Alternatives to x402
The top Fintech companies similar to x402, ranked by relevance (named competitors first, then how closely their sectors overlap) and our 0-100 AI-readiness score. Each links to a full profile with funding and team.
- TRTraditional Payment Gateways10Fintech
Sardine71FintechSan Francisco, United States$95.0M
Crossmint54FintechMiami, United States$23.6M
Sponge42FintechSan Francisco, United States$500K
t54 Labs41AIDublin, United States$5.0M
Pay333FintechSan Francisco, United States- 2s Tech29Agentic AITel Aviv, Israel$1.5M
End Close20FintechSan Francisco, United States
PayAI15Fintech
MoltyCash10Fintech
Coinbase AgentKit10AISan Francisco, United States
SotaTek10AIHanoi, Vietnam- CLClawpay10FintechSan Francisco, United States
- LOLobster.cash9Fintech
- OPOpenx4026Web3
- FIFiserv Inc.77Banking TechnologyMilwaukee, United States$500.0M
Altruist71FintechCulver City, United States$219.0M
Ramp67FintechNew York City, United States$2.9B
Mambu67FintechBerlin, Germany$443.8M
Block67FintechSan Francisco, USA$10.0M
Chainalysis67FintechNew York, United States$170.0M
XMTP63AISan Francisco, United States$49.9M
thirdweb62Web3San Francisco, United States$29.0M
ZBD62Lightning NetworkTel Aviv, Israel$21.0M
Solana61BlockchainSan Francisco, United States$489.5M
BVNK61FintechLondon, United Kingdom$98.5M
ZyG59E-commerceNew York, United States$73.0M
Coins.ph59FintechMakati, Philippines$121.0M
Payflows58FintechParis, France$32.1M
World58BlockchainSan Francisco, United States$140.0M
TRM Labs58CryptocurrencySan Francisco, United States$70.0M
Paid57Agentic AISan Francisco, United States$21.0M
Catena Labs56Agentic AISan Francisco, United States$36.0M
BitPay56FintechAtlanta, United States$72.5M
Edge & Node55FintechSan Francisco, United States$60.0M- SASapiom55Agentic AISan Francisco, United States$18.4M
- GRGradient Labs55FintechLondon, United Kingdom$13.0M
Payman AI54AIDurango, United States$13.8M
Reckon54RetailTechLisbon, Portugal$7.3M
Tweed54FintechNew York, United States$4.0M
dYdX54FintechSan Francisco, United States$87.0M- OUOutpost54FintechLondon, United Kingdom$20.5M
Stellar54FintechSan Francisco, United States$15.5M- FUFun54FintechNew York, USA$72.0M
Celo54BlockchainSan Francisco, United States$63.0M
Safebooks AI54FintechSan Francisco, United States$18.0M
Round54FintechLondon, United Kingdom$8.1M
Fuse53Financial ServicesNew York, United States$25.0M
Orthogonal52Artificial IntelligenceSan Francisco, United States$12.0M- GAGaiaNet.AI52AIBerkeley, United States$20.0M
CipherOwl52FintechSan Francisco, United States$15.0M- OPOpenFX51FintechNew York, USA$94.0M
VeryAI51AIMiami, United States$10.0M
Nevermined50Agentic AISan Francisco, United States$4.0M
Translucent AI50AINew York, United States$46.4M
Kima50BlockchainTel Aviv, Israel$6.7M
Obin AI50Artificial IntelligenceNew York, United States$7.0M- DADatavault AI50Artificial IntelligencePhiladelphia, United States$330.0M
- RIRipple50FintechSan Francisco, United States$2.0B
Adfin49FintechLondon, United Kingdom$22.9M
| Company | Sector | HQ | Funding | Score |
|---|---|---|---|---|
| TRTraditional Payment Gateways | Fintech | — | — | 10 |
| Sardine | Fintech | San Francisco, United States | $95.0M | 71 |
| Crossmint | Fintech | Miami, United States | $23.6M | 54 |
| Sponge | Fintech | San Francisco, United States | $500K | 42 |
| t54 Labs | AI | Dublin, United States | $5.0M | 41 |
| Pay3 | Fintech | San Francisco, United States | — | 33 |
| Agentic AI | Tel Aviv, Israel | $1.5M | 29 | |
| End Close | Fintech | San Francisco, United States | — | 20 |
| PayAI | Fintech | — | — | 15 |
| MoltyCash | Fintech | — | — | 10 |
| Coinbase AgentKit | AI | San Francisco, United States | — | 10 |
| SotaTek | AI | Hanoi, Vietnam | — | 10 |
| CLClawpay | Fintech | San Francisco, United States | — | 10 |
| LOLobster.cash | Fintech | — | — | 9 |
| OPOpenx402 | Web3 | — | — | 6 |
| FIFiserv Inc. | Banking Technology | Milwaukee, United States | $500.0M | 77 |
| Altruist | Fintech | Culver City, United States | $219.0M | 71 |
| Ramp | Fintech | New York City, United States | $2.9B | 67 |
| Mambu | Fintech | Berlin, Germany | $443.8M | 67 |
| Block | Fintech | San Francisco, USA | $10.0M | 67 |
| Chainalysis | Fintech | New York, United States | $170.0M | 67 |
| XMTP | AI | San Francisco, United States | $49.9M | 63 |
| thirdweb | Web3 | San Francisco, United States | $29.0M | 62 |
| ZBD | Lightning Network | Tel Aviv, Israel | $21.0M | 62 |
| Solana | Blockchain | San Francisco, United States | $489.5M | 61 |
| BVNK | Fintech | London, United Kingdom | $98.5M | 61 |
| ZyG | E-commerce | New York, United States | $73.0M | 59 |
| Coins.ph | Fintech | Makati, Philippines | $121.0M | 59 |
| Payflows | Fintech | Paris, France | $32.1M | 58 |
| World | Blockchain | San Francisco, United States | $140.0M | 58 |
| TRM Labs | Cryptocurrency | San Francisco, United States | $70.0M | 58 |
| Paid | Agentic AI | San Francisco, United States | $21.0M | 57 |
| Catena Labs | Agentic AI | San Francisco, United States | $36.0M | 56 |
| BitPay | Fintech | Atlanta, United States | $72.5M | 56 |
| Edge & Node | Fintech | San Francisco, United States | $60.0M | 55 |
| SASapiom | Agentic AI | San Francisco, United States | $18.4M | 55 |
| GRGradient Labs | Fintech | London, United Kingdom | $13.0M | 55 |
| Payman AI | AI | Durango, United States | $13.8M | 54 |
| Reckon | RetailTech | Lisbon, Portugal | $7.3M | 54 |
| Tweed | Fintech | New York, United States | $4.0M | 54 |
| dYdX | Fintech | San Francisco, United States | $87.0M | 54 |
| OUOutpost | Fintech | London, United Kingdom | $20.5M | 54 |
| Stellar | Fintech | San Francisco, United States | $15.5M | 54 |
| FUFun | Fintech | New York, USA | $72.0M | 54 |
| Celo | Blockchain | San Francisco, United States | $63.0M | 54 |
| Safebooks AI | Fintech | San Francisco, United States | $18.0M | 54 |
| Round | Fintech | London, United Kingdom | $8.1M | 54 |
| Fuse | Financial Services | New York, United States | $25.0M | 53 |
| Orthogonal | Artificial Intelligence | San Francisco, United States | $12.0M | 52 |
| GAGaiaNet.AI | AI | Berkeley, United States | $20.0M | 52 |
| CipherOwl | Fintech | San Francisco, United States | $15.0M | 52 |
| OPOpenFX | Fintech | New York, USA | $94.0M | 51 |
| VeryAI | AI | Miami, United States | $10.0M | 51 |
| Nevermined | Agentic AI | San Francisco, United States | $4.0M | 50 |
| Translucent AI | AI | New York, United States | $46.4M | 50 |
| Kima | Blockchain | Tel Aviv, Israel | $6.7M | 50 |
| Obin AI | Artificial Intelligence | New York, United States | $7.0M | 50 |
| DADatavault AI | Artificial Intelligence | Philadelphia, United States | $330.0M | 50 |
| RIRipple | Fintech | San Francisco, United States | $2.0B | 50 |
| Adfin | Fintech | London, United Kingdom | $22.9M | 49 |