Global payments & treasury platform

Make money move
like information.

Accept money by any method, anywhere. Settle in seconds, on stablecoins or fiat. Your call. One balance, one integration, licensed partners underneath. That's it. That's the platform.

Get early access For developers
No setup fees · No minimums · No local entity required
LIVE NETWORK · MONEY IN MOTION
AVG SETTLEMENT
1.3s
T Activity Lagos → New York
LIVE
AVAILABLE BALANCE · USD
$38,558.00
+$1,240
USD
18,400
NGN
742,000
USDC
12,900
EUR
6,250
PAYMENT PIPELINE
Payment received
Card · global acquiring
$1,240
Routed
Best path · FedNow → USDC
42ms
Settled
USD · bank account
3.1s
Transparent FX · no hidden margin
LAGOS → DUBAI · ₦920,000 1.31s
TRANSACTY
SETTLED ✓
BANK WIRE
DAY 1 OF 3…
One integration · every rail
VisaMastercardAmexSEPAFedNowUPIPixUSDC
01 — The problem
A fork in how money moves

Money is just information.

An email crosses the planet in
0.3s
Your money takes
3 days

That's not physics. That's plumbing: separate systems that don't talk to each other, each taking a cut, each adding a day.

4
vendors & contracts
4
statements to reconcile
4%
lost to hidden FX margin
0
visibility into your real cash position

So we rebuilt it from first principles

If money is information, it should move like information. One platform. One balance. Seconds.

The old way disconnected

Watch one payment try to cross: collect, convert, wire. A vendor and a cut at every hop.

$100.00 · Lagos → Dubai lost −$0.00 time 0.0d
$
Card acquiring separate contract
FX conversion 4% hidden margin
SWIFT · via bank or crypto provider 3-day wires
Reconciliation 4 statements
Arrives…still in transit
The Transacty way ONE BALANCE

One platform. Every rail. One balance.

Collect from anyone, route down the cheapest legal path, and settle in seconds. Crypto and fiat, one integration.

COLLECT
Any method
TRANSACTY
Route & convert
SETTLE
Seconds
Same $100in flight…
1
integration
1.3s
median settle
0
hidden FX margin
02 — What Transacty does

Every capability. One platform.

Built for the way money actually moves: collect from anyone, pay any beneficiary, and settle across every rail, all from a single integration.

01 · COLLECT

Collect from anyone, anywhere

Card acquiring worldwide, local methods like M-Pesa, Pix, UPI, QRIS and Fawry, bank transfers into virtual accounts, and crypto through the integrated gateway. One platform, every method.

VisaMastercardM-PesaPixUPIQRISFawrySEPAUSDCBTC
02 · PAYOUT

Pay any beneficiary

SWIFT, SEPA, ACH, local rails, card payouts, and crypto across five chains. We pick the cheapest legal path, and you can always override it.

HUB NGN bankM-PesaUSDC
03 · SETTLE

Settle on stablecoins

USDC & USDT as the cross-border backbone. 4–72 hours where wires take days. Transparent FX, no hidden margin.

USD
INSTANT
EUR
SAME-DAY
NGN
4–72h
USDC
ON-CHAIN
04 · ACCOUNTS

Virtual accounts

Dedicated multi-currency account numbers in USD, EUR, GBP, AED, SGD & more. Hold in fiat or stablecoin, convert when ready.

EUR · VIRTUAL IBAN
DE89 3704 •••• 32
AED · IBAN
AE07 0331 •••• 19
05 · GATEWAY

Crypto payment gateway

Drop in a checkout widget, send a link, or call the API. USDC, USDT, BTC, ETH across five chains.

PAY WITH CRYPTOLIVE
50.00 USDC
Ethereum Tron Solana +2
03 — Global coverage

Every rail.
Every market.

From mobile money in Africa to Pix in Brazil and open banking in Europe, every region reaches the local methods your customers already trust. One integration covers them all.

One balance. Every border. Money that moves the moment you do.

7 regions 28 live markets network live
LIVE SETTLEMENTS · LAST 60s STREAMING
LagosDubai
USDC · 1.2s
NairobiLondon
SEPA · 3.4s
JakartaDubai
Local · 2.1s
HanoiSingapore
VietQR · 0.8s
São PauloLisbon
Pix · 1.6s
AccraNew York
Card · 4.0s
RAIL REACH
Cards180+ markets
Banking28 markets
APMs900+ methods
Digital5 chains
Africa GCC South Asia LatAm Europe
900+
Local payment methods
47
Settlement currencies
180+
Countries & territories
1.3s
Median settle time

Stablecoin services are provided by licensed partner institutions and are limited to payment facilitation and conversion (on/off-ramp). Transacty does not provide financial, investment, or advisory services related to stablecoins.

Markets

Local expertise. Global reach.

Live across four regions and 28 markets, with deep local coverage spanning Africa, Latin America, Asia, and Europe, all through one integration, with no local entity setup. Choose a region to explore.

Africa
Latin America
Asia
Europe

Africa

23 markets

Native mobile money and local bank rails across the continent, from M-Pesa to instant bank transfers, settled next-day.

Mobile money Bank rails Cards
Nigeria Kenya Ghana Senegal Ivory Coast Tanzania Uganda Benin Togo Mali Zambia Rwanda Burkina Faso DR Congo Malawi Congo-Brazzaville Gabon Mozambique Guinea-Conakry Ethiopia Lesotho Liberia Sierra Leone
LIVE Payment received · Lagos · NIP bank transfer · 1.1s
04 — Who builds on Transacty

One platform. Every kind of business.

From fintechs and banks to gaming, travel, enterprises, and global marketplaces: pick an industry and watch how its money moves through Transacty.

Fintech & wallets
Wallets · neobanks · PSPs
Banks & institutions
Banks · PSPs · BaaS
E-commerce & retail
Lagos, NG → global
Gaming & digital
Players everywhere
Travel & hospitality
Cross-border by nature
Marketplaces
Cairo, EG
Enterprises & corporates
Non-financial · multi-entity
Agencies & services
Dubai, AE
FINTECH embedded

Move your users' money as fast as they expect.

Embed collect-and-payout inside your wallet or neobank. Card and local top-ups in, instant cross-border sends out, all settled on USDC through one API.

COLLECT
Card · local top-up
TRANSACTY
Route & convert
SETTLE
USDC · instant send
00.0sin · card · local top-up
00.1sroute · best legal path · FX locked
01.3susdc · instant send · settled ✓
1.3s
median cross-border send
Embedded API Payouts USDC Webhooks
05 — How it works

One payment. Four moves. Seconds.

Follow a single payment from integration to settlement, routed and cleared in real time across the best available rail.

STEP 01

Integrate

Connect via API or our hosted solution, without a heavy integration lift.

const tx = await tr.pay({
amount: 48_200,
to: "acc_ng"
})
200 OK · 12ms
STEP 02

Route

Our engine finds the best path in real time across every available rail.

Path A0.8s
Path B · best0.6ms
Path C3.0s
STEP 03

Process

Transactions are securely completed locally with full compliance.

KYBOK
AMLOK
SANCTIONSCLEARED
STEP 04

Settle

Funds settle in your preferred currency, on your preferred schedule.

Your account
$241,890
LIVE
Built for builders · developers

Crypto payments, built right into your product.

The cleanest way to add stablecoin and crypto acceptance to anything you build. Hosted checkout, payment links, and SDKs in Node, Python, PHP, and Ruby. Multi-chain out of the box, real-time webhooks, sandbox access in one click.

Read the docs → Get sandbox access →
MULTI-CHAINEthereum · Tron · Solana · Polygon · BNB Chain
COMPLIANCEChainalysis-monitored · sanctions-screened · KYB-verified
SETTLEMENTSettle to fiat or hold as crypto. Your choice
create-payment.js node
const transacty = require('@transacty/sdk');

const payment = await transacty.payments.create({
  amount: 5000,
  currency: 'USDC',
  chains: ['ethereum', 'tron', 'solana'],
  settlement: 'fiat',
  settlementCurrency: 'USD',
  webhookUrl: 'https://yourapp.com/webhook'
});

// Returns a hosted checkout URL or QR code
console.log(payment.checkoutUrl);
200 OK · checkout ready · 240ms
Trusted by leading payment & infrastructure partners
Yellow Card
WEMA BANK
FABBank
PaySwitch
eganow
PayOK
Redbiller
onafriq
Across Nigeria, Ghana, and pan-African rails
For banks, PSPs & crypto infrastructure

Money should move like the internet. Help us build the backbone.

The next 100,000 borderless businesses need rails that just work. Volume flows both ways: partners process theirs through us, and we route ours through partners with the rails. Together it compounds.

You bring
Rails Trust Technology
We bring
Volume Reach Speed
Partner with us Grow together. Win together.
01
Tier 2 banks
Issuing, acquiring & holding · Africa & Middle East
02
PSPs & BaaS
Processing & banking-as-a-service · EU & UK
03
Stablecoin & ramps
Issuers & on/off-ramps powering settlement
04
Custody & compliance
Custodians & partners for KYB, AML & monitoring
06 — Trust centre

Built to be trusted with money.

Transacty routes money through licensed partners and bakes compliance, resilience, and security into every transaction from day one, never as an add-on.

Running · live KYB AML Sanctions Monitoring all clear

Licensed rails

Funds are held with licensed partner banks in each market. We operate the infrastructure; we never hold your money ourselves.

Compliance native

KYB, AML, sanctions screening, and transaction monitoring from day one, backed by Chainalysis and Sumsub.

Always on

Real-time monitoring, automatic rail failover, and resilient multi-rail infrastructure built for high availability.

Encrypted & controlled

Encryption in transit and at rest, role-based access, and full audit trails. SOC 2 is on the near-term roadmap.

UAE-registered Funds with licensed partner banks Chainalysis-monitored Sumsub KYB / AML SOC 2 (on roadmap) Read our compliance posture
07 — The plan

Where this goes.

01 · NOW

Move the money.

One API across Africa, the GCC, South Asia, and Europe. Slipstream finds the fastest rail. Money just moves.

02 · NEXT

Give money a brain.

A treasury that thinks: sees every rail, forecasts every flow, answers any question about your cash. Instantly.

03 · END STATE

Become the OS.

One platform for everything money does. If your business touches money, it runs on Transacty.

Don't tell anyone.
Join the first wave

We're building this with the first 200. Then everyone.

200 founding businesses across Africa, the GCC, South Asia, and Europe. Pricing locked for 24 months. A direct line to the founders. You decide what gets built next.

Request early access Talk to the team