Mesta, a fintech startup creating a unified payment network that connects traditional fiat rails with stablecoin infrastructure, has raised $5.5 million in seed funding. The round included Village Global, Circle Ventures, Paxos, WTI – Western Technology Investment, Garuda Ventures, Canonical Crypto, Everywhere Ventures, and Inventum Ventures.

The funding will accelerate Mesta’s mission to make cross-border payments instant, compliant, and cost-efficient by merging the reliability of fiat systems with the speed and programmability of blockchain rails.

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A New Kind of Global Payment Infrastructure

Mesta’s platform enables companies to send and receive money across borders using both fiat and stablecoins -  instantly, transparently, and at a fraction of the traditional cost.

Its API connects over 50 currencies and 100 countries, supporting multi-currency accounts, on-ramps to digital assets, and real-time settlement. This hybrid model reduces transfer fees by up to 70% and processing time from several days to just minutes.

In its early launch phase, Mesta reportedly processed $12 million in transaction volume within 12 weeks, a signal of how strong the demand is for next-generation payment infrastructure that can bridge compliance-heavy banking systems and blockchain’s liquidity networks.

The startup is also working closely with regulated entities and treasury partners to ensure global KYC, AML, and local payment compliance across corridors -  a critical foundation for scaling in the fintech space.

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The Rising Tide: Stablecoins and Global Payments

The broader backdrop couldn’t be more promising. According to Fintech News, the stablecoin market surpassed $255 billion in 2025, and analysts forecast it could exceed $2 trillion within five years as regulated digital currencies enter mainstream usage.

Cross-border payment flows -  valued at $700 billion annually -  remain one of the largest, slowest, and most expensive financial systems in existence. The average remittance fee still hovers around 6%, while blockchain-based rails can reduce that to under 1% with near-instant settlement.

That’s where Mesta fits in: it acts as a bridge layer, routing funds across both fiat and blockchain rails, giving businesses the benefits of both stability and speed without forcing them to choose one side.

And here’s where the real magic happens -  in the routing.

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Natural Continuation

What separates Mesta from most cross-border payment startups isn’t just technology -  it’s what the system learns every time money moves.

Each transaction across its rails becomes a data point: the time it took, the cost per corridor, the liquidity depth, the volatility of spreads, and even how often a given partner rail fails or delays settlement. Over time, that dataset becomes a live map of global liquidity.

It’s a level of intelligence that can’t be copied overnight. Most fintechs compete on access -  new partnerships, better compliance, or lower FX spreads. But Mesta is quietly building an adaptive payments brain -  a system that learns where to route money most efficiently based on historical and real-time liquidity conditions.

For founders, that’s the deeper takeaway: in fintech, speed becomes a commodity, but intelligence compounds.

The most enduring fintech companies aren’t just those that move money faster -  they’re the ones that understand why certain corridors perform better, and then turn that insight into an algorithmic advantage.

Every successful transaction is a micro-learning loop. Every delay, every cost variation feeds the intelligence layer that sharpens the next decision.

If you’re building in fintech or any data-rich industry, the lesson is simple: don’t just automate -  observe and adapt. The longer your system runs, the harder it becomes for anyone to replicate your efficiency curve. That’s what turns a product into infrastructure.

Mesta’s hybrid network isn’t just faster; it’s learning how global money actually flows.

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The Market Is Shifting

According to Gartner, over 70% of global enterprises will adopt blockchain or digital asset infrastructure for treasury or payment operations by 2030. Meanwhile, McKinsey projects that cross-border payments will represent a $300 billion revenue pool by 2027.

Traditional payment processors still rely heavily on correspondent banking systems, which are prone to multi-day settlement times and hidden FX markups. As businesses expand globally and remote workforces rise, demand for faster, cheaper, and programmable payment options is exploding.

Mesta’s hybrid approach positions it right in the center of this shift. It can move fiat where regulatory guardrails demand stability -  and stablecoins where blockchain efficiency drives savings.

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The Team and Backing

Mesta was founded by Sandeep Pyapali, a fintech and infrastructure veteran who previously worked on payments scaling and compliance frameworks for global companies. The team combines backgrounds in blockchain engineering, liquidity management, and API infrastructure.

Its investors -  a mix of Web2 and Web3 heavyweights -  signal how the payments world is converging. Village Global (backed by Jeff Bezos and Bill Gates) and Circle Ventures (affiliated with USDC) represent both traditional and digital payment ecosystems betting on the same thesis: interoperability is the future of money movement.

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What the Funding Will Support

The $5.5 million seed round will be used to:

• Expand developer APIs and integration tools for fintechs and marketplaces.
  
• Grow partnerships with liquidity providers and local payment processors.
  
• Enhance compliance frameworks across emerging markets.
  
• Invest in predictive liquidity routing and AI-powered transaction optimization.
  
• Build treasury solutions that manage both fiat and stablecoin assets seamlessly.
  

These initiatives aim to make Mesta a core layer in the next generation of cross-border payment rails -  a global “liquidity router” that powers commerce, payroll, and financial inclusion.

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Why This Round Matters

Mesta’s seed round isn’t just another funding headline -  it’s a sign of where global payments are headed. The future won’t be built on choosing between banks or blockchain -  it will be about orchestrating both intelligently.

By combining traditional rails with stablecoin liquidity and layering intelligence on top, Mesta isn’t just speeding up transactions -  it’s reprogramming how value moves around the world.

For founders, the insight is clear: every system that learns from its own activity builds exponential defensibility. In fintech, as in most industries, the real moat isn’t your code -  it’s your data flywheel.

Mesta is proving that the most valuable infrastructure of the next decade will not only move money but understand it.

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