Who We Are

Payonite is a global Ramp Aggregator built for businesses that need seamless crypto ↔ fiat transactions. The challenge today is fragmentation: hundreds of ramps, EMIs, PSPs, liquidity pools, regional restrictions, risk rules, and inconsistent approval rates.
Integrating them one by one is expensive, slow, and unpredictable.

Payonite solves this by connecting to the entire global ecosystem of ramp providers, EMI banking partners, liquidity sources, and risk engines - and then intelligently routing each transaction to the one that fits best pricing, geo-coverage, asset availability, regulatory conditions, and risk tolerance.

Our architecture is fully non-custodial, eliminating custodial risk while complying with global AML/KYC standards.
Businesses gain wider coverage, lower fees, predictable settlement, and up to 40% higher conversion rates without adding overhead.

Whether you're a fintech, exchange, wallet, dApp, iGaming operator, or payment company - Payonite becomes your single access point for global crypto ↔ fiat infrastructure.

Our Mission

Our mission is to make global crypto ↔ fiat movement instant, compliant, and accessible, so businesses can operate without fragmentation, complexity, or hidden risks.

Our Vision

A world where converting between crypto and traditional money is as simple and universal as sending an email. Where businesses can focus on what they do - and remove obstacles, risk, and overhead of Crypto <-> Fiat conversions.