Stablecoin payments startup Coinflow raised $25 million in Series A funding led by Pantera Capital, with Reciprocal Ventures, Coinbase Ventures, and Jump Capital participating, to scale instant‑settlement, chargeback‑indemnified merchant rails.

Coinflow’s developer-first API suite integrates on/off-ramps, local pay-ins, FX, and real-time payouts, positioning it as a direct rival to legacy processors like Stripe. By leveraging stablecoin-denominated acquiring, Coinflow aims to slash acceptance costs, curb fraud, and unlock cross-border revenue in high-dispute sectors like gaming and online marketplaces. Investors see this as a bet on stablecoins’ potential to streamline global commerce with lower fees and faster settlements than traditional card networks.

The timing coincides with Stripe’s own push into stablecoins, including recent announcements around stablecoin payments and issuance tooling, which raises the bar on product breadth and compliance readiness.
Expect faster consolidation around providers that can pair instant settlement with bank‑grade risk, licensing, and chargeback coverage, as merchants test stablecoins alongside card rails.

Providers like Coinflow, blending instant settlement with robust risk controls, are well-positioned to lead stablecoin payments space. For developers and merchants, this signals a pivotal moment to explore stablecoin infrastructure that promises cost efficiency and global reach without sacrificing trust.