Global commerce moves at internet speed, but payments haven’t kept up. Around the time we launched Coinflow in 2023, the World Bank reported that cross-border transactions cost businesses an average of 6% per transfer, and fail often enough to cost merchants billions in lost sales each year.

I’ve seen this “cost of doing business globally” damage merchants’ bottom lines firsthand — and sometimes, beyond the point of no return. Whether it was waiting days for funds to settle, headaches with fraud and chargebacks, or tied-up reserve accounts limiting merchant growth, I knew we had to create the next great innovation in payments.

Coinflow is on a mission to power the world’s fastest-moving businesses with the fastest global payments. With the announcement of our Series A funding round led by Pantera Capital, Coinflow takes a significant step forward in furthering our mission.

Global Payments Remain Fractured

Payment systems power the global economy, but they remain fragmented. Accepting money is slow, expensive, and prone to fraud. Even as commerce has gone digital, money movement remains stuck in a web of outdated networks, intermediaries, and delays.

At Coinflow, we believe the payment layer of the internet should be instant, secure, and truly global. Merchants shouldn’t be forced to wait days for settlement, lose revenue to fraud, or manage a patchwork of local payment rails.

That’s why we set out to build a new foundation — one that combines stablecoins, AI-driven fraud prevention, and blockchain proof-of-delivery into a single platform.

Why This Series A Matters

Our $25 million Series A round, led by Pantera Capital, is more than a financing milestone. It’s a catalyst to scale the infrastructure that will make instant, cross-border payments a default expectation rather than an exception.

With this funding, we’re positioned to:

• Expand payout coverage to 100+ countries, with particular focus on Asia and Latin America — regions where businesses face some of the steepest payout frictions.
• Enhance approval rates through advanced orchestration, helping merchants capture more revenue without adding risk.
• Enhance payout liquidity and efficiency, enabling funds to move seamlessly across jurisdictions.
• Grow our global team, especially across the U.S. and EU, to meet increasing demand.

Each of these steps gets us closer to one goal: building the world’s next-generation payment service provider (PSP).

What This Means for Merchants

Merchants across industries — including marketplaces, fintechs, gaming, payroll, remittance, and ecommerce — are already leveraging Coinflow’s infrastructure to unlock growth with faster money movement, higher approval rates, and more secure customer experiences.

Merchants are the heartbeat of global commerce — and their pain points have been clear:

• Long settlement times choke cash flow.
• High decline rates cut into revenue.
• Fraud and chargebacks increase costs and erode trust.

With Coinflow, merchants gain:

• Instant settlement, ensuring faster reinvestment and growth.
• Fraud and chargeback indemnification, removing the hidden costs of disputes.
• Global reach from day one, with a single integration unlocking pay-ins and payouts across borders.
• Treasury activation by earning yield on balances.
• A personalized integration and onboarding process with long-term support from our solutions engineering team.

When money moves faster and more securely, businesses grow more quickly and securely. That’s the core promise we’re delivering to our clients.

What This Means for the Industry

The payments industry is entering a new era. For decades, it has been dominated by legacy providers that optimize around old rails. But the next decade belongs to platforms that combine stablecoins, AI, and blockchain transparency to create infrastructure built for a global-first internet economy.

We’re not just solving inefficiencies — we’re redefining what merchants can expect from payments:

• No more waiting days for funds to settle.
• No more patchwork of local intermediaries.
• No more hidden fraud costs.

Instead, the industry moves toward a standard where instant, global, and trusted payments are simply how money moves.

Looking Ahead

This Series A is the beginning of our next chapter. But the larger story is about where payments are headed:

• Merchants will expand globally more quickly because payment barriers are no longer a hindrance.
• Consumers will have smoother, safer checkout experiences, free from declined transactions and hidden risks.
• The industry will consolidate around modern infrastructure, leaving behind the inefficiencies of legacy networks.

At Coinflow, we’re committed to leading this shift — not just as a payments provider — but as a partner to every business.

When I speak with merchants, the frustration is always similar: why can’t payments work as fast and efficiently as the internet? With this funding, we’re proving that they can, and they must. Coinflow is building the rails for the next decade of commerce, and we’re just getting started.

To our investors, our team, and our merchants, thank you for believing in this vision. Together, we’re reshaping what’s possible in global payments.

If you’re a merchant looking to elevate your payments technology, Coinflow is your ideal growth payments partner. We’re here to help you solve your biggest payment challenges. Let’s talk — book a demo today!