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COMPANY detail

OPENPAYD
Move and Manage Money Globally

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OPENPAYD
Company Overview.
Year Founded 2015
Status Private
Specialties Payment Infra, BaaS
Company Size 51-200 Employees
Industry Financial Services
Location London, UK
Description.

OpenPayd is a UK-based financial infrastructure company founded in 2015, headquartered in London with additional offices in Malta (St Julian's), Sofia (Bulgaria), Istanbul (Turkey), and Paris (France). The company operates through multiple regulated entities: SettleGo Solutions Limited (trading as OpenPayd) is FCA-authorised as an Electronic Money Institution in the UK (FRN: 900483), while OpenPayd Financial Services Malta Limited is regulated by the Malta Financial Services Authority as a Financial Institution, and OP Digital Services Limited is licensed as a VFA Service Provider for digital asset services. OpenPayd Canada, Inc. is registered as a Money Services Business with FIN-TRAC.

The company provides a rail-agnostic platform combining traditional finance with digital assets under one API, offering Banking-as-a-Service (BaaS), Virtual IBANs (70+ currencies), multi-currency accounts (35+ major currencies), on/off ramp services, stablecoin management (USDC, USDT, EURC, RLUSD, FDUSD), and FX trading. The platform processes over $180 billion annually across more than 1,000 enterprise clients and 5 million connected accounts, with 99.99% uptime. Notable clients include Kraken, Ripple, Bitfinex, B2C2, Wirex, Caxton, LMAX Group, and TON Foundation. OpenPayd raised $25 million in Series B funding in 2024 and was recognized as winner of the "Best Early-Stage or Future Payments Initiative" Award at the 2026 Cards and Payments Awards

Key Infrastructure.
Banking-as-a-Service (BaaS) Embed banking and payment services into any platform via API for white-label financial products
Virtual IBANs Issue unlimited virtual IBANs across 70+ currencies for automated payment reconciliation
Stablecoins Receive, hold, convert, and send stablecoins (USDC, USDT, EURC, RLUSD) globally with embedded accounts
Accept Payments Receive domestic and international payments globally through multiple payment rails
Send Payments Automate global payouts at scale with real-time processing and transparent FX rates
On/Off Ramp Seamless fiat-to-crypto conversion with instant settlement via API, dashboard, or OTC desk
Additional Features.
Sandbox Environment
Testing environment to explore API functionality before going live
Developer Documentation
Comprehensive API docs, guides, and reference information at apidocs.openpayd.com
Regulatory Coverage
Multi-jurisdiction licensing: UK FCA EMI, Malta MFSA (Financial Institution + VFA), Canada FIN-TRAC
Enterprise Compliance
AML/KYC controls built into payment flows with dedicated compliance team
Instant Settlement
Real-time settlement capabilities for fiat and digital asset transactions
OTC Desk
Expert in-house trading team for large-volume crypto-fiat conversions

GENERAL Questions.

What does this company do?
OpenPayd provides universal financial infrastructure for the digital economy, enabling businesses to embed banking, payments, stablecoins, and on/off ramp services via API. It acts as a B2B infrastructure provider connecting traditional finance with digital assets.
Who are their main clients?
Fintech companies, digital asset businesses (exchanges, brokers, crypto platforms), forex brokers, remittance providers, marketplaces, and platforms requiring embedded finance capabilities.
Are they licensed?
Yes - OpenPayd operates through multiple regulated entities: FCA-licensed Electronic Money Institution in UK, MFSA-regulated Financial Institution and VFA Service Provider in Malta, and FIN-TRAC registered Money Services Business in Canada.
What blockchains/stablecoins supported?
Supports major stablecoins including USDC, USDT, EURC, RLUSD, and FDUSD. Platform is rail-agnostic and supports multiple blockchains for stablecoin operations.

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