Open source focus
Open Source Alternatives to Smerch
60 open source Fintech options similar to Smerch, ranked by named competitors first, sector overlap, and our 0-100 AI-readiness score. Each profile notes license and self-hosting where we have it.
Aemetis15Climate TechCupertino, United StatesOpen source · Self-hostable
- SUSuperfluid Foundation49FintechZug, Switzerland$28.2M
Open source · Self-hostable
Horizon Blockchain Games47FintechToronto, Canada$10.0MOpen source
eToro85FintechLimassol, Cyprus$524.0MOpen source
Wirex62FintechLondon, United Kingdom$15.0MOpen source
Tweed54FintechNew York, United States$4.0MOpen source
Kima50BlockchainTel Aviv, Israel$6.7MOpen source
Ethena34Fintech$40.0MOpen source
- LOLobster.cash9Fintech
Open source
Plaid74FintechSan Francisco, United States$734.3MOpen source
Razorpay73FintechBengaluru, IndiaOpen source
Rapyd73PaymentsLondon, United Kingdom$1.3BOpen source
Sei62BlockchainSan Francisco, United States$35.0MOpen source
Shift4 Europe61FintechAllentown, United States$160.0MOpen source
Aave61FintechLondon, United Kingdom$29.5MOpen source
Solana61BlockchainSan Francisco, United States$195.5MOpen source
Iyzico58FintechIstanbul, Turkey$30.6MOpen source
BitPay56FintechAtlanta, United StatesOpen source
Volt55FintechLondon, United Kingdom$140.0MOpen source
Shopify55E-commerce PlatformOttawa, Canada$122.3MOpen source
Mode Network54DeFiLondon, United Kingdom$5.3MOpen source
Celo54BlockchainSan Francisco, United States$63.0MOpen source
Banked53FintechLondon, United Kingdom$2.0MOpen source
Blockchain53FintechNew York, United States$520.5MOpen source
Shapeshift Labs52FintechDenver, United StatesOpen source
PPRO52FintechLondon, United Kingdom$150.0MOpen source
Stride Labs50FintechNew York, United States$6.7MOpen source
- KEKeeta Network47BlockchainSanta Monica, United States$34.0M
Open source
Ethena Labs33Fintech$20.0MOpen source
Virtual-Crypto31FintechOpen source
Lava Payments29FintechLondon, United Kingdom$7.8MOpen source
Trust Wallet28FintechTallinn, EstoniaOpen source
Traditional Payment Gateways (Stripe, PayPal)23FintechSan Francisco, United StatesOpen source
Tryledger21FintechOpen source
Clawpump19BlockchainOpen source
PayAI15FintechOpen source
Libra13FintechGeneva, SwitzerlandOpen source
- X4x402.org10EdTech
Open source
- F(f(x) Protocol10Fintech
Open source
- FXfxUSD5Fintech
Open source
arnipayFintechAsunción, ParaguayOpen source
LidoDeFiOpen source
VelocitypayFintechOpen source
FincharterFintechOpen source
QinvFintechBelo Horizonte, BrazilOpen source
LiquidsonarFintechOpen source
Everstake Validation ServicesFintechKyiv, UkraineOpen source
StarkWare73BlockchainTel Aviv, Israel$180.0MOpen source
Stripe, Inc.72BillingSouth San Francisco, United States$11.4BOpen source
Chargebee69FintechChennai, India$303.0MOpen source
Stripes AI68FintechSouth San Francisco, United States$25.4MOpen source
Mysten Labs64Web3Menlo Park, United States$351.0MOpen source
Mercury64FintechSan Francisco, United States$500.0MOpen source
Rewire63FintechTel Aviv, Israel$57.0MOpen source
ether.fi63DeFiZug, SwitzerlandOpen source
ZenGo63CryptoTel Aviv, Israel$47.0MOpen source
Monad Labs62BlockchainNew York, United States$266.0MOpen source
Afterpay61FintechMelbourne, Australia$1.0BOpen source
Ownera58BlockchainTel Aviv, Israel$20.0MOpen source · Self-hostable
Paid57Agentic AISan Francisco, United States$21.0MOpen source
| Company | Sector | License | HQ | Funding | Score | Website |
|---|---|---|---|---|---|---|
| Aemetis | Climate Tech | Open source · Self-hostable | Cupertino, United States | — | 15 | |
| SUSuperfluid Foundation | Fintech | Open source · Self-hostable | Zug, Switzerland | $28.2M | 49 | |
| Horizon Blockchain Games | Fintech | Open source | Toronto, Canada | $10.0M | 47 | |
| eToro | Fintech | Open source | Limassol, Cyprus | $524.0M | 85 | |
| Wirex | Fintech | Open source | London, United Kingdom | $15.0M | 62 | |
| Tweed | Fintech | Open source | New York, United States | $4.0M | 54 | |
| Kima | Blockchain | Open source | Tel Aviv, Israel | $6.7M | 50 | |
| Ethena | Fintech | Open source | — | $40.0M | 34 | |
| LOLobster.cash | Fintech | Open source | — | — | 9 | |
| Plaid | Fintech | Open source | San Francisco, United States | $734.3M | 74 | |
| Razorpay | Fintech | Open source | Bengaluru, India | — | 73 | |
| Rapyd | Payments | Open source | London, United Kingdom | $1.3B | 73 | |
| Sei | Blockchain | Open source | San Francisco, United States | $35.0M | 62 | |
| Shift4 Europe | Fintech | Open source | Allentown, United States | $160.0M | 61 | |
| Aave | Fintech | Open source | London, United Kingdom | $29.5M | 61 | |
| Solana | Blockchain | Open source | San Francisco, United States | $195.5M | 61 | |
| Iyzico | Fintech | Open source | Istanbul, Turkey | $30.6M | 58 | |
| BitPay | Fintech | Open source | Atlanta, United States | — | 56 | |
| Volt | Fintech | Open source | London, United Kingdom | $140.0M | 55 | |
| Shopify | E-commerce Platform | Open source | Ottawa, Canada | $122.3M | 55 | |
| Mode Network | DeFi | Open source | London, United Kingdom | $5.3M | 54 | |
| Celo | Blockchain | Open source | San Francisco, United States | $63.0M | 54 | |
| Banked | Fintech | Open source | London, United Kingdom | $2.0M | 53 | |
| Blockchain | Fintech | Open source | New York, United States | $520.5M | 53 | |
| Shapeshift Labs | Fintech | Open source | Denver, United States | — | 52 | |
| PPRO | Fintech | Open source | London, United Kingdom | $150.0M | 52 | |
| Stride Labs | Fintech | Open source | New York, United States | $6.7M | 50 | |
| KEKeeta Network | Blockchain | Open source | Santa Monica, United States | $34.0M | 47 | |
| Ethena Labs | Fintech | Open source | — | $20.0M | 33 | |
| Virtual-Crypto | Fintech | Open source | — | — | 31 | |
| Lava Payments | Fintech | Open source | London, United Kingdom | $7.8M | 29 | |
| Trust Wallet | Fintech | Open source | Tallinn, Estonia | — | 28 | |
| Traditional Payment Gateways (Stripe, PayPal) | Fintech | Open source | San Francisco, United States | — | 23 | |
| Tryledger | Fintech | Open source | — | — | 21 | |
| Clawpump | Blockchain | Open source | — | — | 19 | |
| PayAI | Fintech | Open source | — | — | 15 | |
| Libra | Fintech | Open source | Geneva, Switzerland | — | 13 | |
| X4x402.org | EdTech | Open source | — | — | 10 | |
| F(f(x) Protocol | Fintech | Open source | — | — | 10 | |
| FXfxUSD | Fintech | Open source | — | — | 5 | |
| arnipay | Fintech | Open source | Asunción, Paraguay | — | — | |
| Lido | DeFi | Open source | — | — | — | |
| Velocitypay | Fintech | Open source | — | — | — | |
| Fincharter | Fintech | Open source | — | — | — | |
| Qinv | Fintech | Open source | Belo Horizonte, Brazil | — | — | |
| Liquidsonar | Fintech | Open source | — | — | — | |
| Everstake Validation Services | Fintech | Open source | Kyiv, Ukraine | — | — | |
| StarkWare | Blockchain | Open source | Tel Aviv, Israel | $180.0M | 73 | |
| Stripe, Inc. | Billing | Open source | South San Francisco, United States | $11.4B | 72 | |
| Chargebee | Fintech | Open source | Chennai, India | $303.0M | 69 | |
| Stripes AI | Fintech | Open source | South San Francisco, United States | $25.4M | 68 | |
| Mysten Labs | Web3 | Open source | Menlo Park, United States | $351.0M | 64 | |
| Mercury | Fintech | Open source | San Francisco, United States | $500.0M | 64 | |
| Rewire | Fintech | Open source | Tel Aviv, Israel | $57.0M | 63 | |
| ether.fi | DeFi | Open source | Zug, Switzerland | — | 63 | |
| ZenGo | Crypto | Open source | Tel Aviv, Israel | $47.0M | 63 | |
| Monad Labs | Blockchain | Open source | New York, United States | $266.0M | 62 | |
| Afterpay | Fintech | Open source | Melbourne, Australia | $1.0B | 61 | |
| Ownera | Blockchain | Open source · Self-hostable | Tel Aviv, Israel | $20.0M | 58 | |
| Paid | Agentic AI | Open source | San Francisco, United States | $21.0M | 57 |