Overview

The money-movement stack

Five layers, edge to edge — follow the money from a bank account onto a chain, across borders, into yield, and out to spend. Use the sidebar to jump between layers and companies.

5layers
19companies
19deeply researched

The five layers

Every company, by layer

On the radar

Names worth adding next. Promote one into the map once it's researched.

L1 — Ramps & aggregators

  • Onramper
  • Stripe Onramp
  • Paybis

L2 — Infra & issuance

  • Circle
  • Tether
  • Brale
  • Paxos
  • Iron

L3 — Cross-border / payouts

  • dLocal
  • Alfred
  • RedotPay

L4 — Synthetic dollars

  • Hashnote (USYC)
  • BlackRock (BUIDL)
  • Usual (USD0)

L5 — Neo-banks

  • Chime
  • Monzo
  • N26
  • Cash App
  • Coinbase

Platform layer

  • Visa
  • Mastercard
  • Circle
  • Stripe