What Mesh does

Mesh (Mesh Connect, Inc.) is a global crypto payments network that connects merchants, PSPs, wallets, and exchanges to a single API for accepting and settling digital-asset payments. Founded in 2020 in San Francisco by Bam Azizi (CEO) and Adam Israel (CCO), the company operates a single API spanning 300+ wallets, exchanges, and platforms across 24+ networks and 120+ tokens, with the network claimed to reach over 900 million users worldwide. Its core engine, SmartFunding™, orchestrates authenticated-session transfers, combines up to five funding sources (held tokens, cash balance, linked payment methods) into a single transaction, and converts assets at the point of transaction so merchants can settle in stablecoins (USDC, PYUSD, USDT, RLUSD) or local fiat rather than absorbing crypto volatility. The platform is SOC 2 Type II certified, GDPR- and CCPA-compliant, runs on Microsoft Azure with zero-trust architecture, and is audited by Halborn; compliance signals (Travel Rule, MiCA-aligned wallet verification, signed-message attestation, KYC identity matching) are embedded at the point of transaction.

The product suite covers the full payments lifecycle: Mesh Pay (merchant acceptance with SmartFunding), Mesh Deposit (frictionless deposits from 300+ platforms), Mesh Verify (wallet ownership verification), Mesh Payout (outbound transfers), Mesh Stablecoin Settlement (USDC/PYUSD/USDT/RLUSD), and Mesh On/Off-Ramps. Mesh Wallet extends the platform to AI-agent-driven transactions in stablecoins, and the Mesh Alliance Program (MAP), launched June 2026, establishes a neutral orchestration layer connecting L1s, L2s, wallets, exchanges, and stablecoin issuers (founding members include Stellar, Tempo, Base, Circle, Paxos, and StableChain). Mesh monetizes via usage-based API fees disclosed at meshconnect.com, optional prepaid credits, freemium sandbox access, and a transaction-based take rate on payment volume processed through Mesh Pay (as used in PayPal's Pay with Crypto and Shift4's merchant base).

Mesh serves a tier-1 customer base including PayPal, MetaMask, Shift4, Cash App, Coinbase, Binance, Kalshi, Visa, AWS, and Tools for Humanity's World App, with sales executed through direct enterprise field sales (CRO Jeff Hendren, SVP Gabriele Galli), self-serve developer onboarding via docs.meshconnect.com, and OEM/embedded distribution through PSPs. The company has raised over $200M cumulatively across 13 disclosed rounds — including an $82M Series B in March 2025 and a $75M Series C at a $1B unicorn valuation led by Dragonfly Capital in January 2026 — and operates from San Francisco with regional offices in Bangalore (India), and EU/UK GDPR representatives in Dublin and Brighton; a dedicated CEO of APAC was appointed in April 2026 as part of formal regional expansion.

Name

Mesh

Legal name

Mesh Connect, Inc.

Website

https://meshpay.com

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

101–250 employees

Short description

Mesh operates a single API that connects 300+ wallets, exchanges, and PSPs across 24+ networks, using its SmartFunding engine to let merchants accept any crypto and settle instantly in stablecoins or fiat for tier-1 clients including PayPal, Shift4, and Visa.

Ownership category

akta.pro rank

Product category

Crypto Payments Infrastructure

NAICS

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

SIC

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

akta.pro primary industry

Payment Orchestration, Routing & Smart Transaction Management (Crypto) (FSADAIAJ)

akta.pro secondary industries

Crypto Payments & Stablecoin Settlement Platforms (BPAMAFAL), Crypto Payment Gateways & Checkout APIs (FSADAIAA), Interoperability for Payments (Cross-Chain/Layer-2 Payment Rails) (FSADAIAO)

Keywords

• Crypto payments infrastructure
• Blockchain orchestration platform
• Stablecoin settlement API
• Digital asset payment gateway
• Cross-chain payment routing

Headquarters

HQ city

San Francisco

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. API / platform fees: Mesh charges usage-based fees for its APIs and services, disclosed at meshconnect.com or as otherwise communicated; customers must maintain a valid payment mechanism on file (credit card / billing). Fees are non-refundable and subject to change.
2. Prepaid Credits: Optional prepaid credits redeemable to satisfy accrued API/Service fees; non-transferable, non-refundable, no cash value, expire 1 year from purchase or earlier on Agreement termination. Pricing and redemption details published at meshconnect.com.
3. Free trial (sandbox): Limited free trial of the Product/Services, subject to usage limits and restrictions; can be suspended or terminated without notice if limits are exceeded or trial expires.
4. Transaction-based take rate: Mesh Pay includes optional percentage-based client fees merchants can add to transactions, implying revenue also accrues via a transactional take rate on payment volume processed through the network (e.g., powering PayPal's Pay with Crypto and Shift4's merchant base).

Pricing tiers

Go-to-market motion5 records

Distribution channels5 records

Marketing channels11 records

Core offering

Mesh provides a single API-based crypto payments orchestration platform that connects 300+ wallets, exchanges, and platforms across 24+ networks and 120+ tokens. Its core engine, SmartFunding™, routes payments across authenticated user accounts, combines up to five funding sources, and converts assets at the point of transaction so merchants can accept any crypto and settle in stablecoins or local fiat. The platform is sold to enterprises (PSPs, wallets, exchanges, merchants) via direct sales and embedded OEM partnerships.

Product overview

Mesh operates a platform-plus-modules architecture built around its 'first global crypto payments network.' The unified platform connects 300+ wallets, exchanges, and financial services platforms via a single API, with modular solutions spanning the full crypto payments lifecycle: Mesh Pay (payment acceptance with SmartFunding orchestration), Mesh Deposit (frictionless deposits from 300+ platforms), Mesh Verify (wallet ownership verification and KYC identity matching), Mesh Payout (outbound transfers), Mesh Stablecoin Settlement (USDC, PYUSD, USDT, RLUSD settlement), and Mesh On and Off-Ramps (fiat-crypto conversion). Mesh Wallet extends the platform for AI-agent transactions in stablecoins, while the Mesh Alliance Program (MAP) provides an interoperability orchestration layer connecting L1s, L2s, wallets, exchanges, and stablecoin issuers across the enterprise ecosystem. Together, these products form an asset-agnostic, rail-agnostic connectivity layer that powers enterprise deployments for PayPal (Pay with Crypto), Shift4 (global merchants), and Kalshi (prediction market), and supports 120+ tokens across 24+ networks.

Differentiator

Problem solved

Functional benefit

Brands

• Mesh Pay: Accept crypto payments from 300+ wallets and exchanges and settle in stablecoins or local currency; includes the SmartFunding orchestration capability.
• Mesh Deposit
• Mesh Verify
• Mesh Wallet
• SmartFunding

Products and services

• Mesh Pay Embedded crypto payment gateway that enables merchants to accept crypto from customers' existing accounts on Coinbase, Binance, MetaMask, Phantom, and 300+ others through a single integration. Combines SmartFunding orchestration so customers pay with whatever they hold while merchants receive instant settlement in stablecoins (USDC, PYUSD, USDT) or local fiat.
• Mesh Deposit Frictionless crypto deposit solution embedded directly into platforms, enabling users to deposit assets from 300+ exchanges (Coinbase, Binance, Kraken) and self-custody wallets (MetaMask, Trust Wallet, Coinbase Wallet). Features Smart Asset Routing, secure destination address handling, and mitigates address poisoning scams.
• Mesh Verify Quick and secure wallet ownership verification capability providing signed-message attestation and KYC identity matching at the point of transaction. Delivers compliance and trust signals for routing through legitimate counterparties and satisfies Travel Rule, MiCA, and equivalent regulatory regimes.
• Mesh Payout Enables businesses to send payouts to users across connected wallets and exchanges as part of the Mesh platform suite, supporting outbound crypto transfers at scale.
• Mesh Stablecoin Settlement Stablecoin settlement infrastructure supporting major stablecoins (USDC, PYUSD, USDT, RLUSD) and local fiat across networks enterprises settle on, delivering near-instant cross-chain settlement for enterprises and merchants without building individual connections.
• Mesh On and Off-Ramps On-ramp and off-ramp solutions enabling fiat-to-crypto and crypto-to-fiat conversions as part of the Mesh platform suite, supporting 30+ fiat currencies.
• SmartFunding Mesh's intelligent transfer routing and orchestration layer that lets customers pay with whatever crypto they hold while merchants receive instant settlement in their preferred stablecoin or local currency. Combines up to five funding sources into a single transaction the customer experiences as one tap, optimizing across cost, speed, and reliability.
• Mesh Wallet AI-agent-native wallet product enabling AI agents to hold stablecoins, sign transactions, and complete real-world transactions autonomously without traditional banking infrastructure. Built with cross-chain operations support and protocols for seamless AI interaction with blockchain networks.
• Mesh Alliance Program (MAP) Industry interoperability initiative establishing a neutral orchestration layer that connects L1s, L2s, wallets, exchanges, stablecoin issuers, and platforms into a unified ecosystem. Enables enterprise clients to move value across networks without custom bridges or fragmented routing logic. Provides routing preferences configuration, performance benchmarking, and strategic collaboration for alliance members.

Quantifiable outcome

• 138% deposit growth at Kalshi after deploying Mesh's infrastructure
• +6 more outcomes

Named customers12 records

Segments8 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration23 records

AI capability8 records

Feature7 records

Partnerships

20 partnerships are on record, tiered flagship and core.

• Tools for Humanity (World App)flagshipTechnology or Integration · 23 June 2026Integration powers crypto deposits into World App from hundreds of supported exchanges and wallets. World ecosystem spans 160 countries and nearly 18 million people verified via World ID.
• Stable (Layer 1 blockchain / StableChain)coreStrategic or Co-development Partner · 11 June 2026Joined the Mesh Alliance Program (MAP) as a Gold member, giving enterprises access to StableChain's USDT-native settlement infrastructure with sub-second finality, EVM compatibility, and simplified stablecoin settlement that eliminates volatile gas tokens.
• Base (Coinbase L2)flagshipTechnology or Integration · 2 June 2026Expanded integration to simplify stablecoin payments and on-chain commerce for businesses operating within the Ethereum ecosystem; Mesh handles automatic asset routing and conversion across Base and hundreds of supported platforms.
• Paxos (Global Dollar Network)coreStrategic or Co-development Partner · 2 June 2026Mesh joined Paxos' Global Dollar Network, gaining access to enterprise-grade stablecoin issuance and settlement rails.
• Solana FoundationcoreTechnology or Integration · 2 June 2026Mesh is among the teams integrating Solana's on-chain Subscriptions and Allowances program (open-source, audited) on mainnet for fixed allowances, recurring delegations, and merchant subscription plans.
• Cash AppflagshipTechnology or Integration · 1 June 2026Cash App is live on Mesh, expanding Mesh's footprint into mainstream consumer crypto payments for one of the largest mobile payment apps.
• RaincoreTechnology or Integration · 1 June 2026Listed as a recent Mesh partnership in MAP launch coverage; active participant in Mesh's enterprise payments ecosystem.
• TempocoreStrategic or Co-development Partner · 12 May 2026Formalized partnership establishing Tempo (Layer 1 blockchain purpose-built for payments) as a settlement network within Mesh's ecosystem. Provides high-throughput stablecoin payments with sub-second finality, stablecoin-native gas fees, dedicated payment lanes, and machine-to-machine transaction flows via Tempo's Machine Payments Protocol.
• Trust WalletcoreStrategic or Co-development Partner · 9 May 2026Co-announced plans at Consensus Miami to integrate AI agents into wallet platforms, with Trust Wallet launching its Agent Kit and advancing EIP-8004 for on-chain AI identity, alongside Mesh's Smart Funding technology for cross-chain routing.
• Stellar Development Foundation (Stellar network)flagshipStrategic or Co-development Partner · 8 May 2026Stellar established as a core settlement layer within Mesh's ecosystem. Combines Stellar's 99.99% uptime (since 2014), sub-cent fees, and 30+ fiat currency connectivity with Mesh's orchestration layer for enterprise-grade stablecoin-powered cross-border payments.
• KalshicoreTechnology or Integration · 5 May 2026Strategic partnership to power secure, seamless crypto deposits and payouts for Kalshi users, integrating with 300+ wallets and exchanges (Coinbase, Binance, MetaMask). Supports Kalshi's expansion into 140+ countries and helped drive 138% deposit growth.
• CircleflagshipStrategic or Co-development Partner · 28 April 2026Collaboration to expand USDC settlement across Mesh's ecosystem, combining Circle's stablecoin infrastructure with Mesh's payment orchestration layer to enable near-instant cross-chain settlement for enterprises and merchants.
• Visa (Intelligent Commerce Connect)flagshipStrategic or Co-development Partner · 10 April 2026Pilot partner on Visa's Intelligent Commerce Connect platform for AI-agent commerce. Mesh supports Trusted Agent Protocol, Machine Payments Protocol, Agentic Commerce Protocol, and Universal Commerce Protocol for AI agents to discover, select, and complete purchases.
• AWScoreTechnology or Integration · 10 April 2026Co-pilot on Visa's Intelligent Commerce Connect platform supporting agentic commerce across multiple protocols; partner in the broader AWS Bedrock AgentCore Payments system with Coinbase and Stripe.
• Canton NetworkcoreStrategic or Co-development Partner · 19 March 2026Mesh joined the Canton Network as a Super Validator to support network security and governance for tokenized capital markets. Canton processes trillions of dollars in transactions monthly across tokenized bonds, repos, and money market funds, with support from the European Central Bank and Moody's.
• RedotPaycoreTechnology or Integration · 13 August 2025Partnership enabling cross-border stablecoin payments and expanding Mesh's footprint into RedotPay's payment-card and remittance user base.
• RipplecoreTechnology or Integration · 12 August 2025Strategic partnership integrating RLUSD stablecoin and Ripple rails into Mesh's crypto payments network.
• PayPalflagshipOEM/ Whitelabel/ Licensing Partner · 1 August 2025SmartFunding powers PayPal's 'Pay with Crypto' service, converting dozens of cryptocurrencies and stablecoins into fiat for U.S. shoppers and merchants. Mesh raised $82M Series B largely settled in PYUSD on Mesh's rails, with PayPal Ventures as strategic investor (partially settled in stablecoins).
• Shift4flagshipOEM/ Whitelabel/ Licensing Partner · 1 October 2024SmartFunding powers crypto acceptance for Shift4's global merchant base, enabling crypto payments at scale for merchants on Shift4's payment platform.
• MetaMaskflagshipTechnology or Integration · 1 September 2024Deepened partnership aggregating assets, enabling seamless deposits, and offering a native ramp inside MetaMask — turning MetaMask into a true crypto hub. Quoted on Mesh homepage.

Scale indicators11 records

Recent moves9 records

Expansion highlights7 records

Direct peers

• MoonPay: MoonPay operates fiat-crypto on/off-ramps and B2B payments APIs used by wallets, exchanges, and merchants; comparable customer base (wallets, exchanges, apps) and overlapping orchestration/payments product surface.
• Fireblocks: Fireblocks provides crypto custody, payments orchestration, and tokenization APIs to PSPs and exchanges; comparable as an enterprise-grade crypto payments infrastructure layer competing for the same institutional and PSP customers.
• Coinbase: Coinbase is both a Mesh integration partner and a strategic investor, but is building competing orchestration via Coinbase Agent-Native Wallet Infrastructure and Base L2 settlement - directly comparable as a crypto payments/exchange platform targeting enterprises and developers.
• Ripple: Ripple is a Mesh integration partner (RLUSD stablecoin) but is also a direct competitor in cross-border enterprise payments with its own stablecoin, custody, and orchestration products targeting banks and PSPs.
• Alchemy Pay: Alchemy Pay is a crypto payment gateway offering fiat on/off-ramps and merchant crypto acceptance across 300+ partners; directly competes with Mesh Pay and Mesh Ramp on cross-border merchant crypto acceptance.
• BVNK: BVNK provides stablecoin payments infrastructure for merchants and PSPs with a comparable enterprise go-to-market and is also partnered with Worldpay; competes directly with Mesh for Tier-1 PSP and merchant wallet-of-stablecoin volume.
• BitPay: BitPay is an established crypto payment processor offering merchant acceptance, payouts, and stablecoin settlement; competes with Mesh Pay for enterprise merchant volume and offers a comparable PSP/merchant payments stack.

Broad incumbents

• Circle: Circle is a Mesh integration partner (USDC settlement) but also a potential competitor with its own payment APIs, CCTP cross-chain transfer standard, and Arc blockchain - comparable as a stablecoin-native payments infrastructure provider.
• Stripe: Stripe acquired Bridge to build stablecoin/payments orchestration and is co-piloting Visa's Intelligent Commerce Connect with Mesh; a broad payments incumbent moving directly into Mesh's crypto orchestration territory with vastly larger enterprise distribution.

Emerging players

• Triple-A: Triple-A is a licensed crypto payment gateway serving merchants and PSPs across APAC; comparable orchestration/payment API offering with regional overlap in the same India/SE Asia corridors Mesh is entering.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/meshpay
• YouTubeyoutube.com/@mesh-pay
• LinkedInlinkedin.com/company/meshpay

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles15 records

Funding overview

Funding rounds12 records

Investors48 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 Mesh