Tomorrow, @trev and @realupneet will host another X Space on Tuesday, August 18th at 5:00 PM ET.
Flexa
Digital asset payment gateway with 99+ assets and 0% conversion or custody fees on payouts
4.1/ 5
Our score
Very good
Settlement
CryptoStablecoinsFiatAuto-conversion
Coins supported
99
Settle in stablecoins
Yes
Self-hosted option
No
Business verification (KYB)
Yes
What is Flexa?
Flexa is a digital asset payment network for online checkout, mobile apps and physical points of sale. Its payment stack supports 99+ digital assets, authorizes transactions in less than a second, and lets merchants receive payouts in their chosen currency or digital currency.
Company and leadership
Flexa was founded in 2018 and is headquartered in New York City. Co-founder Trevor Filter is chief executive officer after taking the role in June 2026. Co-founder Daniel McCabe is the former CEO, general counsel, chief compliance officer and COO. Tyler Spalding and Zachary Kilgore are also co-founders. Pantera Capital led Flexa's $14.1 million seed round in April 2019, with participation from 1kx, Nima Capital and Access Ventures.
How the gateway works
Flexa uses collateralization through the AMP token to authorize payments before the underlying transaction settles. Its stack supports self-custody wallet payments and offers low-code and no-code integrations for merchant systems. Flexa Components provides mobile SDKs for iOS, Android and React Native, while Payment Links, QR codes and Mini App Payments support online and in-person checkout. Flexa Terminal is a point-of-sale product for crypto and stablecoin acceptance.
The company says its infrastructure guarantees authorization in 500 milliseconds or less on every network. Flexa's website lists Ethereum as the supported chain for its AMP collateral system. The payment network supports 99+ digital assets.
Fees and availability
Flexa lists conversion and custody fees on payouts at 0%. It also lists chargeback fees at $0 because its push-payment model eliminates chargebacks. Merchants can choose the payout currency and schedule. Flexa is available in the United States, Canada, El Salvador and 37 countries and territories across the Single Euro Payments Area. Its infrastructure handles KYC and verification for merchants, with NMLS ID 1840599 listed as a license identifier.
Track record and risks
Flexa integrated Base Pay as a default checkout option in October 2025. It expanded across Europe in July 2026. The AMP system has security reviews from Trail of Bits, Praetorian and ConsenSys Diligence, including reviews in 2019, 2020, 2022, 2023, 2025 and 2026. The business relies on an intermediary and collateral while funds are processed, introducing counterparty risk. Crypto payments are generally irreversible, and volatility can affect value before settlement. Regulatory requirements vary across jurisdictions. AMP collateral and network operation also add technical dependencies to the payment flow.
Founders
Trevor FilterCo-Founder and Chief Executive Officer
Daniel McCabeCo-Founder and former Chief Executive Officer
Served as General Counsel, Chief Compliance Officer, and COO.
Tyler SpaldingCo-Founder and former Chief Executive Officer
Zachary KilgoreCo-Founder
Best for:Multichannel crypto acceptanceSelf-custody wallet integrationsSEPA-region merchantsStablecoin point-of-sale payments
Pros and cons
Pros
- Supports 99+ digital assets
- Lists 0% conversion and custody fees on payouts
- Offers online, in-app and point-of-sale acceptance
- Supports self-custody wallets through mobile SDKs
- Available in 37 SEPA countries and territories
- Has security reviews from Trail of Bits, Praetorian and ConsenSys Diligence
Cons
- Merchant coverage varies by country and regulatory requirements
- AMP collateral adds technical and token-system dependency
- Crypto payment mistakes are generally irreversible
- Specific asset and network availability depends on integration
- Flexa controls the payment infrastructure and payout process
Our review
4.1/5
Very good
Flexa delivers sub-second, fraud-proof digital asset payments across physical and online checkouts, but operates as a fully hosted, compliance-gated network without a self-hosted merchant option.
Flexa is a merchant payment network designed to connect digital currencies with point-of-sale infrastructure. The network authorizes payments in less than a second using collateralized pools backed by the AMP token. Because payments settle directly as push transactions, merchants face zero chargebacks and no unexpected reversals, which removes dispute overhead.
The platform accepts more than 99 digital assets, including Bitcoin, Ethereum, and stablecoins like USDC. In October 2025, Flexa integrated Base Pay as a default checkout option. Base Pay supports passkey confirmations at brands such as Chipotle, Sheetz, and Regal. Flexa lets businesses configure flexible payouts in fiat currency or digital assets with 0% conversion or custody fees on merchant payouts. In July 2026, the network expanded from the United States, Canada, and El Salvador into 37 European countries across the Single Euro Payments Area (SEPA).
Trade-offs center on control and compliance. Flexa is not a self-hosted gateway. As a regulated entity holding NMLS ID 1840599, the company handles customer identity checks and mandates business verification. Unhosted, permissionless storefronts cannot use the service. Merchants also depend on the collateralization mechanics of the AMP system.
Flexa was founded in New York in 2018 and has raised $14.1M in funding from Pantera Capital, 1kx, Nima Capital, and Access Ventures. The AMP system has security reviews from Trail of Bits, ConsenSys Diligence, and Praetorian through 2026, with no documented security breaches. Co-founder Trevor Filter leads as chief executive officer following a June 2026 transition. Flexa supports omnichannel retail and point-of-sale payment acceptance.
Sources (2)
Specs
| Settlement | Crypto, Stablecoins, Fiat, Auto-conversion · unverified |
|---|---|
| Coins supported | 99 · unverified |
| Integrations | Base Pay, iOS SDK, Android SDK, React Native SDK · unverified |
| Mass payouts | Yes · unverified |
| Point of sale | Yes · unverified |
| Self-hosted option | No |
| Business verification (KYB) | Yes · unverified |
| Settle in stablecoins | Yes · unverified |
| Merchant countries | United States, Canada, El Salvador · unverified |
| API & SDKs | Yes · unverified |
Not disclosed by the provider: Processing fee, Invoicing, Recurring payments.
Data from the provider's website and public sources. Fees and availability change; confirm on the official site before you sign up.
Key features
99+ supported assets
The payment stack accepts 99+ digital assets, with authorization in less than a second.
Flexible settlement
Merchants can receive payouts in their chosen currency or digital currency and select the payout schedule.
Point-of-sale payments
Flexa supports in-person acceptance through QR codes, Mini App Payments and Flexa Terminal.
Mobile wallet SDKs
Flexa Components includes SDKs for iOS, Android and React Native, with support for self-custody wallets.
Payment Links
Merchants can add online and in-app checkout through Payment Links alongside low-code and no-code integrations.
Chargeback-free payments
Push payments guarantee funds at payment time and carry a listed chargeback fee of $0.
Base Pay checkout
Base Pay is available as a default checkout option across Flexa Payments offerings, including online and in-person flows.
Inside Flexa
Flexa Payments
The core checkout product for accepting digital asset transactions across physical points of sale, websites, and mobile apps with instant authorizations and no chargebacks.
Flexa Components
Prebuilt mobile UI software development kits for iOS, Android, and React Native that allow self-custody wallets to enable instant retail scanning and payments.
Flexa Terminal
A point-of-sale hardware and software solution that allows retail merchants to accept crypto and stablecoins on the go from over 500 mobile wallet applications.
Flexa screenshots
What users say about Flexa
User sentiment is predominantly positive, with community members praising Flexa's merchant-friendly payment infrastructure, direct wallet spending, and instant settlement.
In their own words
“REVOLUTIONARY $AMP Flexa Network powered by $AMP is pure infrastructure alpha. This isn’t hype — it’s real payments, real merchants, real rails, settling instantly while others stay theoretical.”
“the problem with all these crypto cards for spending is that they continue to use the legacy payment rails, which have numerous issues including cost and privacy.”
“They should use Flexa.co retail payment solution. It runs over pure digital rails and all transactions are collateralized in a decentralized manner by community (meaning users can earn a portion of the transaction fee for the service of staking their crypto).”
Based on 22 Reddit posts and comments, 2 App Store reviews from the last 12 months, checked Oct 20, 2026. These are posts by users on other sites, not reviews submitted on CryptoReview.
User reviews
No user reviews yet. Have you used Flexa? Share your experience below.
Funding and investors
$14.1MTotal raised
1Round
4Investors
FAQ
Who founded Flexa and who leads the company?
Flexa was founded in 2018 by Trevor Filter, Daniel McCabe, Tyler Spalding, and Zachary Kilgore. Trevor Filter serves as chief executive officer, while Upneet Teji serves as president.
What fees does Flexa charge merchants for payouts?
Flexa charges 0% fees for conversion or custody on merchant payouts. It also eliminates chargeback costs because transactions are irreversible push payments.
Where is Flexa available?
Flexa operates in the United States, Canada, El Salvador, and 37 countries and territories across the Single Euro Payments Area (SEPA).
Does Flexa have a native token?
Flexa uses the AMP token as digital collateral on Ethereum to guarantee payments and enable instant authorizations before onchain settlement completes.
How does Flexa authorize crypto payments instantly?
Flexa guarantees payment volume in less than a second using collateral pools, removing wait times for blockchain confirmations at checkout.
Has Flexa experienced any security exploits?
No hacks or security exploits have affected the Flexa payment gateway. The network has completed security audits with firms including Trail of Bits, ConsenSys Diligence, and Praetorian through 2026.
Latest from Flexa on X
Missed the last X Spaces by @trev and @realupneet on 6/26? Then catch them this Friday at 1:00 PM ET as they dive more into our Europe announcement and additional Flexa news 🎙️
Now live in Europe. 🇪🇺
Flexa is expanding its regulated money movement platform across 37 SEPA countries and territories.
Our infrastructure for moving value of any kind across borders and between digital and fiat currencies is now available to the broader European region, giving businesses, institutions, and developers a single regulated platform for moving digital assets and stablecoins wherever they need to go.
One platform. Instant authorization. Guaranteed settlement.
Read the full announcement: https://t.co/yElHPJW6UQ
Flexa is expanding its regulated money movement platform across 37 SEPA countries and territories.
Our infrastructure for moving value of any kind across borders and between digital and fiat currencies is now available to the broader European region, giving businesses, institutions, and developers a single regulated platform for moving digital assets and stablecoins wherever they need to go.
One platform. Instant authorization. Guaranteed settlement.
Read the full announcement: https://t.co/yElHPJW6UQ
Today marks a new chapter for Flexa.
Under @dannymccb’s leadership, Flexa built one of the most robust regulatory and compliance foundations in digital asset payments—earning licenses, trust, and the infrastructure needed to scale.
As @trev now steps into the CEO role and @realupneet becomes President, our core objective remains unchanged: making digital asset payments, payouts, and disbursements faster, safer, and more useful in the real world.
This next phase is about execution, scale, and bringing years of preparation to life.
The work continues. Onward!
Under @dannymccb’s leadership, Flexa built one of the most robust regulatory and compliance foundations in digital asset payments—earning licenses, trust, and the infrastructure needed to scale.
As @trev now steps into the CEO role and @realupneet becomes President, our core objective remains unchanged: making digital asset payments, payouts, and disbursements faster, safer, and more useful in the real world.
This next phase is about execution, scale, and bringing years of preparation to life.
The work continues. Onward!
Our CEO and cofounder @dannymccb will be answering your questions on the Amp Discord. Submit your questions today!
Recent public posts from @FlexaHQ, shown as published. Not reviewed or endorsed by CryptoReview.
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