Directory/Compose Finance
Compose Finance

Compose Finance

Contact
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Category
  • Digital Wallets
  • Fintechs
  • Neobanks
  • Payments
Use Cases
  • B2B Payments
  • Borrowing and Lending
  • Cross-Chain Transfers
  • Payment Settlement
  • Payouts and Payroll
Blockchains Supported
  • Algorand
  • Arbitrum
  • Avalanche
  • Base
  • Celo
On/Off-Ramps
  • Yes
Platform
  • Web
Region
  • APAC
  • Europe
  • LATAM
  • North America
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Compose Finance

A treasury platform for the digital age that allows businesses and individuals to earn and transact across local currencies and stablecoins.

About Compose Finance

Compose is a stablecoin treasury platform that enables businesses and individuals to earn and transact in local currencies (EUR, USD) and stablecoins, including dollar- and euro-denominated digital assets. Compose provides an EU-regulated interface and API to manage onchain stablecoin reserves while handling traditional off-chain transactions like fiat pay-ins and payouts for B2B or retail customer settlements.

Why businesses choose Compose:

  • Launch Faster: Simple onboarding that doesn't take weeks.
  • Competitive Rates: Ultra-low transaction fees on fiat pay-ins and payouts.
  • Virtual Accounts: Create named virtual IBANs for your clients.
  • 24/7 Availability: Personalized round-the-clock support.
  • Self-Custody: Retain control with highly customizable smart accounts.
  • DeFi Integrations: Seamless access to leading DeFi yield protocols (Aave, Morpho).
  • Stablecoin Cards: Use wallet balances to pay online and in-person.

Use Cases

On/Off-Ramps

Compose allows businesses and individuals to convert funds between stablecoins and local currencies. We provide highly competitive rates, efficient execution, and 24/7 availability.

Virtual Accounts

Compose enables businesses to create named virtual IBANs to process fiat pay-ins and payouts directly to end-customers. We facilitate B2B settlements, payroll, or processing of client deposits and withdrawals.

Stablecoin Treasury

Compose provides integrations to leading DeFi yield platforms like Aave and Morpho. Earn up to 15% p.a. on your cash - no crypto experience required.

Cross-Chain Transfers & Onchain FX

Compose allows businesses and individuals to move stablecoins across different blockchains (e.g., Solana, Base, Arbitrum, Ethereum) and convert between supported stablecoins.

Self-Custody

Built on standards securing $100B+ in assets, Compose allows businesses and individuals to retain control of their assets using passkeys and highly customizable approval flows.

Stablecoin Cards

Compose offers non-custodial stablecoin debit cards for businesses and individuals. Enable customers to spend stablecoin balances for online and in-person payments.

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Ready to connect with Compose Finance?

Digital assets are subject to a number of risks, including price volatility. Transacting in digital assets could result in significant losses and may not be suitable for some consumers. Digital asset markets and exchanges are not regulated with the same controls or customer protections available with other forms of financial products and are subject to an evolving regulatory environment. Digital assets do not typically have legal tender status and are not covered by deposit protection insurance. The past performance of a digital asset is not a guide to future performance, nor is it a reliable indicator of future results or performance. Additional disclosures can be found on the Legal and Privacy page.

Circle Internet Financial, LLC (NMLS ID# 1201441). Circle Internet Financial, LLC is licensed as a Money Transmitter by the New York State Department of Financial Institutions and to engage in Virtual Currency Business Activity by the New York State Department of Financial Services. Texas customers click here for information about filing complaints. Maryland customers click here for information about filing complaints.

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Some products and services made available on the Circle Developer Platform (collectively, “Web3 Services”) are offered by Circle Technology Services, LLC (“CTS”). Services do not include financial, investment, tax, legal, regulatory, accounting, business, or other advice. CTS is only a provider of software and related technology and is not engaged in any regulated money transmission activity in connection with the services it provides. For additional details, please click here to see the Circle Developer terms of service.