Description.
Coinflow (fka Coinflow Labs) is a B2B payment infrastructure provider founded in late 2022 by Daniel Lev (CEO), Benjamin Meeder (CTO), and Jake (COO). The company offers payment acceptance and payout solutions for businesses across industries including e-commerce, fintech, gaming, marketplaces, payroll, and remittance. Coinflow supports pay-ins from 170+ countries, with instant settlement, chargeback protection, and support for multiple payment methods including credit/debit cards, ACH, Apple Pay, Google Pay, crypto (BTC, ETH, SOL, etc.), and local rails like Pix, SEPA, and UK Faster Payments. Notable clients include Novig, Courtyard, Audius, Solana, Whop, Fliff, Hotstreak, and Benz. Transaction volume reached multi-billion-dollar scale in Q1 2026 with ~30% MoM growth.Â
Coinflow supports blockchains such as Arbitrum, Avalanche, Base, Bitcoin, Ethereum, Optimism, Polygon, and Solana, with stablecoins including USDC, USDT, DAI, EURC, USDGLO, and LUSD. The company holds PCI DSS Service Provider Level 1 certification, SOC 2 compliance, and is registered as a VASP in Poland (Registration Number: RDWW-1337). Funding to date totals $28.7M across three rounds: pre-seed $1.45M (Apr 2023), seed $2.25M (May 2024), and Series A $25M (Oct 2025) led by Pantera Capital, with participation from Coinbase Ventures, CMT Digital, Jump Capital, Reciprocal Ventures, Digital Currency Group, and Draper Dragon.
Key Infrastructure.
Pay-In Orchestration
Supports 170+ countries with payment methods including credit/debit cards, ACH, Apple Pay, Google Pay, crypto (BTC, ETH, SOL, etc.), Pix, SEPA, UK Faster Payments, and wires. All pay-ins settle instantly to merchant wallets or bank accounts with fraud and chargeback indemnification.
Payout Orchestration
Enables instant payouts to 100+ countries via methods including push to card, RTP, same-day ACH, SEPA, UK Faster Payments, wire transfers, Interac, PayPal, Venmo, and crypto (USDC). Supports both merchant-initiated and user-initiated payouts with KYC integration.
Coinflow Credits
Closed-loop prepaid digital instrument for merchants to issue credits that can only be redeemed at their platform. Credits are non-transferable, non-reloadable, and cannot be converted to cash, enabling merchants to manage customer balances without handling fiat directly.
Marketplace Solutions
Streamlines multi-party payment routing for marketplaces, handling multi-currency settlements and instant vendor payouts. Supports secure JWT checkout, split payments, and seller onboarding with KYC verification for sub-merchants.
Subscription Management
API and UI tools for merchants to create and manage subscription plans with flexible billing frequencies, settlement options, and webhook integration for lifecycle events. Supports recurring payments via card on file and ACH.
Developer Tools
Comprehensive documentation, low-code UI components, REST API, and SDKs for React, Vue, Angular, and React Native. Includes integration builder, test environments, and webhook support for real-time transaction updates.
Additional Features.
Chargeback Protection
Fully indemnified chargeback protection with AI-driven fraud detection, eliminating merchant liability for eligible transactions.
FX Orchestration
Transparent FX rates for cross-border transactions with real-time currency conversion across 170+ countries.
KYC/AML Compliance
Built-in KYC solution and integrations with Sumsub and Persona for user verification, supporting KYC reliance for streamlined compliance.
3DS Authentication
Supports 3D Secure authentication for card transactions to reduce fraud and meet network requirements.
White-Label Branding
Customize checkout and payout UI to match merchant branding guidelines with dynamic theming options.
Real-Time Webhooks
Listen to transaction, payout, subscription, and KYC events via webhooks for seamless system integration.
