DAIMO

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COMPANY detail

DAIMO
The Ramp for Neobanks

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DAIMO

Company Overview.

Year Founded 2024
Status Private
Specialties Onramp/Offramp, API/Dev Tools
Company Size 2-10 Employees
Industry Software Development
Location Santa Monica, USA

Description.

Daimo is a stablecoin ramp infrastructure company founded in 2024 by DC (dcposch) and Andrew Liu, headquartered in Santa Monica, California. The company provides a non-custodial API and React SDK that lets stablecoin apps, neobanks, and wallets accept deposits from any source — wallets, exchanges, payment apps, or bank rails — across multiple blockchains and settle into a configured destination stablecoin. Daimo's infrastructure powers deposit flows for clients including Opera MiniPay, Liquid, EtherFi, and World, having processed over $100 million in total volume as of early 2026.

Daimo operates as a non-custodial software provider that never holds or controls user funds. All transactions execute via audited smart contracts on public blockchains with minimal trust assumptions. The platform supports source deposits from EVM chains, Solana, and Tron, with destination settlement to Arbitrum, Base, BNB Smart Chain, Celo, Ethereum, Gnosis, HyperEVM, Linea, Monad, Optimism, Polygon, Worldchain, and Solana. Supported destination tokens include USDC, USDT, DAI, and ETH. The company is registered in California and handles fiat KYC/AML through third-party identity verification partners rather than directly.

Key Infrastructure.

Cross-Chain Deposit API
Cross-Chain Deposit API
Daimo's session-based REST API lets apps create deposit sessions specifying destination chain, token, and amount.
Users pay via wallet, exchange, or bank transfer and funds are routed non-custodially through audited smart contracts to settle at the configured destination address in the chosen stablecoin.
Webhooks provide real-time status updates through the entire session lifecycle from creation to settlement or bounce.
React Modal SDK (@daimo/sdk)
React Modal SDK (@daimo/sdk)
The pre-built React deposit UI handles chain selection, wallet connection, and transaction signing in approximately 30 lines of integration code.
It supports embedded and overlay display modes, prefilled amounts, payment method filtering and ordering, and contract call support that delivers funds and executes arbitrary calldata in one atomic step.
The SDK is a thin wrapper around the core session API.
Multi-Rail Fiat Onramp
Multi-Rail Fiat Onramp
Daimo maps local payment rails across 17 countries — ACH and RTP for the US, PIX for Brazil, Interac for Canada, SEPA for Europe, SPEI for Mexico, FPS for the UK, FAST for Singapore, BI-FAST for Indonesia, and more.
Each user automatically receives a local bank account generated based on their sign-in country, with funds settling into the app's configured stablecoin destination.
Source Chain Routing
Source Chain Routing
Deposits are accepted from any EVM-compatible chain, Solana (USDC, USDT, SOL, and liquid tokens), and Tron (USDT).
Funds are routed to destination chains including Arbitrum, Base, BNB Smart Chain, Celo, Ethereum, Gnosis, HyperEVM, Linea, Monad, Optimism, Polygon, Worldchain, and Solana.
Destination tokens include USDC, USDT, DAI, and ETH with more supported on most EVM chains.
Exchange and Wallet Gateways
Exchange and Wallet Gateways
Beyond direct wallet deposits, Daimo integrates with major exchanges and payment apps as source rails — Coinbase, Binance, Lemon, Cash App, and Bitget — allowing users to deposit from their exchange balances.
Payment apps like Apple Pay are also supported as deposit sources, bridging traditional fintech rails directly into stablecoin app onboarding flows.
Non-Custodial SC Settlement
Non-Custodial SC Settlement
All transactions execute via fully audited, open-source smart contracts with minimal trust assumptions.
Daimo never takes custody or controls user funds at any point.
If a destination contract call fails or reverts, funds are automatically returned to the refund address.
Even if Daimo were to disappear, users retain the ability to recover their funds independently through the smart contract infrastructure.

Additional Features.

Session Lifecycle Tracking
Every deposit is a tracked session with six states: requires_payment_method, waiting_payment, processing, succeeded, bounced, and expired. Apps receive real-time webhook notifications for each state transition with HMAC SHA256 signature verification for security.
Contract Call Support
Deposited funds can execute arbitrary contract calls in a single atomic step by passing calldata within the session configuration. This enables direct interaction with DeFi protocols, market contracts, or custom smart contract logic upon settlement without requiring a separate transaction.
Prefilled Amount Locking
Sessions can be configured with locked deposit amounts via the amountUnits parameter, preventing underpayment or overpayment. This ensures deterministic settlement where the destination contract receives exactly the expected amount, critical for financial applications requiring precise value transfers.
Automatic Refund Handling
Bounced sessions where the destination contract call fails or reverts automatically return funds to the configured refund address without manual intervention. Expired sessions that time out before a deposit is received similarly refund any remaining funds, providing built-in safety guarantees for end users.
Exchange-as-Source Integration
Users can deposit directly from their Coinbase, Binance, Lemon, or Cash App balances without first withdrawing to a self-custody wallet. This exchange-to-app flow eliminates intermediate steps and reduces drop-off, particularly valuable for onboarding users who keep funds on centralized exchanges.
Payment Method Filtering
Apps control precisely which payment methods appear in the deposit modal and their display order — wallets, exchanges, or direct addresses. This allows tailoring the deposit experience per market or user segment, ensuring the most relevant local payment rails appear first for maximum conversion.

General Questions.

Daimo provides a non-custodial API and SDK that lets stablecoin apps, neobanks, and wallets accept deposits from any source (wallet, exchange, bank transfer, payment app) across multiple blockchains and settle into a configured destination stablecoin. They handle all the cross-chain routing, fiat rail integration, and smart contract settlement so their clients can offer "deposit from anywhere" without building and maintaining dozens of individual integrations.

Opera MiniPay, Liquid, EtherFi, World, and JPYC are publicly disclosed clients. Daimo targets stablecoin app developers, neobanks, DeFi protocols, and wallet providers who need to onboard users from diverse payment sources across multiple countries.

Daimo is a non-custodial software provider registered as Daimo, Inc. in California. It does not hold money transmitter licenses because it never takes custody of user funds. For fiat transactions, identity verification (KYC) is handled by a third-party partner and shared with the local licensed ramp provider processing the transaction. Daimo does not store KYC data.

Source deposits from EVM chains, Solana, and Tron. Destination settlement to Arbitrum, Base, BNB Smart Chain, Celo, Ethereum, Gnosis, HyperEVM, Linea, Monad, Optimism, Polygon, Worldchain, and Solana. Supported destination tokens include USDC, USDT, DAI, and ETH. USDC only on Solana destination.

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