Onchain Infrastructure · 2026
ONE GATEWAY · FIAT & ONCHAIN, ONE BALANCE

The bridge between fiat and onchain. In one balance.

Suby is a payment gateway that collects in cards, APMs and crypto, and roots every payment into a single unified balance in USD, USDC, EUR or EURC. From there a merchant can hold, convert and pay out however they want, fiat to stablecoin, crypto to fiat, stable to stable. We orchestrate the rails; you get one integration and one ledger.

Talk to us → suby.fi
Suby payment gateway illustration
300+
Payment methods · cards, APMs & crypto
700+
Tokens accepted, across 30+ chains
4
Currencies in the unified balance
60+
Payout currencies · fiat & stablecoin
OUR MERCHANTS

The volume we bring onchain.

700 active merchants across 40+ countries, 100+ inbound leads a week, and a $30M+ book in active integration or signed contracts, across SaaS, e-commerce, gaming, digital products, fintech and marketplaces.

SaaS E-commerce Gaming Digital products Marketplaces Fintech
In active integration & contract discussions
$30M+ in committed merchant volume locked in for 2026, active integrations or signed contracts with category leaders.
SonySony
Impossible FinanceImpossible Finance
RaribleRarible
AlmanakAlmanak
AirtmAirtm
01 · THE MONEY LIFECYCLE

Collect anywhere. Unify. Settle anywhere.

The core of Suby is not a single payment method, it's the full lifecycle of the money. Funds come in as cards, bank rails or crypto, get consolidated into one balance, and go out as stablecoin onchain or fiat to a bank. Every conversion in between is handled for the merchant.

Pay-in
Cards, Visa, Mastercard, Amex
APMs, SEPA, iDEAL, ACH, Pay by Bank
Stablecoins, USDC, USDT, EURC
Any token, 700+, via LI.FI
30+ chains, EVM + Solana
Unified balance
One balance, fiat & onchain
USD USDC EUR EURC
All inbound is consolidated into one ledger. Conversions, fiat↔stable, crypto→stable, stable↔stable, run under the hood. Live FX, no markup.
Pay-out
USDC on Base, Solana, Polygon
Stellar coming soon
Fiat to bank, USD / EUR
Local stablecoins, flexible
No bank account required
02 · CONVERSION PATHS

Every direction of the cycle, handled.

Because everything routes through one balance, any entry method can settle into any exit method. These are the lifecycle paths a merchant can run, we abstract the conversion entirely.

Card / APM USDC / EURC
A customer pays in fiat by card or bank; the merchant receives stablecoin onchain. The fiat-to-stable conversion happens automatically.
Powered by Borderless.xyz
Any token Fiat to bank
A customer pays in any crypto on any chain; the merchant cashes out to a bank account in USD or EUR. Crypto-to-fiat off-ramp built in.
Powered by LI.FI + Borderless.xyz
Any token / chain USDC on Base
Pay in 700+ tokens across 30+ chains. We bridge and swap so it lands as USDC on Base, one canonical settlement asset, no matter the source.
Powered by LI.FI
USDC Local stablecoin
Stable-to-stable across regions. We're flexible on payout in local stablecoins, so merchants can settle in the asset their market actually uses.
Stable ↔ stable, flexible
03 · INFRASTRUCTURE

We orchestrate best-in-class rails. We don't reinvent them.

Suby sits on top of proven infrastructure and wires it into one product. Here's what powers each leg of the lifecycle.

Fiat ↔ Stablecoin
Borderless.xyz
Our on/off-ramp layer. Converts fiat to stablecoin on pay-in and stablecoin to fiat on payout, so any card or bank payment can live onchain, and back.
Crypto routing & bridging
LI.FI
Lets customers pay in any token on any supported chain. LI.FI bridges and swaps it down to USDC on Base, our canonical settlement asset. 30+ chains, 700+ tokens.
Payout chains
BaseBase SolanaSolana PolygonPolygon StellarStellarSoon
Inbound coverage
USDCUSDC USDTUSDT ETHETH SOLSOL EURCEURC +700+ tokens · 30+ chains
04 · THE GATEWAY

One integration, the whole stack.

Collect
Pay-in, any method
Cards, APMs and crypto behind one checkout, API or paylink. The customer pays how they want; you don't manage a dozen processors.
Consolidate
Unified balance
One ledger across fiat and stablecoin. Hold in USD, USDC, EUR or EURC, convert at live FX with no markup, see every payment in one place.
Settle
Pay-out, your choice
Withdraw as USDC on Base, Solana or Polygon, or off-ramp to a bank in USD or EUR. Flexible local-stablecoin payouts. Stellar coming soon.
Stay compliant
Screening built in
Inbound wallets are screened against OFAC and sanctions lists. AML-grade monitoring across the full lifecycle, not bolted on at the end.
05 · PRICING

Clear rates per leg of the cycle.

One published price per rail. Conversions inside the balance run at live FX with no hidden spread.

Stablecoin & crypto pay-in 1.5% Details
USDC, EURC, USDT and more1.50%
Any token, bridged via LI.FI to USDC on Base1.50%
Flat rate, no fixed fee · network gas at cost
Card & APM pay-in 1% to 6.5% Details
Cards (EU / US debit, credit, prepaid)4.00% + $0.40
SEPA / iDEAL / Pay by Bank1.00% +
BNPL (Klarna, Alma)6.50%
Payout & off-ramp 0% to 1% Details
USDC to wallet, Base / Solana / Polygon0.50% + $0.10
Fiat off-ramp to bank, USD / EUR0.00% + $0.50
Local stablecoin / exotic1.00% + $1.00
Volume pricing available. These are our displayed rates. Processing real volume, or partnering on a rail? We negotiate custom pricing. Talk to us.
Let's connect a rail.
Whether you issue a stablecoin, run an on/off-ramp, or operate a chain, we want to plug you into the lifecycle. We move fast and keep it simple.
Book a call → gaspard@suby.fi