BVNK

Overview

BVNK is the enterprise stablecoin payments platform purpose-built for B2B money movement — closing the “closed-loop” stablecoin sandwich of fiat in → stablecoin leg → fiat out across 130+ countries. Merchants accept stablecoins from global customers and automatically settle into USD, EUR or GBP via named virtual IBANs, all on a single regulated platform.

BVNK holds EMI licences in Malta and the UK and is ISO 27001:2022 and SOC 2 Type II certified, with 100% of customer e-money funds safeguarded. It integrates directly with traditional rails — Swift, ACH, Fedwire, SEPA, Faster Payments and CHAPS — so businesses keep their existing treasury flow and simply add stablecoins as a global payment option.

Six core capabilities run off one integration: Send (always-on global payouts), Receive (stablecoin acceptance), Store (unified fiat + stablecoin accounts), Convert (real-time FX), Spend (card issuing against stablecoin balances) and Earn (rewards on idle balances) — no separate vendor per capability.

Mastercard announced its acquisition of BVNK in March 2026 for up to $1.8 B, underscoring BVNK's position as the regulated stablecoin payments backbone for enterprises.

Best for: regulated businesses, marketplaces, brokers, exchanges and PSPs that want to accept stablecoins or move money cross-border with fiat on both ends — without handling crypto, custody or compliance themselves.

Fees & Pricing

BVNK's economics are built around the “stablecoin sandwich”: merchants pay a modest processing fee plus conversion spreads, while stablecoins handle the cross-border leg for a fraction of Swift or card FX costs. Settlement lands in 1–2 minutes on average — up to 8× fee savings versus traditional correspondent-bank transfers.

Pricing at a glance

Processing fee — typically 0.25–0.5% per transaction (custom pricing for volume merchants).
Conversion spread — applied on fiat↔stablecoin FX; BVNK offers flexibility on whether to surface it separately or fold it into the processing fee.
Network fee — BVNK only charges for Ethereum, Bitcoin and Tron; Solana and others are near-zero. Example: a $5k USDT transfer costs ~$1–5 on Ethereum, ~$1–3 on Tron, sub-cent on Solana.
Platform account fee — varies; typically a few thousand USD for enterprise setups.
No chargebacks — stablecoin payments are final, removing card chargeback risk.

Settlement

Accept stablecoins → auto-convert to USD, EUR or GBP → settle via named virtual IBAN.
Seconds, not days — 24/7/365 including weekends and bank holidays.
Withdraw to your own bank or fund further payouts off the same balance.

Features & Integrations

Stablecoin-to-fiat bridge

Accept stablecoins (USDC, USDT, EURC) globally and auto-convert to USD, EUR or GBP at the point of receipt.
Named virtual IBANs give each merchant conventional banking-style account details for fiat settlement.
Withdraw to your own bank or fund third-party payouts via Swift, ACH, Fedwire, SEPA, Faster Payments and CHAPS.

Six products from one integration

Receive — stablecoin payment acceptance with hosted pages or custom API.
Send — always-on global stablecoin payouts (average 1–2 minute settlement).
Store — unified fiat and stablecoin accounts.
Convert — real-time FX between fiat and stablecoins.
Spend — card issuing against stablecoin balances.
Earn — rewards on idle balances.

Flexible integration

Hosted Payment Pages (conversion-optimised, fastest to launch).
Payment Links for invoices and pay-by-link flows.
Full API with solutions-engineer support for custom builds.
Channel addresses — generate a unique address per customer to automate attribution for invoices or user accounts.
Wrong-chain payments are auto-routed to the correct chain by BVNK.

Broad chain & token support

Supports Ethereum, Polygon, Solana, Tron, BNB, Bitcoin and Cardano.
All major stablecoins through a single API: USDC, USDT, EURC.
Purpose-built for stablecoins rather than bolted onto an exchange.

Three delivery models

Direct — run stablecoin payments for your own business via the portal or API.
Embedded — you control UX, BVNK handles compliance, onboarding and execution.
Managed Payments — turnkey: BVNK provides licensing, custody and compliance.

Pros & Cons

Pros

Stablecoin-native — purpose-built for USDC, USDT, EURC across Ethereum, Polygon, Solana, Tron, BNB, Bitcoin and Cardano
One integration covers Send / Receive / Store / Convert / Spend / Earn — no separate vendor per capability
Auto-converts stablecoins to USD, EUR or GBP with named virtual IBANs
Direct integration with Swift, ACH, Fedwire, SEPA, Faster Payments and CHAPS
Regulated — EMI licences in Malta and the UK; MiCA-aligned
ISO 27001:2022 and SOC 2 Type II certified; 100% of e-money funds safeguarded
130+ countries; settle cross-border in 1–2 minutes on average
No chargebacks — stablecoin payments are final
Auto-routes wrong-chain payments to the correct chain
Managed Payments lets you delegate licensing, custody and compliance to BVNK
Mastercard acquiring BVNK (announced March 2026) — strong institutional backing
Hosted Payment Pages, Payment Links and full API for fast go-live

Cons

B2B / enterprise-focused — not a lightweight merchant plugin for small WooCommerce stores
KYC required; full compliance onboarding can take 2–8 weeks for API integration
Best fit is the fiat→stablecoin→fiat sandwich; pure onchain/self-custody merchants may prefer Coinbase Commerce
Custom pricing not published; enterprise account fees can run into the thousands
Stablecoin-led — limited support for volatile coins like BTC/ETH as the primary acceptance asset
Embedded wallet model is a BVNK-ledger account, not an onchain self-custodial wallet

Frequently Asked Questions

What is BVNK?

Enterprise stablecoin payments platform. Merchants accept stablecoins globally and auto-settle into USD, EUR or GBP via named virtual IBANs — the regulated closed-loop stablecoin sandwich for B2B money movement.

How much does BVNK cost?

Typically a 0.25–0.5% processing fee per transaction plus conversion spread and network fees (BVNK only charges for Ethereum, Bitcoin and Tron). Custom pricing is available for volume merchants.

How fast is settlement?

Stablecoin settlement lands in 1–2 minutes on average, 24/7/365 including weekends and bank holidays — up to 8× cheaper than Swift.

Which stablecoins and chains are supported?

USDC, USDT and EURC across Ethereum, Polygon, Solana, Tron, BNB, Bitcoin and Cardano. Payments made on the wrong chain are auto-routed to the correct one.

Can I settle in fiat?

Yes — stablecoins auto-convert to USD, EUR or GBP and settle into named virtual IBANs. Withdraw via Swift, ACH, Fedwire, SEPA, Faster Payments or CHAPS.

Do I need to handle crypto custody?

No. With Managed Payments, BVNK provides licensing, custody and compliance. You can also embed it under your own UX where BVNK still handles compliance and execution.

What can I do with BVNK?

Six core capabilities from one integration: Send (payouts), Receive (acceptance), Store (fiat + stablecoin accounts), Convert (FX), Spend (card issuing) and Earn (rewards on idle balances).

Is BVNK regulated?

Yes — EMI licences in Malta and the UK, ISO 27001:2022 and SOC 2 Type II certified, with 100% of customer e-money funds safeguarded.

Who is BVNK best for?

Regulated businesses, marketplaces, brokers, exchanges and PSPs that want to accept stablecoins or move cross-border money with fiat on both ends — without handling crypto custody or compliance themselves.