crypto-to-Bank Payouts Direct stablecoin payouts to third-party bank accounts globally, available 24/7 with fast settlement times. Enables businesses to send funds from stablecoin balances to end-user bank accounts without manual reconciliation or delayed settlement windows.
• Developer Dashboard Real-time transaction tracking and integration management dashboard for developers and operations teams, offering no-code pay-in and payout capabilities, webhooks for monitoring pay-ins, payouts, and status updates, and full visibility from transaction creation to completion.

Quantifiable outcome

• 100-1,500x faster than SWIFT for cross-border payments
• +3 more outcomes

Named customers3 records

Segments5 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature10 records

Partnerships

Four partnerships are on record, tiered core.

• AWS (Amazon Web Services)coreTechnology or IntegrationCloud infrastructure provider for secure storage and transmission of personal data and platform information. All data is encrypted and backed up on AWS servers.
• Third-party Crypto CustodianscoreTechnology or IntegrationSpecialized digital asset custody providers. Wallets linked to the platform are provided by third-party custody specialists. Crypto assets remain the responsibility of custody providers with infrastructure allowing export of generated private keys.
• Liquidity ProviderscoreTechnology or IntegrationThird-party exchanges and liquidity providers integrated for efficient order execution and crypto asset liquidity management.
• Payment InstitutionscoreTechnology or IntegrationAuthorized service providers for payment processing, settlement, and transmission of funds. Essential service providers for fiat rail integration (Pix, SPEI, SEPA, Wire, ACH).

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• Yellow Card: Yellow Card operates a stablecoin-based payments and on/off-ramp network across Africa with API integrations for businesses. It is comparable as an emerging-market-focused stablecoin payments infrastructure player using a similar B2B API model, though focused on Africa rather than LatAm.
• Paxos: Paxos provides regulated stablecoin issuance, on/off-ramp APIs, and brokerage infrastructure for enterprises. It overlaps with UnblockPay in offering programmatic stablecoin conversion and wallet infrastructure for businesses, though at a much larger, more regulated scale.

Broad incumbents

• Circle: Circle is the issuer of USDC and provides APIs, wallets, and cross-border payment infrastructure for businesses using its stablecoin. It is comparable as a broader incumbent in the stablecoin payments stack that UnblockPay's platform sits on top of, and which it competes with for enterprise payment flows.
• Ripple: Ripple provides enterprise-grade cross-border payment infrastructure, including RLUSD stablecoin and RippleNet rails for banks and payment service providers. It competes with UnblockPay for the same B2B cross-border flows but targets banks and large PSPs rather than emerging-market fintechs.
• Wise: Wise is a global cross-border payments platform that UnblockPay explicitly benchmarks against ('cheaper than Wise'). Wise is the legacy incumbent whose high costs and slow settlement UnblockPay's stablecoin rails are designed to undercut for LatAm and emerging-market corridors.

Direct peers

• Bitso: Bitso is a LatAm-headquartered crypto exchange and on/off-ramp platform that connects local currencies (BRL via Pix, MXN via SPEI, ARS) to USDC and other digital assets. It is the most direct competitor to UnblockPay's stablecoin-to-fiat corridor business across Brazil and Mexico.
• Transak: Transak is a global on/off-ramp provider that exposes stablecoin and crypto purchase and sale flows through a single API across many countries and payment methods. It is a direct comparable to UnblockPay's developer-first stablecoin conversion API.
• Bridge (Stripe): Bridge is a stablecoin API acquired by Stripe that enables businesses to send, receive, and convert stablecoins via a developer-first integration. It competes head-on with UnblockPay's API-first stablecoin on/off-ramp proposition, though at much larger scale and with Stripe's distribution behind it.
• BVNK: BVNK is a B2B payments infrastructure provider that uses stablecoins to settle cross-border flows for fintechs and businesses. It is comparable to UnblockPay in offering stablecoin rails as an alternative to correspondent banking for enterprise customers.
• MoonPay: MoonPay provides fiat-to-crypto and crypto-to-fiat on/off-ramp infrastructure via APIs and SDKs, including in LatAm. It competes with UnblockPay's core on-ramp/off-ramp API offering, though MoonPay is broader and more retail-focused.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/unblockpay

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds4 records

Investors11 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 UnblockPay