NOAH

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COMPANY detail

NOAH
Powering the New Era of Payments

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NOAH

Company Overview.

Year Founded 2020
Status Private
Specialties Payment Infra, Onramp/Offramp, BaaS
Company Size 11-50 Employees
Industry Financial Services
Location London, UK

Description.

Noah is building essential payment infrastructure for seamless global money movement powered by stablecoins. Founded in 2020 by Shah Ramezani and co-founded by Thijn Lamers (former EVP Global Sales at Adyen), Noah provides an API-first platform that connects fiat and crypto payment flows, enabling businesses to move value across borders in seconds rather than days. Noah already powers payments across 70+ countries and 50+ currencies, serving clients including Deel, Ledger, MiniPay by Opera, Jupiter, Aurea Hub, PEXX, and Cenoa. The platform supports hundreds of thousands of virtual accounts and integrates with major stablecoin issuers including Circle (USDC) and Paxos.

Key Infrastructure.

Payin (Bank Onramp)
Payin (Bank Onramp)
Issues named virtual bank accounts in major fiat currencies with unique IBANs, supporting local bank transfers and SWIFT.
Businesses collect fiat from their customers and convert instantly to stablecoins.
Covers SEPA, ACH, FedWire, FPS, and SWIFT payment rails, with compliance handled through either a Reliance Model (API data sharing) or Hosted Onboarding (white-label KYC).
Global Payouts API
Global Payouts API
Converts crypto and stablecoins to fiat and disburses funds using local payment methods across 60+ countries.
Supports local rails including M-Pesa in Africa, PIX in Brazil, and SPEI in Mexico.
Enables neobanks and fintechs to off-ramp stablecoins into local bank accounts, mobile money, and other regional payment schemes through a single API integration.
Automated Payouts (Orchestration)
Automated Payouts (Orchestration)
Detects when funds arrive in a crypto or fiat account and triggers automatic payouts based on definable rules — thresholds, timing, recipient type, or currency.
Enables high-volume use cases like payroll, remittances, and B2B trade settlements without manual intervention, with full compliance screening and monitoring applied to every transaction in real time.
Hosted Checkout
Hosted Checkout
Provides a fully managed, white-label payment interface for end-customers to accept or pay out fiat across 120+ currencies.
Businesses embed Noah's checkout flow without building their own UI, while Noah handles the entire conversion, settlement, and compliance stack behind the scenes.
Supports both stablecoin-based and local currency settlement options.
Embedded Compliance Stack
Embedded Compliance Stack
Built-in KYC, KYB, AML, sanctions screening, PEP checks, adverse media monitoring, and Travel Rule compliance.
Offers two models: Reliance Model (partner shares pre-existing KYC data via API) and Hosted Onboarding (Noah handles full identity verification including document checks, liveness detection, and ID validation, white-label or co-branded).
Continuously monitors transactions with risk scoring and anomaly detection.
Virtual IBAN Infrastructure
Virtual IBAN Infrastructure
Issues named virtual IBAN accounts in EUR and USD at scale, with each end-user receiving a unique account number.
Supports hundreds of thousands of accounts per month.
Enables businesses to offer fiat accounts to their customers without holding a banking licence themselves, with funds flowing through regulated partners and converting to stablecoins on settlement.

Additional Features.

Multi-Currency Fiat Rails
Supports 120+ major and exotic local currencies for payin and payout, including USD, EUR, GBP, and emerging market currencies.
Developer MCP Integration
Offers Model Context Protocol integration for Cursor, enabling AI-assisted development workflows for faster API integration.
Solana Token Extensions
Leverages Solana's compliance features including confidential transfers, transfer hooks, and permissioned environments for enterprise payment flows.
Real-Time Compliance Screening
Continuous sanctions, PEP, AML, and adverse media checks with risk scoring and anomaly detection on all transactions.
Sandbox Testnet Environment
Provides a full sandbox dashboard with testnet currencies for development and integration testing before production deployment.
Idempotent API Design
Supports idempotency keys to prevent duplicate transactions, ensuring safe retries and consistency in high-volume automated payment workflows.

General Questions.

Noah provides B2B stablecoin payments infrastructure — APIs for fiat-to-stablecoin conversion, virtual IBAN issuance, automated cross-border payouts, and embedded KYC compliance. Businesses integrate Noah's rails to offer their own customers seamless global money movement without building the underlying banking and blockchain infrastructure themselves.

Deel (global payroll), Ledger (hardware wallet app), MiniPay by Opera (stablecoin wallet with 8M+ users), Jupiter (Solana DeFi superapp), Aurea Hub (European payments), PEXX (SE Asia remittances), Cenoa (Pakistan freelancers), and Hyperbeat (DeFi volume).

Yes. Noah holds a VASP registration in Lithuania (#306069935), US Money Transmitter licences in 24+ states (NMLS #2696057), and a Canadian MSB registration (#C100000114). The platform is PCI-DSS Compliant and AICPA SOC Certified.

USDC on Ethereum, Solana, Polygon, and Celo. Also supports Paxos-issued stablecoins. Noah's Solana integration leverages Token Extensions for compliance-ready enterprise settlement with sub-cent fees and 400ms finality.

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