← State of Embedded Finance 2026

Alchemy Pay

Can a fiat-crypto payment gateway become the compliance-grade financial infrastructure layer for global Web3 businesses — bridging traditional acquiring rails and digital-asset economies?

HQSingapore
IndustryFintech / Cross-border payments
The story

Alchemy Pay started as a fiat-crypto payment gateway and has progressively deepened its embedded finance stack through strategic acquirer partnerships (Worldpay, Checkout.com) to extend card-based on/off-ramp coverage globally. In 2024 it moved beyond pure gateway into Web3 digital banking for enterprises, offering multi-fiat accounts and treasury-style crypto-fiat conversion. By 2025, it layered in Travel Rule compliance via Sumsub, signalling a shift from payments infrastructure into regulated, compliance-grade Web3 banking.

Last 12 months
2025-08
Product timeline
2022
Maintained PCI-DSS v3.2.1 certification as Alchemy GPS Europe UAB, establishing compliance foundation for card-based fiat-crypto payments.· pivot
2023
Partnered with Checkout.com to expand On & Off-Ramp payment support.· banking
2023
Partnered with Worldpay to integrate Visa and Mastercard payment rails into On & Off-Ramp and NFT Checkout products.· card
2024
Announced Web3 Digital Bank launch offering multi-fiat accounts and fiat-crypto conversion for Web3 enterprises.· banking
2025
Integrated Sumsub's Travel Rule solution across the entire product suite to strengthen regulatory compliance.· pivot
Regulated entities
PCI-DSS Service Provider Certification
Lithuania (EU) · 2022
Alchemy GPS Europe UAB
The stack
Payments / PSP
WorldpayCheckout.com
Accounting gap: none