Fin.com, a financial infrastructure company building a unified network for global money movement, has emerged from stealth with $20m after quietly growing its annual recurring revenue more than 50-fold since the start of the year.
Until today, the company had never published a blog post, given an interview or publicly confirmed its own existence, despite its technology already moving money for some of the world’s largest payments and money-transfer platforms, leading prediction markets and major digital-asset exchanges, reaching 825 million users worldwide through those customers.
The $20m seed round was led by Expa and Uber co-founder Garrett Camp, with participation from Coinbase Ventures, Tenet Fund, Figure’s founders, Mesh founder Bam Azizi, Second Sight Ventures, and sovereign and royal family offices across the Gulf and Africa.
Cross-border money movement remains reliant on an ageing patchwork of bank messaging systems, local payment rails, intermediaries and manual processes. SWIFT, which has underpinned international bank messaging since the 1970s, was never built as a settlement network, and the gap shows up in fees, FX markups and settlement windows that can run for days.
Last year, $195 trillion moved across borders through rails like it, shedding cost and speed at every step. Fintech has spent a decade polishing the user experience sitting on top of that plumbing, while the infrastructure underneath stayed fragmented.
Fin.com was built to replace that plumbing directly. The company runs a single orchestration layer that allows businesses to collect, convert and move money internationally through local payment rails, USD virtual accounts, SWIFT, stablecoin settlement, liquidity and compliance, all within one network.
It holds licences and regulatory approvals that let it operate in markets many global providers find hard to reach, deliberately concentrating on the Middle East, Africa, South Asia and Southeast Asia, where cross-border flows remain especially fragmented.
Its approach to expansion is also unconventional. Rather than raising large sums to break into new markets from outside, Fin.com acquires licensed, established local operators and folds them into its network, a private equity-style playbook executed at venture pace. Buying into existing licences, banking relationships and local expertise lets the company plug new markets straight into its wider infrastructure.
Seven acquisitions have closed so far, with twelve targeted by the end of the year. That strategy has produced a company of more than 200 people across six offices in New York, Las Vegas, Dubai, Dhaka, Bangalore and Lahore, which has already processed billions in payment volume across more than 51 countries, with most transactions settling within minutes.
Fin.com has also built an advisory board drawing on senior figures from across payments and fintech, including Michael Tannenbaum of Figure, Imran Ahmad of Bitso, Matt Heiman of Mercury, Bruce Wallace of Revolut, former Binance board director Christy Choi, and Mesh founder Bam Azizi.
The company was co-founded by Nabeel Alamgir, a Forbes 30 Under 30 honoree and founder of Lunchbox, and Mustafa Dar, founder of 24/7 Jet and a venture partner at Expa, both of whom have personally experienced the cost and friction of sending money across borders.
The new capital will fund expansion into additional payment corridors and further acquisitions, and Fin.com is also targeting a bank acquisition within the next six months.
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