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Extremely excited to announce our Series A funding round!
"If you can perform better and faster, then volume naturally flows to you."
Coinflow is proud to announce our $25M Series A round led by @PanteraCapital to power billions in global payment volume.
Read more about what this means for the future of global payments in s://t.co/oCt9YW6eb2
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🪩 @CoinflowLabs events. IYKYK.
Our team is back at it again @ Coinflow HQ, partnering with NYC Fintech Women for their official Chicago chapter launch.
Too many women are building fintech careers without a community to lean on. NYC Fintech Women exists to change that: more wide share knowledge, create opportunities, and open doors for each other.
Now we're opening our doors to celebrate their official arrival in Chicago.
Some of you already know each other.
Plenty of you don’t yet.
That’s the point of the night.
Thursday, Nov. 12, 5:30–8:30 p.m. CT, at Coinflow HQ in River North.
Space is limited.
RSVP → luma.com/ulhqvxfu
Our team is back at it again @ Coinflow HQ, partnering with NYC Fintech Women for their official Chicago chapter launch.
Too many women are building fintech careers without a community to lean on. NYC Fintech Women exists to change that: more wide share knowledge, create opportunities, and open doors for each other.
Now we're opening our doors to celebrate their official arrival in Chicago.
Some of you already know each other.
Plenty of you don’t yet.
That’s the point of the night.
Thursday, Nov. 12, 5:30–8:30 p.m. CT, at Coinflow HQ in River North.
Space is limited.
RSVP → luma.com/ulhqvxfu
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You paid for the click. The shopper filled the cart. The card shouldn't be where the sale ends.
Coinflow is now on WooCommerce. One plugin, no code, more approved sales, and approved card payments settled in seconds, 24/7/365.
Coinflow is now on WooCommerce. One plugin, no code, more approved sales, and approved card payments settled in seconds, 24/7/365.
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Daniel Lev retweeted
You paid for the click. The shopper filled the cart. The card shouldn't be where the sale ends.
Coinflow is now on WooCommerce. One plugin, no code, more approved sales, and approved card payments settled in seconds, 24/7/365.
coinflow.cash/blog/woocommer…
Coinflow is now on WooCommerce. One plugin, no code, more approved sales, and approved card payments settled in seconds, 24/7/365.
coinflow.cash/blog/woocommer…
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Everyone talks about what instant settlement does for cash flow.
Not many people talk about what it does to compliance.
Risk systems were built for T+2. A payment goes through, and a team has a day or two to review alerts, investigate anything odd, and step in before the money is gone.
That window is a safety net. Nobody puts it on a feature list, yet every team leans on it.
When money settles in T+5 seconds, 24/7/365, the safety net is gone.
Screening, monitoring, and the underwriting decision must happen inside the transaction. No human queue can keep up, so the system makes the call and people handle the exceptions.
You can’t bolt instant settlement onto rails built for T+2. The speed is the primitive.
The fraud and compliance work underneath had to be rebuilt for real time, and it gets sharper with every transaction.
Most people never see that part of what we do. It’s why we can settle funds in T+5 seconds, 24/7/365.
Not many people talk about what it does to compliance.
Risk systems were built for T+2. A payment goes through, and a team has a day or two to review alerts, investigate anything odd, and step in before the money is gone.
That window is a safety net. Nobody puts it on a feature list, yet every team leans on it.
When money settles in T+5 seconds, 24/7/365, the safety net is gone.
Screening, monitoring, and the underwriting decision must happen inside the transaction. No human queue can keep up, so the system makes the call and people handle the exceptions.
You can’t bolt instant settlement onto rails built for T+2. The speed is the primitive.
The fraud and compliance work underneath had to be rebuilt for real time, and it gets sharper with every transaction.
Most people never see that part of what we do. It’s why we can settle funds in T+5 seconds, 24/7/365.
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Daniel Lev retweeted
Chicago fintech is on the rise. On Nov. 12, we’re celebrating the women leading the way. 🥂
Standing Room Only: @NYCFintechWomen's Chicago chapter launch party at Coinflow HQ.
Less conference. More celebration.
RSVP → luma.com/ulhqvxfu
Standing Room Only: @NYCFintechWomen's Chicago chapter launch party at Coinflow HQ.
Less conference. More celebration.
RSVP → luma.com/ulhqvxfu
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Chicago ✈️ San Francisco ✈️ Las Vegas ✈️ New York City. Four cities in a week.
Four distinct rooms: Founders dinner with @highnotesocial, @PanteraCapital's Blockchain Summit, the @money2020 with @stutireal, and @willventures Variance Summit.
Thank you to everyone who spent , partners, and investors, and plenty of conversations where one person was all three.
Three threads ran through the week.
The question changed. Not long ago, the first question was whether stablecoins matter.
This week, the conversations started with how: how they plug into the cards, ACH, and local rails merchants already run.
The value sits where networks connect. Cards, ACH, RTP, and wallets on the outside, stablecoins doing the work underneath. That’s our Network of Networks in practice.
Software is the next customer. Agentic payments kept coming up, and the teams building them need rails that settle in seconds and never close. Volume is real, and it’s happening now.
@CoinflowLabs is headed up and to the right, and not because of a token chart or a hype cycle.
The numbers we watch: 3–7% approvals lift over traditional processors, T+5 second settlement, 24/7/365 money movement, more rails connected, and more merchants growing.
Back to Chicago. Back to building.
Four distinct rooms: Founders dinner with @highnotesocial, @PanteraCapital's Blockchain Summit, the @money2020 with @stutireal, and @willventures Variance Summit.
Thank you to everyone who spent , partners, and investors, and plenty of conversations where one person was all three.
Three threads ran through the week.
The question changed. Not long ago, the first question was whether stablecoins matter.
This week, the conversations started with how: how they plug into the cards, ACH, and local rails merchants already run.
The value sits where networks connect. Cards, ACH, RTP, and wallets on the outside, stablecoins doing the work underneath. That’s our Network of Networks in practice.
Software is the next customer. Agentic payments kept coming up, and the teams building them need rails that settle in seconds and never close. Volume is real, and it’s happening now.
@CoinflowLabs is headed up and to the right, and not because of a token chart or a hype cycle.
The numbers we watch: 3–7% approvals lift over traditional processors, T+5 second settlement, 24/7/365 money movement, more rails connected, and more merchants growing.
Back to Chicago. Back to building.
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Daniel Lev retweeted
Just wrapped Money20/20. My biggest takeaway as a VC: the two forces reshaping fintech right now are AI agents and stablecoins.
@SirDigitalDan from @CoinflowLabs and I dug into both in our fireside.
Some takeaways:
* Where will value accrue?
AI is collapsing the cost of ins the cost of settlement. This changes value accrual, when those inputs aren’t scarce. I’m expecting value to migrate to regulated trust, proprietary data, distribution, underlying physical assets, networks.
* What does stablecoins as programmable money unlock?
Funds and spending rules can execute together, letting a product enforce agent budgets or trigger conditional payouts with less coordination across banks, processors and operational teams.
* Where is agent demand emerging?
Dan pointed to compute, inference and data APIs, which agents need to complete tasks. I’m looking for infra on fraud, KYA, chargebacks, and merchant side ops to help proliferate agentic commerce usage.
* Who carries agent liability?
A purchase can comply with the spending rules and still be a mistake. Before delegating larger budgets, businesses will want audit trails, a way to dispute purchases and an agreement on who absorbs losses.
* Where’s the distribution advantage?
Local integrations and merchant relationships give providers access to existing payment volume. Stablecoins can improve settlement without changing how customers pay. (Coinflow connects cards, ACH and PIX this way.)
* How do existing PSPs participate?
A provider can earn a processing fee when a developer funds an agent by card, even if subsequent payments settle in stablecoins. (Coinflow powers card funding for Tempo’s MPP Credits.)
Thanks for the week @money2020! Curious what others took away too!
@SirDigitalDan from @CoinflowLabs and I dug into both in our fireside.
Some takeaways:
* Where will value accrue?
AI is collapsing the cost of ins the cost of settlement. This changes value accrual, when those inputs aren’t scarce. I’m expecting value to migrate to regulated trust, proprietary data, distribution, underlying physical assets, networks.
* What does stablecoins as programmable money unlock?
Funds and spending rules can execute together, letting a product enforce agent budgets or trigger conditional payouts with less coordination across banks, processors and operational teams.
* Where is agent demand emerging?
Dan pointed to compute, inference and data APIs, which agents need to complete tasks. I’m looking for infra on fraud, KYA, chargebacks, and merchant side ops to help proliferate agentic commerce usage.
* Who carries agent liability?
A purchase can comply with the spending rules and still be a mistake. Before delegating larger budgets, businesses will want audit trails, a way to dispute purchases and an agreement on who absorbs losses.
* Where’s the distribution advantage?
Local integrations and merchant relationships give providers access to existing payment volume. Stablecoins can improve settlement without changing how customers pay. (Coinflow connects cards, ACH and PIX this way.)
* How do existing PSPs participate?
A provider can earn a processing fee when a developer funds an agent by card, even if subsequent payments settle in stablecoins. (Coinflow powers card funding for Tempo’s MPP Credits.)
Thanks for the week @money2020! Curious what others took away too!
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Just wrapped my conversation with Stuti Pandey at @money2020. I’m still thinking about a few things:
AI is pushing the cost of thinking toward zero. Stablecoins are doing the same to the cost of moving money.
When both happen at once, who captures the value?
Stuti’s answer is and distribution. I’d add that it all sits at the edges, where money enters and leaves through cards, ACH, PIX, and local wallets.
Merchants don’t ask us for crypto. They ask for faster money.
Stablecoins do the work in between, just as most people don’t know how ACH works but know when their paycheck hits their account.
Here’s the real thing, though. The next customer on those rails is software.
When the buyer is an agent, the checkout page changes drastically. Agentic payments start with agents paying for what they consume, like inference, compute, and data, per request, in fractions of a cent.
Coinflow is already powering that with Tempo.
People still fund those agents with cards and bank accounts, so the job is connecting both sides. That’s our Network of Networks, applied to agents.
Liability is the open question: who pays when an agent buys the wrong thing. It makes fraud and chargeback indemnity even more important.
We’re built on that foundation and have been doing it for years, but everyone should build the future of agentic commerce.
If you’re in Vegas and working on agentic payments, find me or DM me.
AI is pushing the cost of thinking toward zero. Stablecoins are doing the same to the cost of moving money.
When both happen at once, who captures the value?
Stuti’s answer is and distribution. I’d add that it all sits at the edges, where money enters and leaves through cards, ACH, PIX, and local wallets.
Merchants don’t ask us for crypto. They ask for faster money.
Stablecoins do the work in between, just as most people don’t know how ACH works but know when their paycheck hits their account.
Here’s the real thing, though. The next customer on those rails is software.
When the buyer is an agent, the checkout page changes drastically. Agentic payments start with agents paying for what they consume, like inference, compute, and data, per request, in fractions of a cent.
Coinflow is already powering that with Tempo.
People still fund those agents with cards and bank accounts, so the job is connecting both sides. That’s our Network of Networks, applied to agents.
Liability is the open question: who pays when an agent buys the wrong thing. It makes fraud and chargeback indemnity even more important.
We’re built on that foundation and have been doing it for years, but everyone should build the future of agentic commerce.
If you’re in Vegas and working on agentic payments, find me or DM me.
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At @money2020 this week, one question comes up a lot: does @CoinflowLabs only work with crypto companies?
No. Far from it.
Merchants accept the payments their customers already use. Cards, ACH, Apple Pay, PayPal, Venmo, Cash App, Interac, SEPA, PIX, and more.
#Stablecoins sit ent that usually takes T+2-3 days to reach the merchant now settles in T+5 seconds.
Want crypto pay-ins and payouts? You can have them. Don’t? You never see it.
In Vegas? Find me and let’s chat.
No. Far from it.
Merchants accept the payments their customers already use. Cards, ACH, Apple Pay, PayPal, Venmo, Cash App, Interac, SEPA, PIX, and more.
#Stablecoins sit ent that usually takes T+2-3 days to reach the merchant now settles in T+5 seconds.
Want crypto pay-ins and payouts? You can have them. Don’t? You never see it.
In Vegas? Find me and let’s chat.
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I’ll be on the Money20/20 stage in Las Vegas next week with Stuti Pandey from @PanteraCapital.
📍 October 20th, 4:40 PM @ The Intersection Stage
We’re talking about two things getting cheap at the same time: cognition, thanks to AI, and settling money, thanks to stablecoins.
free, where does the value in payments end up?
Stuti’s view is that it moves away from the rails and toward regulated trust, data, and distribution.
I’ll bring the view from inside @CoinflowLabs, a company running this in production right now.
A merchant accepts payment via card, Venmo, ACH, PIX, you name it. Under the hood, we settle in #stablecoins.
The merchant never sees it. Neither does their customer. Both get the outcome they desire faster and more securely than ever.
Let’s keep the conversation going after. If you’ll be at #Money2020USA, DM me, and we can find time.
📍 October 20th, 4:40 PM @ The Intersection Stage
We’re talking about two things getting cheap at the same time: cognition, thanks to AI, and settling money, thanks to stablecoins.
free, where does the value in payments end up?
Stuti’s view is that it moves away from the rails and toward regulated trust, data, and distribution.
I’ll bring the view from inside @CoinflowLabs, a company running this in production right now.
A merchant accepts payment via card, Venmo, ACH, PIX, you name it. Under the hood, we settle in #stablecoins.
The merchant never sees it. Neither does their customer. Both get the outcome they desire faster and more securely than ever.
Let’s keep the conversation going after. If you’ll be at #Money2020USA, DM me, and we can find time.
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Talked to an operator at @G2Eshows last week who's living this.
Mid-sized platform, ~$3M/month in volume. Their processor flagged their dispute ratio and hit them with a rolling reserve: 15% held back for 180 days.
The math:
Week one: $100K+ parked in someone else's account.
K.
Quarter one: over $1M, still climbing until day 180, when it plateaus around $2.7M.
That's not a fee. That's your working capital held hostage.
He's not an outlier. Almost everyone I talked to had a version of this story.
We underwrite gaming risk from the start: approvals that hold, chargebacks absorbed, and no surprise offboarding when volume surges.
Your processor shouldn't be the reason you have a cash flow problem.
Mid-sized platform, ~$3M/month in volume. Their processor flagged their dispute ratio and hit them with a rolling reserve: 15% held back for 180 days.
The math:
Week one: $100K+ parked in someone else's account.
K.
Quarter one: over $1M, still climbing until day 180, when it plateaus around $2.7M.
That's not a fee. That's your working capital held hostage.
He's not an outlier. Almost everyone I talked to had a version of this story.
We underwrite gaming risk from the start: approvals that hold, chargebacks absorbed, and no surprise offboarding when volume surges.
Your processor shouldn't be the reason you have a cash flow problem.
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Last day at @G2Eshows. I've been having the same conversation for four days straight: operators don't realize how many good players they're declining.
Prepaid cards, small repeat top-ups, VPN traffic, players in emerging markets… Your favorite game’s generic risk model flags it all as fraud.
One operator told me they'd completely written off an entire region as "bad at converting."
Turns out, it wasn't the region. It was the processor.
Then, the chargebacks. In-game currency, skins, passes, tournament entries are spent instantly and disputed weeks later as "the item wasn't what I expected."
After enough of those, you get a warning letter. Enough warning letters and you get dropped, no notice. Your business halts. The closed network strikes again.
So people run two processors just in case. And their players still wait days to get paid.
What seems like multiple distinct problems is actually one: a payments stack built for retail, bent sideways to fit an industry that moves faster and riskier than almost anything else.
Higher approvals on exactly the players other processors flag.
Chargebacks absorbed instead of stacking against you.
Payouts in seconds.
That’s the new standard for gaming payments.
Prepaid cards, small repeat top-ups, VPN traffic, players in emerging markets… Your favorite game’s generic risk model flags it all as fraud.
One operator told me they'd completely written off an entire region as "bad at converting."
Turns out, it wasn't the region. It was the processor.
Then, the chargebacks. In-game currency, skins, passes, tournament entries are spent instantly and disputed weeks later as "the item wasn't what I expected."
After enough of those, you get a warning letter. Enough warning letters and you get dropped, no notice. Your business halts. The closed network strikes again.
So people run two processors just in case. And their players still wait days to get paid.
What seems like multiple distinct problems is actually one: a payments stack built for retail, bent sideways to fit an industry that moves faster and riskier than almost anything else.
Higher approvals on exactly the players other processors flag.
Chargebacks absorbed instead of stacking against you.
Payouts in seconds.
That’s the new standard for gaming payments.
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Daniel Lev retweeted
Innovation is built. Growth comes from who you build it with.
Coinflow 4x'd our team in the past year, with 50+ of us at our River North HQ. Some even packed up and moved to this great city to join our team. Chicago is home.
We're honored to be named a Top 100 Finalist for the ovation Awards, alongside innovators like Abbott, Letter AI, United Airlines, and many more building across the region.
The People's Choice Award is up to you, #Chicago. Vote for Coinflow: chicagoinnovation.com/nominations
Coinflow 4x'd our team in the past year, with 50+ of us at our River North HQ. Some even packed up and moved to this great city to join our team. Chicago is home.
We're honored to be named a Top 100 Finalist for the ovation Awards, alongside innovators like Abbott, Letter AI, United Airlines, and many more building across the region.
The People's Choice Award is up to you, #Chicago. Vote for Coinflow: chicagoinnovation.com/nominations
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Most people think payment service providers just process transactions.
But those built with the network at the core unlock more for merchants and for the network itself. Let me explain.
Every rail we connect — cards, ACH, PIX, SEPA, RTP, wallets — makes the @CoinflowLabs e valuable to every merchant on it.
More global merchants = worth connecting the next network
More rails = more ways to get paid
Every transaction sharpens fraud models for everyone, not just one merchant. Approval rates climb as the network grows.
One day, you look up, and your payments processor has become your growth network. 📈
But those built with the network at the core unlock more for merchants and for the network itself. Let me explain.
Every rail we connect — cards, ACH, PIX, SEPA, RTP, wallets — makes the @CoinflowLabs e valuable to every merchant on it.
More global merchants = worth connecting the next network
More rails = more ways to get paid
Every transaction sharpens fraud models for everyone, not just one merchant. Approval rates climb as the network grows.
One day, you look up, and your payments processor has become your growth network. 📈
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Most platforms treat PayPal and Venmo like a checkbox, not a real rail.
No saved accounts. No payout support. Often no chargeback protection.
Cards get full infrastructure. Everything else gets bolted on.
@CoinflowLabs helped to close that gap this month.
Saved accounts, wallet payouts, chargeback protection across most rails.
Same infrastructure cards have always had. No exceptions.
No saved accounts. No payout support. Often no chargeback protection.
Cards get full infrastructure. Everything else gets bolted on.
@CoinflowLabs helped to close that gap this month.
Saved accounts, wallet payouts, chargeback protection across most rails.
Same infrastructure cards have always had. No exceptions.
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Everything we shipped last month → coinflow.cash/blog/new-at-co…
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21 of the world's largest banks (including Goldman Sachs, BofA, Citi, Deutsche Bank, UBS, and Wells Fargo) just announced a joint USD stablecoin.
Target launch is H1 2027.
The detail that matters: JPMorgan isn't on that list.
They're running a different bet. Tokenized deposits via The Clearing House.
Same problem. Two architectures.
And notably, this is happening regardless of Washington. The #CLARITY Act failed a key Senate vote yesterday.
The banks aren't waiting for that to start building.
Let's see what’s next. 👀
Target launch is H1 2027.
The detail that matters: JPMorgan isn't on that list.
They're running a different bet. Tokenized deposits via The Clearing House.
Same problem. Two architectures.
And notably, this is happening regardless of Washington. The #CLARITY Act failed a key Senate vote yesterday.
The banks aren't waiting for that to start building.
Let's see what’s next. 👀
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Most processors work great for ticketing platforms for ~250 days a year.
Then an on-sale hits. Volume spikes 20x in an afternoon. The processor built for steady flow treats your biggest day as fraud.
Rolling reserves. Chargeback liability by default. Payouts bolted onto a stack ways.
We built @CoinflowLabs for the shape ticketing actually takes:
✦ Multi-acquirer orchestration for demand surges
✦ Instant settlement, 24/7/365
✦ Chargebacks indemnified, not absorbed
✦ Pay-ins, splits, payouts in one API
If your processor was built for collecting money, and your business moves it both ways.
That's the mismatch worth fixing.
Then an on-sale hits. Volume spikes 20x in an afternoon. The processor built for steady flow treats your biggest day as fraud.
Rolling reserves. Chargeback liability by default. Payouts bolted onto a stack ways.
We built @CoinflowLabs for the shape ticketing actually takes:
✦ Multi-acquirer orchestration for demand surges
✦ Instant settlement, 24/7/365
✦ Chargebacks indemnified, not absorbed
✦ Pay-ins, splits, payouts in one API
If your processor was built for collecting money, and your business moves it both ways.
That's the mismatch worth fixing.
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