PhotonPay - Company Profile

Founded in Hong Kong in 2015, PhotonPay is a global fintech company building a next-generation, stablecoin-centric Financial Operating System (Financial OS). Its API-first architecture brings together multi-asset wallets supporting stablecoins and fiat currencies, global money movement, foreign exchange, global card issuing, embedded finance, and local clearing infrastructure, connecting digital and traditional financial rails within an integrated financial system. PhotonPay operates 16 offices worldwide, employs nearly 600 people, and holds 34 payment and financial licenses and regulatory authorizations across the Americas, Europe and Asia. The company serves businesses across more than 200 countries and territories. Products Multi-Asset Wallet: Supports fiat currencies and stablecoins, with integrated asset conversion and FX. Global Accounts & Payments: Local collection accounts, cross-border payouts, and access to local clearing systems. Global Card Issuing: Virtual and physical cards with programmable spending controls. Embedded Finance: API-based integration of accounts, payments, and card issuing into third-party platforms. Agent-Ready Financial Infrastructure: Developing AI-compatible financial interfaces and policy-based execution capabilities for agentic payments. Differentiators Unified Fiat and Stablecoin Infrastructure: Connects digital asset liquidity with traditional banking, clearing, and card networks in one integrated system. Deep Local Market Connectivity: Local collection coverage in 17 markets, support for 60+ currencies, and 100+ payout routes, including 74 major local e-wallets. API-First and Programmable: Enables businesses and platforms to integrate and automate financial workflows through a unified infrastructure. Established Global Network: Backed by 34 payment and financial licenses and regulatory authorizations, and institutional partnerships with J.P. Morgan, Standard Chartered, and DBS. Proven Scale: Serves 200,000+ business customers across 200+ countries and territories, with US$65 billion in annualized transaction volume as of August 2026.