Routefusion
“Can a single API abstract the entire global payments stack — local rails, SWIFT, stablecoins, and multi-currency accounts — reliably enough to become the default cross-border infrastructure layer for platforms and fintechs worldwide?”
Founded in 2016 as a neobank, Routefusion's co-founders quickly discovered that cross-border payments infrastructure was deeply fragmented and inaccessible. They pivoted to building a unified API layer over multiple banking and payment partners, enabling platforms and fintechs to embed global payments without managing dozens of individual integrations. The company has since expanded into multi-currency accounts, local rails (SEPA, PIX, ACH), SWIFT, and stablecoin-funded settlement, positioning itself as a resilient, multi-rail alternative to single-provider BaaS platforms that have shown regulatory and operational fragility.