Latitude

Cross-Border Payment Infrastructurelatitude.xyz

Latitude is a cross-border payments infrastructure company building the Latitude Liquidity Network, which connects stablecoin rails to local fiat payouts in 50+ markets via a single API. It serves US businesses paying global sellers and contractors, plus crypto-native platforms and stablecoin-focused fintechs needing compliant fiat ramps, at a flat 0.5% transparent fee.

Company typePrivate
Founded2025
HeadquartersSpring, United States
Headcount11–50
GTM typeB2B
OfferingSoftware

What Latitude does

Latitude (Latitude Global, Inc.) is a cross-border payments infrastructure company founded in 2025 and headquartered in Spring, Texas. The company builds the Latitude Liquidity Network, a proprietary platform that connects stablecoin settlement rails with local fiat payout infrastructure, enabling US businesses to send payments to recipients in 50+ markets in local currencies through a single API integration. The company emerged from stealth in March 2026 alongside an $8 million seed round led by NEA with participation from Lightspeed Faction, Coinbase Ventures, Paxos, Bitso, and the Solana Foundation. Its founding team consists of former leaders from Stripe, Coinbase, Uber, Zero Hash, and Facebook.

The company operates three products: Global Fiat Payouts (for US businesses paying sellers, contractors, and vendors internationally), International Stablecoin On-and-Off Ramps (for stablecoin neobanks, exchanges, and fintechs to provide retail customer fiat-to-stablecoin conversion), and USD Ramps + Virtual Accounts for Businesses (in development, enabling USD-to-stablecoin conversion for business clients). Latitude holds money transmitter licenses in 38 US states with plans for full 50-state coverage in Q2 2026, has completed SOC 2 Type I audit (Type II in progress), and partners with Lead Bank as a banking sponsor in states without direct licensing.

Latitude monetizes through transaction fees consisting of a flat 0.5% variable rate plus a small fixed fee per transaction, using third-party interbank FX rates with no hidden spreads or markups. Its distribution is API-first with a self-serve onboarding model (no volume commitments) and an enterprise sales overlay for larger accounts. Customer segments include US SMB and enterprise businesses making international payouts, crypto-native platforms requiring fiat settlement, and stablecoin-focused fintechs needing compliant fiat ramps. Payments typically settle in under two minutes without requiring float in destination countries, positioning Latitude as a lower-cost, faster alternative to traditional correspondent banking rails.

Latitude firmographics

Firmographics

Name: Latitude
Legal name: Latitude Global, Inc.
Website: https://www.latitude.xyz
Company type: Private
Founded year: 2025
Operating status: Operating
Headcount range: 11–50 employees
Short description: Latitude is a cross-border payments infrastructure company building the Latitude Liquidity Network, which connects stablecoin rails to local fiat payouts in 50+ markets via a single API. It serves US businesses paying global sellers and contractors, plus crypto-native platforms and stablecoin-focused fintechs needing compliant fiat ramps, at a flat 0.5% transparent fee.
Ownership category
akta.pro rank

Latitude industry classification

Industry

Product category: Cross-Border Payment Infrastructure
NAICS: Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Securities and Commodity Contracts Intermediation and Brokerage (5231)
SIC: Security & Commodity Brokers, Dealers, Exchanges & Services (6200)
akta.pro primary industry: Cross-Border & FX Payments Platforms (BPAMAFAK)
akta.pro secondary industries: Remittance & Cross-Border Payment Rails (SWIFT, Local Clearing, RTP Connectivity) (FSAGAKAH), Crypto Remittance & Cross-Border Money Transfer Providers (FSADAIAD), Crypto Payments & Stablecoin Settlement Platforms (BPAMAFAL)

Keywords

Cross-border payments
Stablecoin infrastructure
Payment rails
Fiat payouts
Money transmission

Where Latitude is headquartered

Location

Headquarters

HQ city: Spring
HQ country: United States
HQ region: North America

Offices1 record

Markets served

Latitude business model

Business model

GTM type: B2B
Offering type: Software
Cost components: Technology or R&D, Personnel, Operations, Marketing or Sales, Others

Revenue model

Transaction Fees: Revenue generated through a flat 0.5% (50 basis points) variable rate plus a small fixed fee per transaction that varies by market. Uses third-party interbank FX rates on every transaction with no hidden spreads or markups.
Cross-Border Payment Processing: Fees charged for enabling US businesses to make international payments by converting USD into stablecoins and then into local currencies across 50+ countries.

Pricing tiers

Model	Billing	Price
Transaction based/ take rate	Pay-as-you-go	Flat 0.5% rate to any market

Go-to-market motion2 records

Distribution channels2 records

Marketing channels3 records

Latitude product offering

Product offering

Core offering

Latitude operates a cross-border payment infrastructure that connects stablecoin rails to local fiat currency systems across 50+ markets through its proprietary Latitude Liquidity Network. US businesses send payments to global sellers, contractors, and vendors in local currencies via a single API integration, at a flat 0.5% fee with settlements typically completing in under two minutes. The company also serves crypto-native platforms and stablecoin neobanks with on-and-off ramp capabilities between local fiat and stablecoins.

Product overview

Latitude is a global payments infrastructure company offering a unified platform built around its proprietary Latitude Liquidity Network, which connects stablecoin rails to local fiat currencies. The portfolio consists of three core products: Global Fiat Payouts for US businesses paying sellers and contractors globally; International Stablecoin On-and-Off Ramps for neobanks, exchanges, and fintechs; and USD Ramps + Virtual Accounts for Businesses providing USD-to-stablecoin conversion. All products are accessible through a single API, enabling any business to move money in real-time at a flat 0.5% transparent price.

Differentiator

Problem solved

Functional benefit

Brands

Latitude Liquidity Network: Proprietary stablecoin-to-local-fiat infrastructure connecting modern stablecoin rails to local fiat in 50+ markets

Products and services

Global Fiat Payouts Cross-border payment product enabling US businesses to send payments to 50+ markets in local fiat currency at a flat 0.5% rate. Converts USD to stablecoins and then to local currencies through a single API integration, with settlements typically completing in under two minutes. Purpose-built for US businesses paying sellers, contractors, and vendors globally.
International Stablecoin On-and-Off Ramps Provides stablecoin neobanks, exchanges, and fintechs with named virtual accounts and a compliant path between local fiat and stablecoins across global markets. Powers retail customer access to stablecoins via local bank rails, with lower costs and a smoother consumer experience.

Quantifiable outcome

Payments settle in under 2 minutes in most markets
+1 more outcomes

Companies that use Latitude

Customer profile

Segments3 records

Ideal customer profiles3 records

Latitude technology and API

Technology

Technology focussed Yes

API detail

Has API: Yes
API docs
API detail

Core technology

AI maturity

App detail

Feature3 records

Latitude partnerships and signals

Strategic signal

Partnerships

One partnership is on record.

Lead BankminorOthersIn certain states, Latitude Payments' payments services are sponsored by Lead Bank, a regulated financial institution.

Scale indicators4 records

Recent moves7 records

Expansion highlights6 records

Latitude competitors and assessment

Company assessment

Direct peers

Zero Hash: Zero Hash is a crypto infrastructure platform providing stablecoin, custody, and on/off-ramp APIs to fintechs and platforms. Latitude's founders came from Zero Hash, and the company competes in the same B2B crypto-to-fiat infrastructure layer that Latitude serves.
dLocal: dLocal is a payments platform focused on emerging markets, particularly LATAM, Africa, and Asia, enabling global merchants to pay and get paid in local currencies. It overlaps directly with Latitude's Global Fiat Payouts product for emerging market corridors.
Bridge (Stripe): Bridge builds stablecoin payment infrastructure APIs for businesses and was acquired by Stripe in 2024. It competes head-to-head with Latitude in stablecoin-to-fiat payment rails for enterprises and benefits from Stripe's massive merchant distribution.
Felix Pay: Felix Pay operates a stablecoin-based cross-border payments network focused on connecting Latin America, Africa, and Asia using USDC rails. It targets similar business and platform customers as Latitude with a comparable value proposition of faster, cheaper remittances.
BVNK: BVNK is a direct competitor offering stablecoin-based cross-border payment infrastructure for businesses, with similar coverage across LATAM, Europe, and Asia. It serves platforms and enterprises moving money globally using stablecoin rails, mirroring Latitude's core value proposition.

Regional players

Bitso: Bitso is a leading Latin American cryptocurrency exchange and an investor in Latitude. While primarily a retail exchange, it offers business payment services and overlaps with Latitude in LATAM corridors, particularly for crypto-to-fiat conversions.

Broad incumbents

Circle: Circle is the issuer of USDC and offers cross-border payment infrastructure for enterprises via Circle Account and APIs. It is a broader incumbent in the stablecoin ecosystem and could expand its payments business to compete directly with Latitude's payouts product.
Wise: Wise is a leading incumbent in cross-border payments for consumers and businesses, serving millions of customers across 70+ countries. While it uses traditional fiat rails rather than stablecoins, it competes on the same customer problem (cross-border payouts) and could expand into stablecoin infrastructure.
Ripple: Ripple (XRP/RippleNet) operates cross-border payment infrastructure for financial institutions using blockchain rails, similar in architecture to Latitude's stablecoin approach. It serves banks and payment providers rather than direct businesses but competes for the same cross-border settlement opportunity.
Payoneer: Payoneer is a cross-border payments platform serving SMBs, freelancers, and marketplaces globally. It overlaps with Latitude's Global Fiat Payouts product for US businesses paying international contractors and vendors, with broader geographic coverage but traditional infrastructure.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

Latitude compliance and trust

Trust signal

Compliance2 records

Latitude financial estimates

Financial estimate

Revenue estimate

Valuation estimate

Latitude leadership team

Management profile

Number of profiles

Profiles1 record

Latitude subsidiaries and ownership

Company hierarchy

Subsidiaries1 record

Latitude funding detail

Funding detail

Funding overview

Funding rounds2 records

Investors11 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

Latitude M&A and investment

M&A and investment

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Latitude

What does Latitude do?

Is Latitude a public or private company?

Latitude is a private company. It is classified as venture growth investor backed and is currently operating.

When was Latitude founded?

Latitude was founded in 2025. It employs 11 to 50 people.

Where is Latitude based?

Latitude is headquartered in Spring, United States, in the North America region.

How does Latitude make money?

Two revenue lines are on record. Transaction Fees are the primary driver. The others are cross-Border Payment Processing.

Who are Latitude's main competitors?

Direct peers on record are Zero Hash, dLocal, Bridge (Stripe), Felix Pay and BVNK. Bitso is listed as a regional player. Broad incumbents are Circle, Wise, Ripple and Payoneer.

Does Latitude have an API?

Yes. Latitude offers a public REST API for developers to integrate global payment capabilities. The API supports transfers, quotes, financial accounts, conversions, webhooks, and individuals management. Available endpoints include: POST /v1/transfers (create transfers), POST /v1/quotes (create quotes for rate locking), GET /v1/transfers (list transfers), GET /v1/conversions (list on-ramp conversions), POST /v1/conversion_accounts (create conversion accounts for on-ramp), POST /v1/individuals (create individuals for KYC), GET/PATCH /v1/financial_accounts, webhook subscriptions, and a sandbox simulation endpoint for testing deposits. Authentication details, rate limits, and versioning information are available in the API documentation. A sandbox environment exists for testing. Developer documentation is at docs.latitude.xyz.

What industry is Latitude in?

Latitude's product category is Cross-Border Payment Infrastructure. Its primary akta.pro industry code is BPAMAFAK, Cross-Border & FX Payments Platforms, with a secondary code of FSAGAKAH, Remittance & Cross-Border Payment Rails (SWIFT, Local Clearing, RTP Connectivity). Its NAICS code is 522320 and its SIC code is 6200.