Crypto Gateways: Digital Money Routers

Crypto payment gateways have evolved beyond a “pay with crypto” button at checkout. As stablecoins and regulated digital money mature, crypto gateways are increasingly becoming digital money routers. Gateways can be thought of as orchestration layers that connect wallets, stablecoins, tokenized deposits, and fiat settlement while handling routing logic, compliance, reconciliation, conversion, and settlement. This report explains what crypto gateways are, how direct and indirect models work, and why stablecoin-first approaches, often with indirect settlement, are becoming the most viable path for mainstream adoption. 

This report also explains why retail payment gateways struggled to scale and gain adoption, what has changed with stablecoins and infrastructure, and where real traction in business-to-business payments is showing up. The report also highlights why these various factors matter for financial institutions and PSPs and offers recommendations to act now, from partner strategy and risk controls to readiness for tokenized payments and interoperability. 

Key questions discussed in this report:

• What are crypto gateways?
• Why do crypto gateways matter now?
• What key risks are involved with crypto gateways?

Companies Mentioned: 

Binance, Bitpay, BVNK, Coinbase, Coingate, Coinify, Coinpayments, Crypto.com, Helio, Nilson report, NOWpayments, Paypal, Prnewswire, Shopify, Stripe, Visa, Worldpay