ʼһ

Guardarian logo

Products used

Open Banking

Manual Bank Transfer

Multi-Currency Accounts

Stablecoin Settlement

Fiat Payouts

Location

Europe

Industry

Crypto

Move Money, at Internet Speed

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Customer Story

Guardarian Teams Up With ʼһ to Power Instant Payments That Are Fast & Borderless as Crypto Itself

A crypto-native partnership delivering frictionless fiat-to-crypto payments in real-time across Europe and beyond.

Customer Story

Guardarian Teams Up With ʼһ to Power Instant Payments That Are Fast & Borderless as Crypto Itself

A crypto-native partnership delivering frictionless fiat-to-crypto payments in real-time across Europe and beyond.

In a Nutshell

Guardarian is building the infrastructure that powers global crypto adoption. Their mission is simple yet ambitious: make crypto accessible to everyone, everywhere. Through a seamless gateway, they enable users to purchase digital assets instantly across exchanges, wallets, Web3 apps, and other platforms - no friction, no complexity. That same focus on speed and simplicity also extends beyond product design, into the payment experience itself.

The Challenge

Traditional Payments Aren’t Built for Crypto

As expanded its global crypto platform, legacy payment methods became a bottleneck for crypto users. Customers who selected traditional bank payment methods often encountered a slower, more fragmented checkout experience, manually entering bank details and dealing with slow SEPA settlement times, which could delay access to funds by several days.

In a fast-moving environment like crypto, which is borderless and instant by nature, that kind of friction doesn’t work. Guardarian needed a payment partner that not only offered better infrastructure than legacy players, but also understood the unique needs of crypto companies.

The Solution

A crypto-native Payment & Banking Infrastructure

After evaluating several providers, ʼһ stood out as the de facto payment and banking infrastructure for crypto companies in Europe. Unlike traditional providers, ʼһ is crypto-native at its core, already trusted by leading players in the space.

From the first conversation, ʼһ’s team demonstrated a clear understanding of Guardarian’s operating model, user expectations, and the pace at which crypto platforms need to move.

Petr Sergeev

“Being crypto-native themselves, they understood our users and our business from day one. Beyond offering a product tailored to crypto companies like ours, their team brought deep industry expertise, a high level of professionalism, and hands-on support in both strategic decisions and day-to-day operations. Among all the providers we considered, ʼһ stood out with the best coverage, frictionless flows, and high conversion rates.”

Petr Sergeev

CEO of Guardarian

Petr Sergeev

“Being crypto-native themselves, they understood our users and our business from day one. Beyond offering a product tailored to crypto companies like ours, their team brought deep industry expertise, a high level of professionalism, and hands-on support in both strategic decisions and day-to-day operations. Among all the providers we considered, ʼһ stood out with the best coverage, frictionless flows, and high conversion rates.”

Petr Sergeev

CEO of Guardarian

Petr Sergeev

“Being crypto-native themselves, they understood our users and our business from day one. Beyond offering a product tailored to crypto companies like ours, their team brought deep industry expertise, a high level of professionalism, and hands-on support in both strategic decisions and day-to-day operations. Among all the providers we considered, ʼһ stood out with the best coverage, frictionless flows, and high conversion rates.”

Petr Sergeev

CEO of Guardarian

From seamless API integration and full-stack support to extensive market coverage across Europe, ʼһ’s real-time payments platform matched Guardarian’s expectations for speed, efficiency, and user-centric design.

The Result

A Payment Experience Designed
for Web3

Since integrating ʼһ’s solution, Guardarian has seen immediate impact across both user experience and business performance:

Faster checkout:

Users can now pay instantly via Open Banking directly from their bank account, without manual data entry or settlement delays.

Higher success rates:

Guardarian benefits from uninterrupted payment flows thanks to ʼһ’s smart routing through a resilient API network connected to 5,000+ banks.

Lower costs:

By removing unnecessary intermediaries and card schemes, ʼһ’s infrastructure significantly reduces processing fees and eliminates chargeback costs.

Looking Ahead

Scaling Crypto Adoption, Together

For Guardarian, the partnership with ʼһ is more than just a technical solution, it’s a shared belief in how financial infrastructure should work for the next generation of crypto users. As the adoption of digital assets continues to grow, real-time payments will play a central role in onboarding the next wave of crypto users.

Petr Sergeev

“Real-time payments and crypto belong together. With ʼһ, we’ve found a partner who understands the crypto industry, making payments as instant and borderless as crypto itself. It’s a partnership that brings us closer to our mission: making crypto accessible to everyone, everywhere.”

Petr Sergeev

CEO of Guardarian

Petr Sergeev

“Real-time payments and crypto belong together. With ʼһ, we’ve found a partner who understands the crypto industry, making payments as instant and borderless as crypto itself. It’s a partnership that brings us closer to our mission: making crypto accessible to everyone, everywhere.”

Petr Sergeev

CEO of Guardarian

Petr Sergeev

“Real-time payments and crypto belong together. With ʼһ, we’ve found a partner who understands the crypto industry, making payments as instant and borderless as crypto itself. It’s a partnership that brings us closer to our mission: making crypto accessible to everyone, everywhere.”

Petr Sergeev

CEO of Guardarian

Contact us

Drop us a line. We’re all ears.

Our team of experts is ready to help you integrate, optimize, and grow with ʼһ. Reach out today and let’s start the conversation.

Contact us

Drop us a line. We’re all ears.

Our team of experts is ready to help you integrate, optimize, and grow with ʼһ. Reach out today and let’s start the conversation.

Contact us

Drop us a line. We’re all ears.

Our team of experts is ready to help you integrate, optimize, and grow with ʼһ. Reach out today and let’s start the conversation.

Contact us

Drop us a line. We’re all ears.

Our team of experts is ready to help you integrate, optimize, and grow with ʼһ. Reach out today and let’s start the conversation.

Ready for the future of money?

Ready for the future of money?

Ready for the future of money?

Ready for the future of money?

Money, at internet speed

ʼһ may provide payment services through ʼһ Pay Oy, which is an Authorized Payment Institution. ʼһ Pay Oy's license is granted by the Finnish Financial Supervisory Authority (FIN FSA) with the registration number 3292703-8. Your account and related payment services are provided by one or more financially regulated partner. Your funds will be held in one or more segregated accounts and the full value safeguarded in line with the Financial Supervision Act.

Money, at internet speed

ʼһ may provide payment services through ʼһ Pay Oy, which is an Authorized Payment Institution. ʼһ Pay Oy's license is granted by the Finnish Financial Supervisory Authority (FIN FSA) with the registration number 3292703-8. Your account and related payment services are provided by one or more financially regulated partner. Your funds will be held in one or more segregated accounts and the full value safeguarded in line with the Financial Supervision Act.

Money, at
internet speed

ʼһ may provide payment services through ʼһ Pay Oy, which is an Authorized Payment Institution. ʼһ Pay Oy's license is granted by the Finnish Financial Supervisory Authority (FIN FSA) with the registration number 3292703-8. Your account and related payment services are provided by one or more financially regulated partner. Your funds will be held in one or more segregated accounts and the full value safeguarded in line with the Financial Supervision Act.

Money, at internet speed

ʼһ may provide payment services through ʼһ Pay Oy, which is an Authorized Payment Institution. ʼһ Pay Oy's license is granted by the Finnish Financial Supervisory Authority (FIN FSA) with the registration number 3292703-8. Your account and related payment services are provided by one or more financially regulated partner. Your funds will be held in one or more segregated accounts and the full value safeguarded in line with the Financial Supervision Act.