May was a month of expansion and control.

We significantly broadened what merchants can do with new fiat and crypto payment rails designed for merchant growth, multi-currency payouts, and native mobile SDKs. At the same time, we went deep on the infrastructure side: merchant statements were updated, and our analytics warehouse went live. With 167 PRs shipped over four weeks, it was one of Coinflow's highest-velocity months.

Here's what we built.

New payment rails across crypto and fiat

What we shipped

Coinflow's payment surface area grew substantially in May.

• SEPA and UK Faster Payments: SEPA and UK Faster Payments now live for both pay-ins and payouts, with multiple redundancy layers, expanding European coverage with open banking coming soon
• Multi-currency delegated payouts: merchants submit payout amounts in their local currency with automatic USD conversion
• ACH limits raised: significantly increased for both pay-ins and payouts
• Merchant-initiated crypto refunds: merchants can now refund crypto payments directly from the dashboard, matching the existing card refund workflow
• Passive deposit addresses: customers get stable, reusable deposit addresses for recurring crypto pay-ins; no per-transaction session setup required
• Faster crypto checkout: returning users can now switch to crypto in two taps, down from four

Why it matters

Crypto refunds and passive deposit addresses close two long-standing gaps—merchants finally have a self-serve refund workflow, and recurring crypto pay-ins no longer require custom integration work for each transaction. The additional redundancy for SEPA and UK Faster Payments creates more optionality for merchants serving European customers.

Impact

Checkout rebuilt, mobile SDKs launched

What we shipped

The checkout experience received attention at every layer this month.

• Card entry component rebuilt: dynamic sizing with support for both stacked and inline layouts, eliminating the per-merchant CSS workarounds that had accumulated over time
• Native mobile card form SDKs: Swift, Android, and Flutter SDKs ship for the first time, giving merchants a first-class mobile integration path that does not rely on web views
• API V2 Payment Intents: launched as the foundational primitive for the next-generation Coinflow API
• In-app merchant support chat: Pylon-powered chat widget embedded directly in the merchant dashboard
• Three new onboarding verticals: Trading Card Platforms, Retail/E-Commerce, and Supplements, each with adaptive question flows

Why it matters

The card component rebuild eliminates a whole class of per-merchant visual issues—the kind that required one-off CSS fixes and created inconsistency across integrations. Native mobile SDKs are a significant unlock for merchants whose customers primarily pay on mobile. API V2 Payment Intents sets the foundation for where the Coinflow API is headed.

Impact

Compliance infrastructure and reconciliation upgrades

What we shipped

Compliance infrastructure received major investment in May.

• Compliance Center: a new consolidated dashboard for risk assessment and monitoring, paired with a 14-stage underwriting workflow with AI assistance
• Statements V2.5: a full overhaul of merchant statements, updating shared-wallet reconciliation
• Watchlist rechecks on every withdrawal: every withdrawal now triggers a fresh watchlist check, not just at onboarding
• Card token encryption in blockchain memos: a previously exposed data point is now encrypted end-to-end
• Bank account name match visibility: merchants can now see name match status directly in their dashboard

Why it matters

The Statements V2.5 overhaul transforms reconciliation accuracy for parent merchants using shared wallets—fixing errors that were directly eroding trust. The Compliance Center consolidates what had been a patchwork of separate views into a single, real-time operational hub.

Impact

Looking ahead

May was about pushing the edges of what the platform can do while hardening what's underneath.

We expanded into new rails, new geographies, and new form factors—while simultaneously overhauling compliance tooling, fixing reconciliation errors, and standing up the analytics infrastructure the team has needed for a while. The fact that both stories happened in the same month speaks to the pace at which the team is operating.

The focus going forward remains clear:

Expand payment coverage and international reach. Keep compliance infrastructure ahead of the curve. Build the data foundation that powers smarter decisions.

Reliable infrastructure is what earns merchant trust at scale. We're building that.