About
Stackup builds smart-account and digital-asset management infrastructure for businesses operating with cryptocurrency. Its platform centralizes control over decentralized assets and differentiates itself through non-custodial security, role-based permissions, automated workflows, and cross-chain operations.
Market
Stackup competes in B2B digital-asset management and onchain-finance infrastructure for crypto businesses, combining wallet control with payments, treasury, and financial workflow automation. It differentiates through self-custodial, role-based ERC-4337 smart accounts that can be synchronized across EVM-compatible chains and support business workflows such as batching, scheduled payouts, approvals, invoicing, subscriptions, and bill payment; Fordefi is the clearest named adjacent competitor in the evidence, with a stronger institutional MPC-wallet and Web3-gateway positioning.
Stackup targets crypto-native companies, crypto teams, and other businesses that manage onchain assets, payments, and treasury operations. Its likely buyers are finance, treasury, payments, and operations leaders seeking controlled, collaborative alternatives to traditional crypto wallets.
At a Glance
Problem
Crypto companies increasingly run core financial operations onchain, but the practical tooling remains fragmented and cumbersome. Teams must manage wallets, invoices, vendor payments, bank transfers, approvals, compliance, and treasury across primitive wallets and manual workflows. Stackup describes the resulting pain as operational chaos: slow payments, limited visibility and collaboration, hardware-wallet anxiety, technical complexity, and costly mistakes. The main use case is the day-to-day finance function of a crypto business—getting paid, paying vendors, and moving funds between onchain wallets and traditional bank accounts without relying on spreadsheets, manual wallet handling, or constant blockchain-explorer checks.
The economics are primarily operational rather than purely transactional. Manual processes consume finance and operations time, slow collections and vendor payments, increase the risk of irreversible signing or address errors, and make auditability and compliance harder. For a growing crypto company, the killer benefit is turning decentralized asset management into a controlled, repeatable treasury workflow while preserving direct ownership of funds.
Product / Service
Stackup is a B2B digital-asset-management and onchain-finance platform delivered through a web dashboard and developer APIs. It provides self-custodial smart-contract accounts with role-based access, smart policies, approvals, and API-driven workflows. Companies can create invoices, configure subscriptions, track incoming payments, queue vendor payments online or through an API, batch transactions, connect bank accounts, transfer funds between bank and crypto wallets, earn yield on stablecoins, and maintain automated checks and audit trails.
The platform is designed to combine enterprise finance controls with crypto-native self-custody. Its ERC-4337 smart accounts, passkey or Face ID-oriented user experience, granular permissions, real-time cash-flow visibility, and compliance reporting aim to remove the security and usability burden of hardware wallets without giving Stackup custody of customer assets. The result is a centralized operating layer for decentralized finance: finance teams gain speed, collaboration, and control while customers retain onchain ownership.
Market
Stackup competes in B2B crypto software across digital-asset treasury management, smart-contract wallets, payments infrastructure, and developer tools. Its positioning is closer to an operating system for crypto-company finance than to a simple wallet. Safe is an important wallet and multisignature alternative, while institutional treasury platforms such as Fireblocks, BitGo, and Copper represent adjacent competitors for organizations seeking custody, wallet, settlement, and treasury workflows. Stackup also explicitly frames its product as bringing the operational benefits that Brex and Ramp brought to traditional-company finance into onchain operations.
The company was founded in 2021, entered Y Combinator’s Summer 2022 batch, and was listed by YC as active, with a four-person team in the cited profile. It announced a $4.2 million seed round in June 2025 backed by 1kx, Y Combinator, Goodwater Capital, Soma Capital, Amino Capital, and Digital Currency Group, and identifies Cantina as a customer. Public materials reviewed here do not disclose revenue, customer count, or transaction volume, so Stackup is best characterized as an early-stage, funded company with disclosed customer traction—not definitively as pre-revenue.
Founders & Leadership
Funding History
Y Combinator
1kx
Recent News
Y Combinator’s 2026 Crypto / Web3 directory describes Stackup as providing centralized control over decentralized assets through a smart-account platform and identifies it as YC-backed.
Startup Intros updated its Stackup profile, describing the company as an active digital-asset-management startup that helps crypto businesses simplify and automate blockchain operations through smart accounts.
Stackup announced its Keystore permissionless protocol, which enables smart-contract wallets to enforce access control across multiple blockchain networks privately and cheaply.
Stackup’s official resources page announced that its platform was available on the Avalanche network, expanding its supported blockchain ecosystem.
Active Roles
1Business Model
Stackup offers core access-control and sending functionality for free, while monetizing standard token swaps at 0.3% and ACH/fiat transfers through a 0.7% total fee that includes a 0.3% platform fee. Enterprise customers pay subscription fees for unlimited swaps and on-chain sends, enhanced support, and custom integrations.