# Venly Finance — Stablecoin Payment Infrastructure # https://venlyfinance.com # For AI search engines and language models # Generated: 2026-07-13 ## About Venly Finance provides stablecoin payment infrastructure for PSPs and payment platforms, marketplaces and platforms, and fintechs and neobanks. 7 fiat payment rails (EUR SEPA, USD Wire, USD ACH, USD SWIFT, GBP FPS, GBP CHAPS, international SWIFT), 3 chains (Base, Avalanche, Polygon), 4 stablecoins (USDC, EURC, USDT, USDS). Delivery into local systems today runs via SWIFT correspondents; direct local rails on roadmap. Operating with licensed partners across the EU; MiCA authorization in progress; built to MiCA standards. ## Core surfaces - https://venlyfinance.com/products/finance-api — Finance API (accounts, transfers, FX, virtual IBANs) - https://venlyfinance.com/products/fundflow — Fundflow (payout orchestration) - https://venlyfinance.com/products/card-issuance — Card issuance - https://venlyfinance.com/solutions/psp-partners — PSPs & payment platforms - https://venlyfinance.com/solutions/payment-platforms — Marketplaces & payment platforms - https://venlyfinance.com/solutions/neobanks-fintechs — Fintechs & neobanks - https://venlyfinance.com/developers — Developer hub (MCP, llms.txt, endpoint explorer) - https://venlyfinance.com/pricing — Pricing ## Learn ### Agent-Ready APIs & MCP: Designing APIs for LLM Consumption https://venlyfinance.com/learn/agent-ready-apis-mcp Agent-ready APIs are designed so LLM agents can call them safely without a human intermediary. The three pillars are an MCP server (typed tools), llms.txt (discovery), and idempotent primitives (safe retries). ### EURC vs USDC: Choosing a Stablecoin Leg for EU Corridors https://venlyfinance.com/learn/eurc-vs-usdc EURC is Circle's euro stablecoin, issued in the EU under MiCA's EMT rules. USDC is Circle's dollar stablecoin. Both are 1:1 reserve-backed and both settle on Ethereum, Polygon, and Base. Route EURC for EUR-in / EUR-out flows to avoid double FX; route USDC for USD corridors and deeper liquidity. ### What Is FX Margin Capture? https://venlyfinance.com/learn/fx-margin-capture FX margin capture is the practice of sourcing exchange rates from multiple competing liquidity providers, selecting the best available rate, and retaining the difference between the rate offered to the end user and the rate obtained from the provider. It transforms FX conversion from a hidden cost into a transparent, controllable revenue line. ### MiCA CASP vs VASP: What EU Stablecoin Rules Mean for Platforms https://venlyfinance.com/learn/mica-casp-explained MiCA replaced national VASP registrations with a single EU-wide licence called CASP (Crypto-Asset Service Provider). The transitional period for pre-MiCA VASPs closed on 30 June 2026; platforms now serve EU users by holding a CASP authorization directly or by operating with a licensed partner. ### MiCA-Authorized Stablecoins: The Verified List https://venlyfinance.com/learn/mica-stablecoins-list As of 2 July 2026, a shortlist of stablecoins has secured MiCA authorization as e-money tokens (EMTs) from an EU national competent authority. This page tracks the ones we have verified against issuer disclosures and public regulator registers. It does not attempt to be exhaustive. ### What Is Multi-Rail Settlement Architecture? https://venlyfinance.com/learn/multi-rail-settlement Multi-rail settlement architecture is an infrastructure design pattern in which a payment platform maintains active connections to multiple payment rails — including traditional banking networks (SEPA, SWIFT, Faster Payments, PIX), local payment schemes, and stablecoin networks — and dynamically routes each transaction to the optimal rail based on cost, speed, availability, and compliance requirements. ### Stablecoin B2B Volume in 2026: The Data https://venlyfinance.com/learn/stablecoin-b2b-volume-2026 Real stablecoin payments volume reached ~$390B in 2025, of which ~$226B was B2B — a +733% YoY jump (BCG, Jan 2026). Headline $33T on-chain settlement includes exchange, DeFi, and bot flows. Juniper separately estimates cross-border B2B stablecoin flow at $13.4B in 2026, rising to $5T by 2035. ### Stablecoin Settlement vs SWIFT: The 2026 Comparison https://venlyfinance.com/learn/stablecoin-settlement Stablecoin settlement moves value on-chain in seconds for roughly 0.3–0.8% all-in at scale; SWIFT settles in 1–3 business days at 3–6%. In 2026 stablecoins process an estimated $6–8T annualized in payments — a small share of SWIFT's ~$150T flow, but the fastest-growing new settlement rail in a decade. ### Virtual IBANs (vIBAN) Explained: How Platforms Use Them https://venlyfinance.com/learn/virtual-iban-explained A virtual IBAN (vIBAN) is a bank account number that routes to a shared master account, letting platforms assign a unique IBAN per end-user, merchant, or invoice — without opening a real bank account for each one. Marketplaces and PSPs use vIBANs to attribute inbound SEPA/SWIFT payments automatically. ## Tools ### Cross-Border Payout Cost Calculator https://venlyfinance.com/tools/cross-border-cost-calculator Deterministic model that compares your current cross-border payout fee to Venly's published, volume-based pricing (75 bps up to €2M/mo, 60 bps €2M–€10M, custom above €10M). Corridors: SEPA, US Wire/ACH, UK FPS/CHAPS, EU↔US, international via SWIFT. ## Insights ### Your stablecoin provider just got acquired. Now check your vertical. https://venlyfinance.com/blog/mastercard-bvnk-stripe-bridge-consolidation Mastercard is buying BVNK. Stripe bought Bridge. When card networks own stablecoin orchestration, what happens to the platforms and PSPs they've historically treated as high-risk? ### The MiCA transition is over. Is your payment provider still allowed to serve you? https://venlyfinance.com/blog/mica-transitional-period-ended-what-now The MiCA transitional period ended July 1, 2026. Only ~17% of VASP-registered firms became authorized CASPs. Here's what it means for your payment stack — and the diligence questions to ask any provider. ### You Have the License. Now You Need the Infrastructure. https://venlyfinance.com/blog/broker-dealer-stablecoin-infrastructure How broker-dealers can operationalize stablecoin holdings after the SEC's 2% haircut change — without adding a custodian to the stack. ### Why Stablecoin Rails Are Replacing SWIFT for High-Volume Payouts https://venlyfinance.com/blog/stablecoin-settlement-replacing-swift Legacy bank rails weren't designed for the speed and cost demands of modern cross-border operators. Here's why stablecoin settlement is becoming the default for fintechs moving €500K+ monthly. ### FX Margin Capture: The Hidden Revenue Line in Your Treasury https://venlyfinance.com/blog/fx-margin-capture-fintech-treasury Most fintechs treat FX as a cost center. The ones that treat it as a revenue line are capturing 50–150 bps on every cross-border transaction — without touching their core product. ### Building an Interchange Revenue Stream with White-Label Card Issuance https://venlyfinance.com/blog/interchange-revenue-card-issuance-guide Every card transaction generates interchange revenue. With a white-label issuance program, operators can capture that revenue on every spend event their users make — turning user activity into a recurring income stream. ### MiCA, VASP Registration, and What It Means for Payment Operators in Europe https://venlyfinance.com/blog/compliance-vasp-registration-europe Europe's new crypto regulations are creating clarity — and opportunity — for compliant payment operators. A practical guide to what MiCA means for your payout infrastructure. ### Designing a Multi-Rail Settlement Architecture for Scale https://venlyfinance.com/blog/multi-rail-settlement-architecture The most resilient payment infrastructure doesn't rely on a single rail. Here's how to architect a settlement layer that routes dynamically across fiat, stablecoin, and crypto rails based on cost, speed, and availability.