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Global digital payments platform PhotonPay announced on January 9, 2026, the completion of its Series B funding, raising tens of millions of USD.
The round focuses on expanding its stablecoin-native clearing infrastructure, which processes over $30 billion in annualized volume and reduces business transfer costs by 75%.
Key Takeaways
- PhotonPay Series B raises tens of millions USD led by IDG Capital for stablecoin expansion.
- Handles $30B+ annualized volume, cutting costs 75% with stablecoin-native rails.
- API platform serves 200+ countries for multi-currency, real-time settlements.
- Plans: AI AML upgrades, 2026 treasury/credit launches.
- Licensed in HK, US, CA, UK, PL for e-commerce/SaaS compliance.
Investors and Advisors
Led by IDG Capital, the funding includes participation from Hillhouse Investment (via GL Ventures), Enlight Capital, Lightspeed Faction, and Shoplazza.
Blacksheep Technology served as exclusive financial advisor.
Investors cite PhotonPay's AI-driven compliance and stablecoin integration as key strengths for global liquidity management.
Company Overview
Founded in 2015 by fintech, risk, and trade experts, PhotonPay operates from 11 hubs with over 300 staff. It serves 200,000+ enterprises in 200+ countries, targeting e-commerce, B2B payments, OTAs, logistics, AI, SaaS, and digital entertainment.
The API-first platform offers multi-currency accounts, real-time fiat-digital settlements, and automated orchestration.
Licenses and Partnerships
PhotonPay holds licenses in Hong Kong, US, Canada, UK, and Poland for compliant operations. Partners include J.P. Morgan, Circle, Standard Chartered Bank, DBS Bank, and Mastercard, supporting account issuance, acquiring, FX, and instant settlements.
Services and Security
- Core offerings: online payments, global accounts, payouts, multi-currency cards (Mastercard/Discover), FX for 60+ currencies, embedded finance.
- Security features: segregated funds in top banks, encryption, AML/KYC compliance.
Stablecoin tech enables 24/7 settlements, bridging TradFi and blockchain.
For Partnership Inquiries Contact:
partnerships@stablecoininsider.com
Performance Metrics
In 2024, processed $10B+ transactions; current annualized volume exceeds $30B.
Delivers 75% cost cuts on transfers and 60% efficiency gains via programmable funds and AI-enhanced AML/fraud tools.
Strategic Use of Funds
Funds target four areas:
- Enhance infrastructure via partnerships for liquidity/settlements.
- Expand products with treasury (yield on idle funds) and credit services, launching 2026.
- Upgrade AI for risk management and stablecoin depth.
- Acquire US/emerging market licenses, blending global/local compliance.
Leadership Insight
CEO Lewison Chen: "Stablecoins enable seamless global value transfer. This funding accelerates our mission for faster, cheaper payments."
Market Context
PhotonPay's growth aligns with fintech trends, shifting from legacy systems to onchain rails for cross-border efficiency, addressing high fees and delays in tokenized money adoption.
Conclusion
This Series B positions PhotonPay to drive stablecoin fintech, offering scalable solutions amid digital asset shifts.
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FAQs:
1. What is PhotonPay's core technology?
Stablecoin-native infrastructure for real-time, low-cost global payments.
2. How much was raised in Series B?
Tens of millions USD, led by IDG Capital.
3. What are key metrics?
$30B+ annualized volume, 75% cost reduction, 60% efficiency boost.
4. Expansion plans?
Talent hires, regulatory growth, treasury/credit services.
5. Sectors served?
E-commerce, B2B, OTAs, logistics, AI, SaaS, digital entertainment.
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.
