Powering global on-ramps and multi-chain card issuance for the decentralized economy.

For years, the deepest friction point in crypto has not been the protocol layer, but the settlement layer. Users possessed assets but lacked a native bridge to spend them, while wallets held liquidity but lacked the compliance infrastructure to issue fiat gateways. Mercuryo emerged in 2018 not as a consumer wallet, but as an infrastructure-first solution, abstracting the complexity of fiat-to-crypto conversion and embedded banking for the world’s largest Web3 platforms.

“We bridge the gap between people and new technologies, making them simple, trusted, and useful in daily life.” — Petr Kozyakov, CEO

TOP SERVICES

  • Fiat On/Off-Ramps: Instant liquidity bridges enabling users to buy and sell crypto via traditional payment rails (credit cards, Apple Pay, Google Pay, local bank transfers).
  • Mercuryo Spend: A white-label card issuing platform allowing wallets and protocols to launch co-branded virtual and physical debit cards.
  • Mercuryo Pay: Checkout infrastructure for merchants and NFT marketplaces to accept crypto seamlessly.

Mercuryo operates as the invisible banking layer for the decentralized web. By integrating their SDKs and APIs, protocols instantly bypass the massive regulatory hurdles required to process fiat currencies. Their modular approach allows platforms to offer everything from rapid user onboarding to native token spending via physical Visa and Mastercard networks.

CORE FEATURES

  • Multi-Chain Native: Supports over 70 cryptocurrencies across Layer-1s and Layer-2s, including Ethereum, Solana, Base, Optimism, Arbitrum, and TON.
  • Embedded Card Issuance: Allows wallets to issue Apple Pay and Google Pay compatible cards via an iframe or deep API integration without managing direct bank relationships.
  • Global Compliance Stack: Handles KYB, KYC, and transaction monitoring across 150+ supported countries, shielding partners from regulatory friction.
  • Instant Settlement: Top-ups and on-ramp purchases update user balances in a flash, mitigating price volatility during the transaction window.

Beyond basic on-ramps, Mercuryo acts as a comprehensive risk and compliance buffer. Managing fraud prevention, identity verification, and local payment routing in-house means their partners can focus purely on product development. Their “Spend” architecture is particularly potent, offering wallets a plug-and-play method to transition their user base from purely holding assets to utilizing them at 150 million global merchants.

ECOSYSTEM INTEGRATIONS

Mercuryo’s true dominance is visible in its client roster. Rather than fighting for retail mindshare, they secure the backend of the industry’s titans.

  • Used by: MetaMask, Trust Wallet, Ledger, 1inch, PancakeSwap, Bybit & Bitget, Tonkeeper

ARCHITECTURAL PILLARS

Mercuryo recognized early that the path to scaling Web3 adoption required operating entirely in the background. By securing strategic partnerships with global payment networks like Mastercard and Visa, they bridged the structural divide between traditional banking and decentralized finance. Their expansion into the United States and the launch of the “Spend” card issuance program in 2024 marked a critical pivot from pure fiat on-ramping to full-suite Banking-as-a-Service (BaaS).

THE TODEY VERDICT: ECOSYSTEM FIT

Mercuryo is a structural pillar of the modern Web3 economy. They do not compete with wallets or decentralized exchanges; they empower them. By providing the essential rails for liquidity to flow in and out of the ecosystem, and by enabling non-custodial wallets to issue spending cards, Mercuryo acts as the ultimate settlement engine. For any high-volume Web3 platform looking to monetize their user base while abstracting the nightmare of global compliance, Mercuryo is the definitive plug-and-play partner.