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Tempo

Provider
FX / PayoutsCrypto / Stablecoin

Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 13 companies across 2 categories.

tempo.xyz ↗Also analysed as a company — its own stack →
CategoriesFX / Payouts, Crypto / Stablecoin
Rank#5 of 57 in Crypto / Stablecoin
Buyers13 companies
Founded2025
Raised$500M

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Founders & story · from Tempo’s own dossier

Tempo (tempo.xyz) is a stablecoin-native embedded finance infrastructure provider, distinct from the home-fitness company Tempo (tempo.io) and the project management SaaS also called Tempo (tempo.io). This analysis covers tempo.xyz — an infrastructure play offering stablecoin financial accounts (USDC.e, ARSX, EURX, GBPX), local payment rail connectivity, card spending, and embedded yield to platforms and marketplaces. The Stripe changelog confirms Tempo as a recognised blockchain network for crypto payments, positioning it in the emerging stablecoin embedded finance layer.

Latest round: Series A, 2025 · Investors: Greenoaks Capital, Thrive Capital, Sequoia Capital, Ribbit Capital, SV Angel
Recent developments
  • 2026-03Stripe added Tempo as a recognised blockchain network option for crypto payments in its Charge object payment_method_details.crypto.network enum. source ↗
  • 2026-09Partnered with Knova, a financial-operations platform connecting institutions' existing systems, asset data and transaction workflows, so banks can launch tokenized payment products (stablecoins, tokenized deposits) on Tempo's settlement network while keeping their existing custody/payment providers. Institutions connect supported TIP-20 assets or create new tokens through Knova, which supports transfers and, with issuer permissions, minting/burning. source ↗
  • 2025-10-17Raised a $500M Series A at a $5B valuation, led by Greenoaks Capital and Thrive Capital, with Sequoia Capital, Ribbit Capital and Ron Conway's SV Angel participating — one of the largest blockchain venture rounds to date. Stripe and Paradigm, Tempo's original incubators, did not add capital in this round. source ↗
  • 2026-03-18Mainnet launched — a payments-first Layer 1 incubated by Stripe and Paradigm, purpose-built for stablecoins and real-world payments — with launch/design partners including Visa, Mastercard, Shopify, Standard Chartered, DoorDash, Ramp, Revolut, Nubank, Anthropic and OpenAI. source ↗
Full dossier: Tempo’s own stack, layer by layer →
Who uses Tempo
13 companies disclose Tempo in their stack
DoorDashDeelMoneygramKastStripeFelix PagoKartaARQHoward Hughes HoldingsCoastal Community BankEl DoradoAltitude+1 more
Buyer mix · 13 of 13 classified
Fintech / Crypto · 3Fintech / Cross-border payments · 2Fintech / Neobank · 2Bank / Sponsor · 1Fintech / SMB banking · 1Horizontal SaaS / HR & Payroll · 1Infrastructure / Payments · 1Marketplace / Food delivery · 1
US · 8LATAM · 2EU · 1APAC · 1
What the disclosures say
DoorDash
“Tempo stablecoin payout partnership confirmed by CryptoBriefing and Yahoo Finance. [coerced currencies: kept "USD", also reported: CAD; AUD; NZD; multi-currency] Astra's Payments Cloud began powering instant deposits for DoorDash Crimson in July 2026, letting Dashers add funds from external accounts in real time via V…”
View source · prnewswire.com ↗
Moneygram
“MoneyGram's own corporate homepage describes itself as operating 'the world's largest crypto-to-cash and cash-to-crypto network' with 'live, scaled stablecoin use cases.' The MoneyGram Ramps product is listed on moneygram.com as 'Connect crypto to cash in minutes.' https://tempo.xyz/customer-stories/moneygram”
View source · tempo.xyz ↗
Kast
“Homepage mentions 'deposit & swap SOL, ETH or BTC directly to USDC to spend IRL'; card terms reference 'Supported Blockchain: Ethereum, Polygon, Optimism, Arbitrum'. kast.xyz footer: 'custody, and on/off ramp services are provided by licensed partners.' known_customer_listings confirms Kast is listed as customer by a '…”
View source · tempo.xyz ↗
Stripe
“Added 2026-09-30: Bridge (Stripe's stablecoin subsidiary) is the issuer of OUSD, a jointly-owned USD stablecoin launched by Open Standard — https://joinopenstandard.com/blog/ousd-is-live https://tempo.xyz/blog/stripe-and-tempo-stablecoin-settlement-for-global-money-movement/”
View source · joinopenstandard.com ↗
Felix Pago
“No specific issuer/custodian (Circle, Bridge, Fireblocks, etc.) is named in the evidence. https://tempo.xyz/customer-stories/felix-pago”
View source · tempo.xyz ↗
Karta
“Karta's 16 Jun 2026 post states: 'Karta's partner stack is Privy for self-...' (self-custody wallet infrastructure) and that Karta's treasury is live on Tempo with Karta Personal launching on Tempo soon.”
The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent Tempo? Claim this profile above to unlock your own full list.
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What Tempo runs on · from its own dossier
The third-party providers Tempo itself discloses, layer by layer — the vendor as a buyer. Distinct from the companies above that disclose Tempo.
PSP
Stripe
KYC
Sumsub
Full dossier with evidence for each layer →
Alternatives to Tempo

Other Crypto / Stablecoin providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.

Zero Hash25 buyers →Circle21 buyers →Bridge17 buyers →BVNK13 buyers →Fireblocks12 buyers →MoonPay10 buyers →Lightspark9 buyers →Paxos8 buyers →
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An embeddable badge for Tempo’s own site — it always shows this page’s current rank, so it stays accurate as new disclosures land. States its own denominator; never claims a number this page doesn’t.

Ranked #5 of 57 in Crypto / Stablecoin — Embedded Finance Index 2026
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Tempo — frequently asked

Which companies use Tempo?

13 companies are linked to Tempo in the Embedded Finance Index 2026, through their own public disclosures or Tempo's published customer list, including DoorDash, Deel, Moneygram, Kast, Stripe, Felix Pago, Karta, ARQ, Howard Hughes Holdings, Coastal Community Bank and 2 others.

What does Tempo do?

Tempo is an embedded-finance provider in FX / Payouts and Crypto / Stablecoin. It ranks #5 of 57 Crypto / Stablecoin providers by linked companies.

What are the alternatives to Tempo?

The most-named Crypto / Stablecoin alternatives to Tempo are Zero Hash (25 buyers), Circle (21 buyers), Bridge (17 buyers), BVNK (13 buyers), Fireblocks (12 buyers) and MoonPay (10 buyers).

Where is Tempo headquartered?

Tempo is founded in 2025.

How much funding has Tempo raised?

Tempo has raised $500M in total.

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