Local-first payment infrastructure for global digital businesses
Infrastructure for the next era of finance
Stage
Startup
Startup
Founded
2025
2024
Based in
HK
IT
Pricing model
Paid
Contact for pricing
Pricing
US-issued cards from 2.5% + US$0.30 per transaction; cards issued outside the US from 4.0% + US$0.30 per transaction; local payment methods from 1.2%; US$0 setup fee, US$0 annual fee, no minimum monthly billing.
Not given
Key features
Global card acquiring with direct connection to major card networks
Support for 150+ local payment methods including UPI, Pix, MoMo, Alipay and WeChat
Subscription and recurring billing management
Mass payouts to 50+ markets with minimum fee of 0.1 USD
Multi-currency wallet and settlement
USD virtual card issuing for advertising and AI subscriptions
24/7 multilingual customer support
Local payment settlement as fast as T+1 in selected markets
White-label wallets, cards and accounts
Custodial, non-custodial and MPC wallet options
Four payment rails: SEPA Instant, cards, stablecoin and e-money
KYC, AML and travel rule compliance built-in
Multicurrency ledger supporting EUR, USD, GBP and stablecoin
2-second settlement time for Aurea Pay
Programmable yield vaults with audit trails
Tokenized RWA including treasuries, funds and receivables
Cross-border payments with 27+ corridors
Card issuing with 3DS and rewards
What makes it different
Local payment methods reach 90% coverage in target markets with localized interfaces
Dispute resolution 50% faster than traditional providers
Fee reduction of 30-50% through transparent pricing and volume-based rates
Capital efficiency improvement of 3-5x with fast local settlement
98% payout success rate with direct connection to local clearing systems
First 100% EU-native infrastructure for on-chain finance
Unified API replacing multiple vendor integrations
Compliance and audit perimeter built at platform layer
HaiPay
Aurea Hub