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Orbital did not build a consumer wallet or a crypto exchange. It built an institutional-grade stablecoin and multi-currency payment platform for businesses that need to move money across 80 plus currencies and major stablecoins simultaneously. Everything runs through a single API, web platform, or OTC desk without assembling separate vendors for pay-ins, payouts, exchange, and settlement.
Orbital is the regulated stablecoin and crypto payment platform operating as the trading name of the Pay Perform group of regulated entities. The company has eight years in the payments business, $12 billion in annualised processing volume, and 1 million plus transactions processed annually. Its regulatory licenses span four jurisdictions: FCA payment institution authorisation in the UK, e-money and DLT permissions in Gibraltar, VASP authorisation in Estonia, and VQF SRO membership in Switzerland.
The company announced its US expansion in Miami in June 2026 to serve growing institutional demand for stablecoin and multi-currency cross-border payment infrastructure.
As covered in our 8 Zero Hash competitors guide, Orbital is the most compliance-certified European stablecoin payment platform entering the US market in 2026, with SOC 2 Type 2, ISO 27001:2022, CSA TCP, and Cyber Essentials Plus certification making it the most institutionally credentialed European stablecoin payment startup for enterprise procurement requirements.
The pitch is precise: a single regulated global payment platform that unifies stablecoin speed with traditional and exotic currency rails for businesses that need borderless 24/7 payments without assembling multiple separately licensed vendors.
Key Takeaways
- Orbital processes $12 billion in annualised volume across 80 plus currencies and major stablecoins through a single platform with FCA payment institution authorisation, Gibraltar DLT permissions, Estonian VASP authorisation, and Swiss VQF SRO membership.
- SOC 2 Type 2, ISO 27001:2022, CSA TCP, and Cyber Essentials Plus certification make Orbital the most comprehensively compliance-certified stablecoin payment platform for enterprise procurement requirements in Europe and the most credentialed non-US platform entering the US institutional market post-GENIUS Act.
- FXC Intelligence named Orbital an execution leader in its stablecoin payments infrastructure buyer's guide benchmarking over 20 providers, the most commercially significant third-party validation in the stablecoin payment infrastructure category.
What Is Orbital?
Orbital positions itself as the platform that bridges traditional finance and stablecoin infrastructure for businesses that need the efficiency of stablecoin settlement without abandoning the fiat currency coverage that their corporate clients, suppliers, and employees require.
That positioning is commercially accurate and reflects eight years of payment infrastructure development rather than a crypto-native company retrofitting compliance onto a blockchain product.
The founding commercial insight is that enterprise businesses doing cross-border payments face two structural problems simultaneously: traditional rails are slow and expensive across exotic currency corridors, and crypto-native stablecoin platforms often lack the fiat currency coverage, regulatory licensing, and operational infrastructure that enterprise procurement requires.
Orbital's hybrid model addresses both problems through a single platform rather than requiring enterprises to operate separate stablecoin and traditional payment stacks in parallel.
As covered in our stablecoin payment rails guide, the payment rail selection for enterprise cross-border payments is the primary operational decision that determines both the settlement speed and the compliance overhead for any given currency corridor, and Orbital's unified orchestration across stablecoin and traditional rails is the commercial differentiator that separates it from pure-play stablecoin orchestration platforms with narrower fiat currency coverage.
Products and How They Work
Pay-Ins
Orbital's pay-in infrastructure allows businesses to receive funds in exotic currencies, traditional currencies, or major stablecoins from counterparties globally through embedded payment pages, eInvoicing, and granular transaction screening.
Received funds can be held in stablecoin wallets or virtual IBANs, with auto-exchange to stablecoins available for businesses that want to convert fiat receipts to stablecoin settlement automatically without a separate conversion step.
The exotic currency pay-in capability is the most commercially distinctive element of the pay-in product. Most stablecoin payment platforms cover major fiat currencies alongside stablecoins, but leave businesses with separate legacy banking relationships for the 80 plus exotic currencies that emerging market payment flows require.
As covered in our best stablecoin alternatives to Wise guide, the fiat on and off-ramp depth in specific currency corridors is the primary operational moat for enterprise stablecoin payment platforms, and Orbital's 80 plus currency coverage is the deepest exotic currency footprint of any stablecoin payment platform in its category.
Payouts
Orbital's payout infrastructure enables fast global disbursements in preferred currencies including stablecoins, supporting funding of custodial wallets or vIBANs, auto-exchange, and initiation via web platform, API, or file upload.
Stablecoin payouts leverage near-instant 24/7 settlement that traditional correspondent banking cannot match in cost or speed for international disbursements.
The 24/7/365 availability is the commercial advantage that matters most for enterprise payouts. A business making payroll disbursements to employees in 30 countries cannot rely on banking hours or correspondent banking cut-off times for time-sensitive payments.
As covered in our stablecoin payroll guide, the operational mechanics of stablecoin payroll require 24/7 settlement capability as a baseline infrastructure requirement, and Orbital's payout infrastructure provides that capability across major stablecoins and 80 plus fiat currencies simultaneously.
1st Name vIBANs
Orbital's 1st Name virtual IBAN product provides multi-currency virtual account infrastructure for efficient global receiving and sending, allowing businesses to store exchanged funds, execute intra-company or third-party transfers, and convert between supported traditional currencies from a single virtual account structure.
The vIBAN infrastructure is the bridge between Orbital's stablecoin payment capabilities and the traditional banking infrastructure that corporate counterparties require.
For enterprise businesses whose suppliers and employees cannot or will not accept stablecoin payments directly, vIBANs provide a fiat-native receiving and sending layer that connects to Orbital's stablecoin settlement backend without requiring the counterparty to interact with any crypto-native infrastructure.
As covered in our top stablecoin orchestration platforms guide, the stablecoin orchestration platforms that capture the most enterprise mandates in 2026 are those that provide fiat currency coverage alongside stablecoin settlement rather than requiring enterprises to operate separate stacks for different payment types.
Exchange
Orbital's exchange product provides real-time foreign exchange across traditional currencies, 80 plus exotic currencies, and major stablecoins, including auto-exchange between stablecoins and fiat, volatility-free rates for stablecoin-to-stablecoin conversions, and an OTC desk for tailored requests that exceed the standard web and API exchange tiers.
The OTC desk is the most commercially differentiated element of the exchange product for institutional enterprise clients. High-value treasury conversions between stablecoins and major currencies at institutional size require the kind of tailored rate negotiation and liquidity sourcing that automated exchange products cannot provide.
As covered in our June 2026 stablecoin report, the institutional OTC stablecoin market grew significantly through Q2 2026 alongside the overall stablecoin market cap crossing $322 billion, and Orbital's OTC desk positions it to serve the institutional end of that market alongside its enterprise payment client base.
Stablecoin Wallets
Orbital provides secure holding of major stablecoins with hot or cold storage options using enterprise-grade security standards, giving businesses the custodial wallet infrastructure needed to hold stablecoin balances between payment flows rather than requiring immediate conversion to fiat after every settlement.
For businesses managing stablecoin treasury positions rather than purely transacting through the platform, the ability to hold major stablecoins in enterprise-grade custody without a separate custodian relationship simplifies the operational stack and reduces the counterparty relationships required to run a stablecoin-native treasury.
As covered in our stablecoin risks guide, the key enterprise stablecoin risk categories include smart contract, counterparty, and regulatory risk, and Orbital's multi-jurisdictional licensed custody reduces the regulatory risk dimension that unregulated custodial alternatives carry.
Clients, Partnerships, and Case Studies
Eightcap: Orbital's longest-standing client relationship, spanning five plus years, covering stablecoin-powered trader deposits and settlements for the online trading platform.
The Eightcap partnership demonstrates Orbital's capability for high-frequency stablecoin payment flows in the trading platform segment where settlement speed directly affects user experience and competitive positioning.
Stable (L1 blockchain): Integration for stablecoin payments adding cost-efficient chain routing and expanding Orbital's multi-chain capabilities. The Stable integration reflects Orbital's approach of extending its routing infrastructure across new chains as enterprise clients require access to specific blockchain environments for their payment flows.
FXC Intelligence's designation of Orbital as an execution leader in its stablecoin payments infrastructure buyer's guide benchmarking over 20 providers is the most commercially significant third-party validation in the category.
As covered in our top stablecoin payment startups guide, third-party validation from specialist financial infrastructure analysts creates faster enterprise procurement cycles than self-reported metrics because it provides the independent credibility that enterprise compliance teams require before committing to a new infrastructure provider.
Compliance, Security, and Regulatory Positioning
Orbital's multi-jurisdictional regulatory architecture is the commercial foundation that makes its institutional enterprise client base possible.
The FCA payment institution authorisation in the UK is the most commercially significant license for European enterprise clients evaluating stablecoin payment providers, as FCA authorisation carries the highest regulatory credibility of any payment institution license in the UK market.
The Gibraltar e-money and distributed ledger technology permissions provide the stablecoin-specific regulatory framework that the UK FCA regime does not yet fully cover. The Estonian VASP authorisation and Swiss VQF SRO membership complete a four-jurisdiction regulatory architecture that gives Orbital regulatory legitimacy across multiple European financial centers simultaneously.
The compliance certification stack of SOC 2 Type 2, ISO 27001:2022, CSA TCP, and Cyber Essentials Plus is the most comprehensive enterprise security certification combination of any stablecoin payment platform.
SOC 2 Type 2 demonstrates that Orbital's operational controls have been independently audited over a sustained period rather than passing a point-in-time assessment. ISO 27001:2022 demonstrates information security management system compliance to the international standard.
As covered in our best Bridge alternatives guide, the compliance credential combination that most effectively accelerates enterprise procurement cycles in 2026 is SOC 2 Type 2 plus ISO 27001, and Orbital is one of very few stablecoin payment platforms that holds both alongside multiple regulatory licenses simultaneously.
The platform includes proactive monitoring, anti-fraud, KYC, and AML protocols with robust user controls and granular transaction screening at the pay-in level. Orbital's risk disclosures confirm that services are available to eligible corporate customers subject to jurisdictional limitations, with no government or regulatory protection schemes applying to crypto asset holdings.
As covered in our MiCA July 1 enforcement analysis, the post-MiCA-enforcement EU enterprise procurement environment places compliance credential depth as the primary vendor selection criterion for stablecoin payment infrastructure, and Orbital's multi-license, multi-certification architecture directly addresses that procurement reality.
The US Expansion and What It Signals
Orbital's June 2026 Miami expansion announcement is the most commercially significant strategic decision in the company's history.
As covered in our Orbital US expansion analysis, the Miami location targets the concentration of Latin American institutional capital and US-LatAm corridor payment flows that makes Miami the most commercially rational US entry point for a European stablecoin payment platform with strong exotic currency coverage.
The 12 to 18 month US establishment timeline reflects a realistic assessment of the compliance infrastructure required to serve US institutional clients.
US money transmission licensing across the 50 plus state footprint that Zero Hash holds took years to build, and Orbital's US expansion will require a comparable licensing investment before it can serve US-regulated institutional clients at the same depth it serves European clients today.
The GENIUS Act's post-July 18 framework creates a commercial opportunity window for Orbital's US expansion that did not exist before 2026.
Every US enterprise evaluating stablecoin payment infrastructure after the GENIUS Act's July 18 final rules deadline is doing so within a regulatory framework that makes compliance credential depth the primary procurement criterion, and Orbital's European compliance architecture provides a credible credential reference that new US market entrants cannot present.
As covered in our top Fortune 500 stablecoin initiatives guide, Fortune 500 enterprise clients are placing compliance credential depth as the primary procurement criterion for stablecoin payment infrastructure providers post-GENIUS Act, and Orbital's SOC 2 Type 2 plus ISO 27001 plus multi-jurisdiction license stack directly addresses that procurement reality.
Where Orbital Still Faces Challenges
Smaller funding base than US competitors. Orbital has raised approximately $6.44 million in total funding, significantly less than Zero Hash's $275 million or Crossmint's $23.6 million. The funding gap creates a product investment limitation that better-capitalized competitors can overcome through engineering headcount, market expansion, and sales infrastructure investment that Orbital's current capital position makes harder to sustain simultaneously.
US licensing is still in progress. Zero Hash's 50 plus US state money transmitter license footprint and Crossmint's 160 plus country coverage give those platforms an immediate geographic compliance advantage over Orbital in US-regulated markets where Orbital's US money transmission licensing is still in the 12 to 18 month buildout phase. An enterprise US fintech that needs stablecoin payment infrastructure operational within three months cannot wait for Orbital's US licensing timeline.
Limited brand recognition in the US market. Eight years of European institutional payment operations have built Orbital's reputation with European enterprise clients and trading platforms, but that recognition does not transfer automatically to the US institutional market where Zero Hash, Crossmint, Bridge, and Mural Pay have invested heavily in US market brand development and developer community building.
Exotic currency coverage is an advantage that requires ongoing maintenance. Supporting 80 plus exotic currencies requires active banking relationship management across dozens of markets simultaneously. The operational overhead of maintaining liquidity and settlement capability across that currency footprint creates ongoing costs and operational risks that platforms with narrower currency coverage do not face.
Final Verdict
Orbital is the most compliance-certified European stablecoin payment platform in 2026, processing $12 billion in annualised volume across 80 plus currencies with a hybrid stablecoin, traditional, and exotic currency model that no competing pure-play stablecoin orchestration platform has matched.
Its compliance stack covers FCA payment institution authorisation, SOC 2 Type 2, ISO 27001:2022, CSA TCP, and Cyber Essentials Plus. FXC Intelligence named it an execution leader in its stablecoin payments infrastructure buyer's guide benchmarking over 20 providers.
Eight years of institutional payment operations have built the compliance architecture, banking relationships, and production-scale validation that new market entrants cannot replicate quickly regardless of capital position.
The honest caveats are the $6.44 million funding base that is modest relative to US competitors, the 12 to 18 month US licensing timeline that creates a geographic gap for US-regulated enterprise clients, the limited US brand recognition relative to Zero Hash and Crossmint, and the ongoing operational overhead of maintaining 80 plus exotic currency coverage.
But for European enterprises, PSPs, trading platforms, and remittance businesses that need the most compliance-certified stablecoin payment infrastructure available from a single regulated European provider with 80 plus currency coverage and eight years of production-scale validation, Orbital is the strongest available option in its category.
Read Next
- 8 Zero Hash Competitors Every Fintech Should Know in 2026
- Best Bridge Alternatives for Stablecoin Payments in 2026
- Top Stablecoin Orchestration Platforms in June 2026
FAQ:
1. What is Orbital and what does it offer?
Orbital is a regulated stablecoin and multi-currency payment platform with eight years of operations, $12 billion in annualised volume, FCA payment institution authorisation, and 80 plus currency coverage, providing pay-ins, payouts, exchange, vIBANs, and stablecoin wallets through a single web platform, API, or OTC desk.
2. What is the difference between Orbital and Zero Hash as stablecoin payment platforms?
The difference between Orbital and Zero Hash is that Orbital is a European stablecoin payment platform with FCA authorisation, SOC 2 Type 2, ISO 27001:2022 credentials, and 80 plus exotic currency coverage targeting enterprise B2B clients and PSPs, while Zero Hash is a US-regulated white-label B2B2C platform with 50 plus US state money transmitter licenses and Wall Street brokerage clients including Interactive Brokers and Morgan Stanley covering trading, payments, and tokenization.
3. What is the difference between Orbital and Crossmint as stablecoin payment platforms?
The difference between Orbital and Crossmint is that Orbital is a compliance-first European payment orchestration platform with FCA authorisation, $12 billion in annualised volume, and 80 plus fiat currency coverage targeting enterprise B2B payment providers and PSPs, while Crossmint is a full-stack multi-chain wallet infrastructure platform across 50 plus blockchains and 160 plus countries with MiCA and PSD2 authorization targeting enterprise wallet and Africa corridor use cases.
4. What is the difference between Orbital and Mural Pay as enterprise stablecoin payment platforms?
The difference between Orbital and Mural Pay is that Orbital processes $12 billion in annualised volume across 80 plus currencies with SOC 2 Type 2 and ISO 27001 credentials targeting PSPs and B2B payment providers requiring institutional compliance, while Mural Pay targets finance teams replacing SWIFT for vendor and contractor payments across 70 plus countries with a no-code interface requiring zero developer resources.
5. What regulatory licenses does Orbital hold?
Orbital holds FCA payment institution authorisation in the UK, e-money and distributed ledger technology permissions in Gibraltar, VASP authorisation in Estonia, VQF SRO membership in Switzerland, and security certifications covering SOC 2 Type 2, ISO 27001:2022, CSA TCP, and Cyber Essentials Plus.
6. Is Orbital available in the US market?
Orbital announced its US expansion in Miami in June 2026 to serve institutional stablecoin and multi-currency cross-border payment demand, with the company expecting to establish key foundations over the next 12 to 18 months, meaning full US-regulated service is still in the licensing and establishment phase rather than immediately available to US-regulated institutional clients.
Disclaimer:
This content is provided for informational and educational purposes only and does not constitute financial, investment, legal, or tax advice; no material herein should be interpreted as a recommendation, endorsement, or solicitation to buy or sell any financial instrument, and readers should conduct their own independent research or consult a qualified professional.
