Payments · Banking · Crypto
Boldrails: the money stack for emerging-market businesses
- 20+ countries
- 10+ payment methods
- Fiat or crypto settlement
About Boldrails
What is Boldrails?
Boldrails is a payment gateway, banking and crypto-OTC provider. Businesses accept cards, mobile money, bank transfers and crypto through our payment API, then run mass payouts and settle in fiat or crypto from one platform. We serve high-risk and high-volume merchants across Africa, LATAM, Southeast Asia, MENA and Australia, with 3–7-day onboarding.
Most businesses piece together a gateway, a bank and a crypto desk from separate vendors. Boldrails runs all three: the payment gateway, multi-currency banking and IBAN accounts, and a crypto OTC desk. You work with us directly — we provide the payment API, acquire the transactions and settle your funds in fiat or crypto.
Payments are live today; banking and crypto OTC join the same stack [roadmap status, Phase 3, confirm]. The result is one contract, one integration and one provider for the money movement behind your business, not a chain of middlemen.
How it works
How does Boldrails work? One platform for pay-ins, payouts and settlement
You integrate our payment API once to start collecting, then run payouts and settle from the same platform. Boldrails handles cross-border payments and multi-currency flows without a separate connection for each market.
- 1
Collect
Take pay-ins through local methods: cards, mobile money, bank transfers and QR. Customers pay the way they already pay.
- 2
Pay out
Run mass payouts and single disbursements to bank accounts, wallets and mobile money across your markets.
- 3
Settle in fiat or crypto
Receive funds as fiat or as crypto, including USDT settlement. Most providers settle in fiat only. We give you both, on one account.
Multi-currency support and FX are built in, so you price and reconcile in the currencies you actually use.
Coverage
Where can businesses accept payments with Boldrails?
We support businesses across five regions: Africa, LATAM, Southeast Asia, MENA and Australia. Each region runs on local rails plus Visa and Mastercard, and every region settles in fiat or crypto.
| Region | Cards | Bank transfer / instant | Settlement | Mobile money / e-wallets | Wallets / local |
|---|---|---|---|---|---|
| Africa | Visa, Mastercard | bank transfer, USSD | fiat or crypto | M-Pesa, MTN MoMo, Airtel Money, Orange Money, Wave, Moov Money | n/a |
| LATAM | Visa, Mastercard | PIX, SPEI, PSE | fiat or crypto | n/a | local wallets |
| Southeast Asia | Visa, Mastercard | bank transfer | fiat or crypto | GCash, Maya, MoMo (VN) | QRIS, GoPay, DANA |
| MENA | Visa, Mastercard | bank transfer | fiat or crypto | n/a | MENA e-wallets |
| Australia | Visa, Mastercard | PayID, PayTo | fiat or crypto | n/a | n/a |
Australia runs on PayID and PayTo, which most emerging-market providers skip. For the full country and method list, see the Acceptance Index.
Who it's for
Who is Boldrails for?
Boldrails is built for high-risk and high-volume businesses, and for the developers who integrate us. We serve merchants other providers turn away, with risk and fraud controls designed for these verticals.
- Forex and CFD brokers that need fast pay-ins and reliable payouts.
- Crypto businesses that want fiat and crypto settlement on one account.
- E-commerce and platforms processing high volume across several markets.
- iGaming operators where they are regulated.
- Developers who ship on one payment API instead of stitching together several gateways.
What we can accept depends on your market and vertical. We confirm it during onboarding.
Get approved
One provider, fiat or crypto settlement, and acceptance for high-risk and high-volume businesses across five regions. Onboarding takes 3-7 days. Tell us about your business and we'll confirm what we can do for your market.
FAQ
Frequently asked questions
Last updated: 2 June 2026