The future of payments, delivered today.
Chicago, IL
Joined October 2022
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"If you can perform better and faster, then volume naturally flows to you."
Coinflow is proud to announce our $25M Series A round led by @PanteraCapital to power billions in global payment volume.
Read more about what this means for the future of global payments in @FortuneMagazine 👉 fortune.com/crypto/2025/10/0…
Coinflow retweeted
Just wrapped Money20/20. My biggest takeaway as a VC: the two forces reshaping fintech right now are AI agents and stablecoins.
@SirDigitalDan from @CoinflowLabs and I dug into both in our fireside.
Some takeaways:
* Where will value accrue?
AI is collapsing the cost of cognition, and stablecoins the cost of settlement. This changes value accrual, when those inputs aren’t scarce. I’m expecting value to migrate to regulated trust, proprietary data, distribution, underlying physical assets, networks.
* What does stablecoins as programmable money unlock?
Funds and spending rules can execute together, letting a product enforce agent budgets or trigger conditional payouts with less coordination across banks, processors and operational teams.
* Where is agent demand emerging?
Dan pointed to compute, inference and data APIs, which agents need to complete tasks. I’m looking for infra on fraud, KYA, chargebacks, and merchant side ops to help proliferate agentic commerce usage.
* Who carries agent liability?
A purchase can comply with the spending rules and still be a mistake. Before delegating larger budgets, businesses will want audit trails, a way to dispute purchases and an agreement on who absorbs losses.
* Where’s the distribution advantage?
Local integrations and merchant relationships give providers access to existing payment volume. Stablecoins can improve settlement without changing how customers pay. (Coinflow connects cards, ACH and PIX this way.)
* How do existing PSPs participate?
A provider can earn a processing fee when a developer funds an agent by card, even if subsequent payments settle in stablecoins. (Coinflow powers card funding for Tempo’s MPP Credits.)
Thanks for the week @money2020! Curious what others took away too!
Coinflow retweeted
Just wrapped my conversation with Stuti Pandey at @Money2020. I’m still thinking about a few things:
AI is pushing the cost of thinking toward zero. Stablecoins are doing the same to the cost of moving money.
When both happen at once, who captures the value?
Stuti’s answer is regulated trust, data, and distribution. I’d add that it all sits at the edges, where money enters and leaves through cards, ACH, PIX, and local wallets.
Merchants don’t ask us for crypto. They ask for faster money.
Stablecoins do the work in between, just as most people don’t know how ACH works but know when their paycheck hits their account.
Here’s the real thing, though. The next customer on those rails is software.
When the buyer is an agent, the checkout page changes drastically. Agentic payments start with agents paying for what they consume, like inference, compute, and data, per request, in fractions of a cent.
Coinflow is already powering that with Tempo.
People still fund those agents with cards and bank accounts, so the job is connecting both sides. That’s our Network of Networks, applied to agents.
Liability is the open question: who pays when an agent buys the wrong thing. It makes fraud and chargeback indemnity even more important.
We’re built on that foundation and have been doing it for years, but everyone should build the future of agentic commerce.
If you’re in Vegas and working on agentic payments, find me or DM me.
Coinflow is much more than crypto. We’re heading to @money2020 to prove it.
Your customers pay with cards, wallets, and bank transfers. We connect them all. Fast.
Merchants come to us for instant settlement, fraud and chargeback indemnity, global pay-in, multi-currency FX, and unified payouts through one integration.
We connect the networks. We optimize their payment workflows. They scale.
Where to find us in Las Vegas this week:
→ Daniel Lev (@SirDigitalDan), Co-Founder and CEO, sits down with Stuti Pandey of @PanteraCapital for “The New Global Checkout: AI, Stablecoins, and the Collapse of Payment Costs,” Tuesday, Oct. 20 at 4:40 p.m. on the Intersection Stage.
Her Two Zeroes thesis meets his Network of Networks: settlement that bridges cards, ACH, and PIX without merchants or their customers ever touching crypto.
→ Elle Leemay Chen (@elle_leemay), Head of Partnerships & Growth, and Steven Cook (@stevencook_), Head of Strategy, will also be on the ground in Vegas, with Steven taking the stage at @MerkleScience's event on Tuesday.
See you in Vegas! #Money2020 #Payments #Stablecoins
Your customers shouldn’t have to start over. Neither should you.
Coinflow meets you (and your customers) where you are.
Here’s what we built last month:
💳 Smarter card routing: Card payments now route across processors by card type, and one saved card token works across multiple tokenization providers.
🤝 Faster platform onboarding: ISVs can send sub-merchant details through the API, so sub-merchants confirm pre-filled forms instead of entering everything twice.
🌍 More ways to get paid: New pay-in rails and Kenya checkout support widen who you can serve.
📊 Clearer visibility: Settings change history, refund fee previews, and clearer name-match declines, all in the dashboard.
Full breakdown 👇
coinflow.cash/blog/new-at-co…
ALT New at Coinflow: October 2026
Coinflow retweeted
✨ What a night. Highnote and @coinflowlabs hosted an intimate dinner at Crustacean SF with fintech leaders: honest talk on what’s working in payments, what isn’t, and what’s next.
Thanks to all who joined! Next stop: @Money2020. See you in Vegas! 🚀
highnote.com
#5 on @LinkedIn's Top Startups in Chicago 2026 ✶✶✶✶
Built by a team that grew 4x this year, and powered by customers who trusted us early.
Thank you to our team, our customers, our partners, and the city we call home. We're just getting started.
Full list → lnkd.in/g4zs2f_u
Coinflow retweeted
I’ll be on the Money20/20 stage in Las Vegas next week with Stuti Pandey from @PanteraCapital.
📍 October 20th, 4:40 PM @ The Intersection Stage
We’re talking about two things getting cheap at the same time: cognition, thanks to AI, and settling money, thanks to stablecoins.
When both get close to free, where does the value in payments end up?
Stuti’s view is that it moves away from the rails and toward regulated trust, data, and distribution.
I’ll bring the view from inside @CoinflowLabs, a company running this in production right now.
A merchant accepts payment via card, Venmo, ACH, PIX, you name it. Under the hood, we settle in #stablecoins.
The merchant never sees it. Neither does their customer. Both get the outcome they desire faster and more securely than ever.
Let’s keep the conversation going after. If you’ll be at #Money2020USA, DM me, and we can find time.
This week, we're playing two tables at once. 🃏
Coinflow is at @G2Eshows in Las Vegas (booth 3326, The Venetian, Sept 28–Oct 1) & #SBCSummit in Lisbon (Feira Internacional de Lisboa, Sept 29–Oct 1) this week.
Two shows. Two continents.
One global team showcasing the fastest, most immersive payments in gaming.
Kick off your week in Vegas on Monday night with us for Settle Up, our G2E kickoff happy hour from 6 to 8 PM.
🎰 RSVP → luma.com/gbm1jjwv
Innovation is built. Growth comes from who you build it with.
Coinflow 4x'd our team in the past year, with 50+ of us at our River North HQ. Some even packed up and moved to this great city to join our team. Chicago is home.
We're honored to be named a Top 100 Finalist for the 25th annual Chicago Innovation Awards, alongside innovators like Abbott, Letter AI, United Airlines, and many more building across the region.
The People's Choice Award is up to you, #Chicago. Vote for Coinflow: chicagoinnovation.com/nomina…
Coinflow retweeted
Most people think payment service providers just process transactions.
But those built with the network at the core unlock more for merchants and for the network itself. Let me explain.
Every rail we connect — cards, ACH, PIX, SEPA, RTP, wallets — makes the @CoinflowLabs Network of Networks more valuable to every merchant on it.
More global merchants = worth connecting the next network
More rails = more ways to get paid
Every transaction sharpens fraud models for everyone, not just one merchant. Approval rates climb as the network grows.
One day, you look up, and your payments processor has become your growth network. 📈
Coinflow retweeted
Building with velocity and quality is part of the core DNA at Coinflow. Big month here at @CoinflowLabs !
Here's what we built:
💳 Payment rails upgraded: PayPal and Venmo Pay-ins are live, vaulted payments enable faster repeat purchases, and Apple Pay now supports wallet payouts and saved cards. All backed by chargeback protection across most major rails.
🌍 New markets, new channels: Merchants can now accept payments via WooCommerce, receive Canadian EFT payouts, send crypto withdrawals, and onboard sub-merchants programmatically.
Full breakdown👇
coinflow.cash/blog/new-at-co…
Most PSPs treat certain payment methods (and certain merchants) as an afterthought.
Coinflow meets you (and your customers) where you are.
Last month’s product releases proved that.
Here's what we built:
💳 Payment rails upgraded: PayPal and Venmo Pay-ins are live, vaulted payments enable faster repeat purchases, and Apple Pay now supports wallet payouts and saved cards. All backed by chargeback protection across most major rails.
🌍 New markets, new channels: Merchants can now accept payments via WooCommerce, receive Canadian EFT payouts, send crypto withdrawals, and onboard sub-merchants programmatically.
Full breakdown👇
coinflow.cash/blog/new-at-co…
Coinflow retweeted
And that’s a wrap on Stablecon 2026! Quick thoughts.
Interestingly not a big presence from the actual stablecoin issuers - don’t recall folks from Circle, Paxos, Tether etc. having booths or many people on the ground…
Conference was actually the perfect size. Not many VCs but a lot of Series A-D startups.
Still most stablecoin volume is from trading rather than payments.
The recurring Coinflow question from VCs and founders was “wait you have actual volume (we power tens of $ Billions in annualized payment volume on stablecoin rails - real commerce volume) how did you do that?” The answer is we met users where they are and not force them onboard onto crypto rails. The thesis was to bridge traditional financial rails that ppl already utilize, but leverage stables on the backend. For the vast majority of our users we obfuscate the stablecoin side. So they come with their traditional payment methods and bank accounts, but benefit from Stablecoin tech with instant settlement and programmability etc.
The biggest topic at Stablecon was compliance and regulatory. We were in DC. Big presence from @SocureID, @withpersona, @sumsub etc. Portable identity was one of the hottest topics. Incredible in theory but practically still very early.
Lastly, the TLDR on my panel: What connecting to traditional rails means for @CoinflowLabs is that we are compliance-first and adhere to the regulatory frameworks of the card networks and banks. We partner with teams like @withpersona to help us with portable identity, so that KYC and KYB can be as close to as interoperable, global and instant as stablecoins. Lots of good progress on that front. Finally thank you to my fellow @thestablecon panelists @bettermoney_co @withpersona - had a blast!
We power instant immersive payments behind your favorite gaming platforms, sportsbooks, and marketplaces worldwide.
At @G2Eshows, it's our turn to settle up. 🤝
𝗝𝗼𝗶𝗻 𝘂𝘀 𝗳𝗼𝗿 𝗦𝗲𝘁𝘁𝗹𝗲 𝗨𝗽 | 𝗚𝟮𝗘 𝗞𝗶𝗰𝗸𝗼𝗳𝗳 𝗛𝗮𝗽𝗽𝘆 𝗛𝗼𝘂𝗿 𝗛𝗼𝘀𝘁𝗲𝗱 𝗯𝘆 𝗖𝗼𝗶𝗻𝗳𝗹𝗼𝘄
Monday, September 28 from 6 to 8 PM PT at The Venetian, Las Vegas
A hosted bar, good bites, and a private room to talk shop with the people building the future of gaming payments before the show floor opens.
Space is limited. Lock in → luma.com/gbm1jjwv
Coinflow retweeted
Most processors work great for ticketing platforms for ~250 days a year.
Then an on-sale hits. Volume spikes 20x in an afternoon. The processor built for steady flow treats your biggest day as fraud.
Rolling reserves. Chargeback liability by default. Payouts bolted onto a stack never built to run both ways.
We built @CoinflowLabs for the shape ticketing actually takes:
✦ Multi-acquirer orchestration for demand surges
✦ Instant settlement, 24/7/365
✦ Chargebacks indemnified, not absorbed
✦ Pay-ins, splits, payouts in one API
If your processor was built for collecting money, and your business moves it both ways.
That's the mismatch worth fixing.
Coinflow retweeted
Somewhere right now, there's a manual compliance task that could be streamlined.
Two systems that don't talk to each other. Chasing the same banking partner for the same document... again.
Small stuff. But it adds up to real drag on a team moving billions a year.
@CoinflowLabs is hiring a Senior Product Manager to fix that. Start to finish, from scratch.
Big opportunity if you're up for it.
Let's build! 🔗 u.coinflow.sh/hDBvQ8
Ticketing has quietly become one of the most complex corners of payments.
Real-time settlement, marketplace resale, and chargeback patterns in the ticketing industry don't behave like typical commerce. Modern payments infrastructure is crucial for any ticket company to grow.
Coinflow's Anurag Vuthunuri and Steven Cook are hosting Interchange, a private dinner in New York City that brings together a small group of leaders from across the #ticketing industry to compare notes on what's working and what's next in product strategy.
Spots are very limited. Get your seat at the table: luma.com/osf9tjv7
Tag your favorite ticketing leader in the comments to put this on their radar. #NYC 🤝
Coinflow retweeted
Companies like @raincards and @CoinflowLabs have been solving the same problem from different angles for a while now.
Different entry points leading to the same finish line: money that moves instantly and securely, without the friction this industry has endured for decades.
On September 14th, we’re bringing the teams together during MoneyLIVE North America to discuss where this is all going over cocktails and food at the iconic @GibsonsSteak.
If you're in #Chicago for #MoneyLIVE (or you just live here and want in on the conversation) request an invite below. Spots are limited.
🍽️ luma.com/rainandcoinflow
Coinflow retweeted
Stablecoins 101. (part 3)
When we first started @CoinflowLabs, we needed to wire money to our European entity.
Simple task. We had it sitting at JPMorgan. (the biggest bank in the world)
We tried to send the wire through the portal. Didn’t work.
The bank held the payment and asked for more information.
Fair enough, that's their job. But the resolution was: come in person.
So my co-founder and I walked to the nearest branch and sat there for an hour and a half, manually processing a wire on a day we didn't have an hour and a half to spare.
That's the problem #stablecoins actually solve.
Today, our merchants move tens of billions of dollars a year straight from their own wallets. No phone calls. No branch visits. No sitting and waiting to move money that's already theirs.
Instant. Cheaper. More secure. Just better infrastructure in almost every way that matters.