Depay押注QR支付可跨境；首年处理4亿美元

做的是什么生意

Cross-border payment infrastructure: Depay connects national QR and real-time payment systems so banks and wallets can accept payments in other countries through one integration, handling interoperability, FX conversion and settlement itself.

启动资金：Backed early by Techstars, Krealo VC, Seedstars, Stellar and DCG; a $4M seed in April 2026 was led by North Island Ventures with DCG, CMT Digital, Verda Ventures, Onigiri Capital and Hash3.

起因

Joaquín Fagalde led a crypto-payments project at AB InBev before hitting the structural gap: no infrastructure let digital wallets work across Latin American borders. In 2023 he left corporate life and founded Depay in Buenos Aires with Marcelo Sánchez and Federico Testoni to connect the region's payment systems; the first hurdle was convincing banks and wallets, not writing software.

经过

Depay went live across Argentina, Brazil, Colombia and Peru. In June 2025 Brubank, Argentina's largest digital bank, began letting users pay in Brazil through Pix on Depay's rails — the first Argentine bank to do so — with automatic real-time peso-to-real conversion. The architecture mixes local payment rails with a blockchain layer that settles cross-border flows in stablecoins, mostly USDT. In April 2026 Depay raised a $4M seed led by North Island Ventures to extend the network across Latin America, connect Asian instant-payment systems and enter Africa and Europe.

结果

Still early but moving: Depay says it processed more than $400M in instant payments in under a year and built a network reaching more than 300M users, with clients including Binance, belo, Airtm, Brubank and Takenos. It operates in five of the 80-plus countries that have real-time systems and aims to replace card networks and SWIFT for cross-border flows.

可借鉴之处

当每个国家都建立自己的快速支付孤岛时，价值在于互联层；护城河是监管和商业信任，而非代码。