← Embedded Finance Index 2026

Finassets

“Can a low-fee, Panama-registered B2B crypto payment gateway capture the high-risk, cross-border merchant segment that traditional processors systematically exclude?”

Founded2021
HQPanama City, Panama
IndustryFintech / Crypto

The story

Founded in 2021 (with roots in crypto and iGaming since 2014), Finassets operates as a Panama-registered B2B crypto payment gateway under the legal entity TROPIC GATEWAY SOLUTION S.A. The company targets high-risk, cross-border verticals — iGaming operators, e-commerce, Web3/dApps, and affiliate payout platforms — that are typically underserved or excluded by traditional payment processors like Stripe. Its core embedded finance offering is stablecoin payment infrastructure: accept 70+ cryptocurrencies, auto-convert to USDT/USDC/DAI, and disburse via mass payouts, positioning itself as the low-fee crypto rails layer for high-volume B2B merchants.

Last 12 months

2025-10

Finassets reduced crypto payment transaction fees to a tiered structure ranging from 0.40% (0–$1M volume) down to 0.20% (above $15M volume).

2026-05

Updated Terms of Service, Data Breach Policy, and AML/CTF Program documents published under TROPIC GATEWAY SOLUTION S.A. as of 04.05.2026.

Product timeline

2021

Finassets (TROPIC GATEWAY SOLUTION S.A.) launched as a B2B crypto payment infrastructure provider registered in Panama.· pivot

2025

Introduced tiered progressive fee structure reducing transaction fees from 0.40% down to 0.20% based on volume, along with TRON Energy Saving System.· banking

2026

Expanded product suite to include crypto-to-fiat/stablecoin auto-convert, mass payouts, crypto invoicing, and payment button features documented publicly.· pivot

Regulated entities

regulatory licence held by Finassets

Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.

The stack

1 layer disclosed in Finassets’s embedded-finance stack

Payments / PSP

Finassets (self-operated)

Accounting gap: none