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← Embedded Finance Index 2026

Everyrealm

“Can a web3 capital deployer and community builder create a sustainable digital-economy business by combining gaming/virtual-world operations with stablecoin-native financial infrastructure?”

Founded2021
HQ853 Broadway, 4th Floor, New York, NY 10003, USA
FoundersJanine Yorio, Jesse Stein
Total raised$73.91M
Latest roundUnattributed seed, ~4 years ago ($550K)
IndustryFintech / Crypto
The story

Founded in 2021 as Republic Realm, Everyrealm started as a metaverse real estate investment vehicle during the 2021-2022 NFT/metaverse boom, deploying capital into virtual land in Decentraland, The Sandbox, and other worlds. After the metaverse hype cycle cooled, the company rebranded to Everyrealm and pivoted toward broader web3 infrastructure, social gaming, and digital economies. It now positions itself as a capital deployer into crypto and community-driven projects (40+ to date) while operating subsidiaries across gaming and virtual world development. The embedded finance angle centers on stablecoin-denominated global contractor payments, reflecting its distributed global workforce in the web3 ecosystem.

Last 12 months
2024-04
2024-01
Product timeline
2021
Founded as Republic Realm, a metaverse-focused real estate and investment company, deploying capital into virtual land and digital assets.· pivot
2022
Rebranded to Everyrealm and expanded from virtual real estate into broader web3 infrastructure, social gaming, and digital economies.· pivot
2023
Launched portfolio of subsidiaries including Everyworld, Hometopia, and Bedlam Gaming; published video game titles; built tools for identity, ranking, relationships, and events.· banking
2024
Deployed Toku contractor management and stablecoin payments infrastructure to pay global contractors across 20+ countries with 87% lower costs than traditional banking.· pivot
The stack
3 layers disclosed in Everyrealm’s embedded-finance stack
Payroll
Toku
FX & payouts
in the full report
Crypto
in the full report
Accounting gap: significant
2 more providers across 2 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.

Everyrealm — frequently asked

Who handles Everyrealm's FX and cross-border payouts?

Everyrealm uses Toku for FX and cross-border payouts.

Which payroll provider does Everyrealm use?

Everyrealm's payroll is powered by Toku.

Which crypto provider does Everyrealm use?

Everyrealm's crypto products run on Toku.

What is Everyrealm's embedded finance stack?

The Embedded Finance Index 2026 maps 3 layers in Everyrealm's stack: Payroll (Toku); FX & payouts (Toku); Crypto (Toku).

Who founded Everyrealm?

Everyrealm was founded by Janine Yorio and Jesse Stein and is founded in 2021, headquartered in 853 Broadway, 4th Floor, New York, NY 10003, USA.

How much funding has Everyrealm raised?

Everyrealm has raised $73.91M in total (latest round: Unattributed seed, ~4 years ago ($550K)).

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