In the cryptocurrency sector, stablecoins serve as a critical bridge connecting traditional finance with the Web3 ecosystem, with infrastructure convenience, security, and compliance remaining central industry concerns. Recently, Coinflow, an emerging payment company, has captured significant attention from both capital markets and the industry through its exploration in stablecoin payments, positioning itself as a notable new force in the crypto payment landscape. On October 8, 2025, Coinflow officially announced the completion of a $25 million Series A funding round led by Pantera Capital. This article examines Coinflow’s core proposition through three key aspects: fundamental concept, team and funding background, and operational mechanism. **What is Coinflow?** Coinflow is a next-generation payment service provider (PSP) built on blockchain technology, with the primary objective of addressing core pain points in traditional global payment systems. It positions itself as a bridge connecting traditional finance with blockchain technology, integrating stablecoins, AI-driven anti-fraud systems, and blockchain proof-of-delivery to create an instant, secure, and globally accessible payment infrastructure. For merchants, Coinflow delivers value across five key areas: – Instant Settlement: Merchants receive payments immediately – Global Coverage: Single integration enables payment acceptance in over 170 countries, with instant fund disbursement in regions including the US and EU – Risk Protection: Provides 100% refund protection and fraud prevention – Diverse Payment Methods: Supports credit cards, Apple Pay, Google Pay, ACH, SEPA, PIX, and over 130 local payment methods alongside crypto payments – Treasury Management: Merchants can earn yield on balances Coinflow services marketplaces, fintech, gaming, payroll, remittances, and e-commerce sectors, with clients including Solana Labs, Faraway, and Audius. **Background and Funding** CEO Daniel Lev previously worked at PwC consulting for financial services companies and later led product teams at fintech startup Amount through Series A to D rounds. Coinflow originated from a side project in 2021 when Lev and CTO Ben Meeder developed a fantasy sports application on Solana. Facing payment limitations, they built custom infrastructure connecting traditional banking with blockchain, eventually spinning off the payment business to establish Coinflow in late 2022. Coinflow’s funding trajectory demonstrates growing market validation: – 2023: $1.45 million Pre-Seed round led by Jump Crypto and Reciprocal Ventures – May 2024: $2.25 million Seed round led by CMT Digital – October 2025: $25 million Series A led by Pantera Capital with participation from CMT Digital, Coinbase Ventures, Reciprocal Ventures, and Jump Crypto The Series A funding represents a critical milestone for accelerating global infrastructure expansion, particularly in high-friction payment regions like Asia and Latin America. **Operational Mechanism** Coinflow’s operational framework centers on stablecoins to bridge traditional payments with blockchain, balancing efficiency, security, and compliance through core technical architecture and key business processes. **Core Technical Architecture:** – Stablecoin Settlement Layer: Utilizes USDC as intermediate settlement asset – AI-Driven Anti-Fraud System: Employs machine learning for real-time risk assessment – Multi-Chain and Multi-Payment Rail Integration: Supports Solana and other blockchains while integrating traditional payment channels **Key Business Processes:** Payment scenarios support multiple acquisition methods, including one-time purchases and Coinflow Credits (platform prepaid balances). Supported methods include credit/debit cards, bank transfers, cryptocurrency wallets, and digital wallets like Apple Pay and Google Pay. Withdrawal processes prioritize compliance with KYC/KYB verification, supported banking account linking, and multiple settlement speed options through real-time payment rails like Visa Direct and RTP. Since its seed funding round in 2024, Coinflow has achieved 23x revenue growth, processes billions in annual transaction volume, and expanded payment services to over 170 countries and regions. Coinflow essentially leverages blockchain technology to address traditional payment inefficiencies while applying traditional financial compliance frameworks to overcome blockchain adoption barriers. Rather than replacing traditional payments, it builds new infrastructure through technological integration suited for the globally interconnected digital economy. Disclaimer: This content represents the author’s personal views and does not constitute investment advice or solicitation. Readers should comply with relevant laws and regulations in their respective countries or regions.