Bridge Alternatives for Stablecoin Payment Infrastructure (2026)

In February 2025, Stripe completed its $1.1B acquisition of Bridge, its largest acquisition to date. Bridge now powers Stripe's stablecoin financial accounts across 100+ countries and its Open Issuance platform for custom stablecoin creation.

For fintechs already on Stripe, the integration is a net positive : stablecoin capabilities become available directly within the Stripe stack. For those that aren't, or that need infrastructure independent of Stripe's commercial priorities, it raises a practical question: is Bridge still the right fit?

This article covers six alternatives to Bridge in the same infrastructure layer, evaluated on coverage, licensing, chain support, and FX pricing.

The 6 best Bridge alternatives in 2026

Bridge's two most common limitations are FX pricing and geographic reach. Bridge charges up to 1% FX on conversions , the highest disclosed spread among the providers in this article. For a fintech processing $5M per month in cross-border flows, that is up to $50,000 in monthly FX costs on conversions alone. Bridge also covers 35 countries, with no local rail access in APAC, Africa, or the Middle East.

Before evaluating specific providers, the factors that determine fit are worth clarifying. Not every alternative solves the same problem, and the right choice depends on your corridors, compliance requirements, and whether stablecoin issuance is a hard requirement.

• FX pricing transparency. Ask for spread structures on both major and exotic pairs before committing. The difference between 1% and 10-25 bps compounds quickly at volume.
• Geographic coverage with local rails. Country counts that include SWIFT reach are not the same as local rail access. Confirm which specific rails a provider operates in your target corridors.
• Chain breadth. Bridge supports 8 chains. Confirm chain support with any alternative if your counterparties operate outside Bridge's network.
• Stablecoin issuance. If custom stablecoin issuance is a hard requirement, Bridge and Iron are the only providers on this list with that capability live. The independent alternatives below do not yet replicate it.

The six providers below cover the full range of use cases  These range from multi-region infrastructure to Africa-focused payroll to EU-regulated settlement.

1. Due

Due is a hybrid stablecoin payment infrastructure provider connecting fintechs, neobanks, PSPs, and payroll platforms to stablecoin rails and traditional banking networks across 85 countries through a single payment API. Founded in 2022 and independently operated with $9.8M raised.

Due operates in the same infrastructure layer as Bridge: stablecoin settlement, virtual accounts, fiat on/off-ramps, and local rail access for B2B platforms. The key difference is geographic reach. Due covers 85 countries with direct local rails, including 16 APAC markets and 17 African countries that Bridge does not serve with local rails at all. FX spreads start at 5 bps on major pairs vs. Bridge's 1% ceiling.

• Best for: Fintechs that need coverage beyond Bridge's 35-country footprint , particularly APAC, Africa, the Middle East, and LATAM, alongside significantly lower FX spreads at volume.‍
• Considerations: Card issuance and card processing not yet live. Stablecoin issuance not available. Earlier stage in processed volume than Bridge ($10B annualized).

2. BVNK

BVNK is an enterprise stablecoin payments platform processing $30B in annualized volume. In March 2026, Mastercard announced a definitive agreement to acquire BVNK for up to $1.8B, pending regulatory approval expected before year-end.

BVNK is the highest-volume provider on this list at $30B annualized, with the strongest licensing stack for EU/UK/US  It holds full MiCA, EMI, and US MTL coverage. For fintechs whose flows are concentrated in Europe and North America and who need enterprise-grade compliance infrastructure, BVNK is the closest like-for-like to Bridge. The pending Mastercard acquisition is worth factoring into any long-term infrastructure decision.

• Best for: Large enterprises and PSPs operating primarily in EU, UK, and US that need high-volume stablecoin settlement with institutional-grade compliance and lower FX spreads than Bridge.‍
• Considerations: Mastercard acquisition pending; roadmap may shift post-close. No APAC, Africa, or Middle East coverage. Virtual accounts in EUR and GBP only.

3. Conduit

Conduit is a stablecoin cross-border payments platform with $53M raised, backed by Circle, Dragonfly, and Altos Ventures. It processes $10B+ in annualized volume and has the deepest Africa coverage of any provider in this category . It covers 23 countries with local rails including mobile money across West and Central Africa.

Conduit's standout differentiator is Africa. Conduit covers 23 countries with direct local rails and mobile money across West and Central Africa, more than any other provider in this category. It also has the most transparent published FX pricing on this list at ~10 bps for USD/USDT conversions. The tradeoff is chain depth: 4 chains is the narrowest footprint here, and there is no MiCA license for EU operations.

• Best for: Fintechs migrating from Bridge that primarily need Africa and Americas corridors, want lower FX spreads (~10 bps vs Bridge's 1%), and need strong USDC alignment through Circle backing
• ‍Considerations: Only 4 chains , the narrowest chain support on this list. No MiCA license; EU coverage via MSB only. No Middle East coverage. Virtual accounts limited to USD, EUR, and GBP.

4. Sphere

Sphere is a stablecoin payment API with $15M raised, backed by Coinbase Ventures and Kraken Ventures. It operates SphereNet, a native cross-chain orchestration network. $3.5B+ in annualized stablecoin volume per Reuters reporting.

Sphere is the most crypto-native option on this list. It is built around SphereNet and backed by Coinbase Ventures and Kraken Ventures. At $3.5B+ in annualized volume it has proven scale in crypto-first payment flows. Its fiat rail coverage is narrower than its marketing suggests: documented rails cover US (ACH and Wire), EU (SEPA), and Brazil (PIX, added April 2026). The "160+ markets" figure on Sphere's website refers to stablecoin on-chain reach, not local fiat rail access.

• Best for: Crypto-native fintechs migrating from Bridge that need multi-chain stablecoin routing and a developer-first API, primarily for US, EU, and Brazil fiat flows.
• Considerations: Fiat rail coverage limited to US, EU, and Brazil. No APAC, Africa, or Middle East local rails. No licensing disclosed. No card issuance or stablecoin issuance.

5. Noah

Noah is a stablecoin-native infrastructure provider founded by ex-Adyen and Visa executives, with $22M seed raised in June 2025. It focuses on virtual accounts, fiat-stablecoin conversion, and payout rails for fintechs building across Africa, LATAM, and APAC. $1B+ in processed volume.

Noah is the most infrastructure-as-a-service oriented option on this list. Founded by ex-Adyen and Visa executives, it is designed to be the backend layer for wallets and remittance platforms rather than a direct-to-fintech API. Hosted KYB/KYC is built in, which removes a significant compliance overhead for early-stage platforms. Coverage spans 70+ countries across Africa, LATAM, and APAC, though Africa reach is partly partnership-dependent via NALA/Rafiki.

• Best for: Fintechs migrating from Bridge that need wallet infrastructure, hosted KYB/KYC, and stablecoin settlement across Africa and LATAM as a backend service, particularly for platforms that want to embed compliance rather than build it.
• Considerations: $1B+ processed volume  This is lower than top-tier providers. Only EUR and USD virtual accounts. Africa coverage partly partnership-dependent via NALA/Rafiki. Lithuania VASP only.

6. MuralPay

MuralPay is a stablecoin payroll and cross-border API with $5.6M seed raised, backed by Galaxy Digital, DCG, and Firstminute Capital. $200M+ in total processed volume with 5,000+ monthly stablecoin payment transactions.

MuralPay is the most focused provider on this list  It is purpose-built for LATAM AP automation and contractor payouts, with Galaxy Digital and DCG backing. If your primary use case is paying contractors or vendors across Latin America, MuralPay has more purpose-built tooling for that workflow than any other provider here. The significant limitation is that several key LATAM rails are payout-only . There are no collections available in Brazil, Mexico, or Colombia.

• Best for: Fintechs migrating from Bridge that primarily use stablecoin infrastructure for contractor payments, vendor AP, and payroll across LATAM , specifically Colombia, Mexico, Brazil, Argentina, Chile, and Peru.‍
• Considerations: No APAC, Africa, or Middle East coverage. Several LATAM fiat rails are payout-only; no collections in Brazil, Mexico, or Colombia. Only USD virtual accounts. No licensing disclosed.

How to choose the right Bridge alternative

The right alternative depends on which corridors your payment flows require and what your FX pricing tolerance is at scale.

• You need to stay in EU/UK/US: BVNK has the deepest enterprise stablecoin infrastructure in these markets with $30B in annualized volume, full MiCA, EMI, and MTL licensing, and significantly lower FX spreads than Bridge. Note the pending Mastercard acquisition.
• You you need lower FX costs: Every provider on this list prices below Bridge's 1% ceiling. Due prices at 5-25 bps on major pairs, Conduit at ~10 bps. At meaningful volumes the difference is significant.
• You need APAC coverage: Due is the only provider on this list with documented local rails across APAC : UPI (India), FAST (Singapore), PromptPay (Thailand), DuitNow (Malaysia), BI-FAST (Indonesia), NAPAS (Vietnam), Raast (Pakistan). Bridge has no local rail access in APAC.
• You need Africa corridors: Conduit leads with 23 African countries and mobile money across West and Central Africa. Due covers 17 African countries with direct rails.
• You need comparable chain depth to Bridge's 8 chains: Sphere supports 7 chains across US, EU, and Brazil fiat corridors. Due supports 14 chains with broader fiat rail coverage. Verify chain support explicitly with any provider if multi-chain routing is a hard requirement.
• You need stablecoin issuance: Bridge and Iron are the only providers in this space with custom stablecoin issuance live. The alternatives on this list do not yet replicate it.
• You are LATAM-focused: MuralPay for contractor AP and payroll across Colombia, Mexico, Brazil, Argentina, Chile, and Peru. Due if you also need coverage outside LATAM from the same integration.
• You need LATAM, Africa, and APAC from one integration: Due is the only independent provider on this list with verified local rail coverage across all three simultaneously.

Want to compare specific providers side by side? Explore the stablecoin payments market map  It covers 147 companies across 12 categories in the stablecoin ecosystem, with a built-in comparison tool.

For a broader look at the full market, see our guide to 12 best stablecoin payment providers compared. For a breakdown of how FX spread structures compound at scale, see our analysis of FX spreads and hidden cross-border payment costs.

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