Opago delivers modular, MiCA‑compliant digital‑asset payment and compliance solutions for financial institutions and enterprises. Its platform lets businesses integrate Bitcoin, Lightning, stablecoins and other Layer 1/Layer 2 assets into existing workflows, offering instant settlement and volatility protection while providing automated AML, KYC/KYB/KYA monitoring that can cut manual effort by up to 98%. The service connects merchants to over 650 million crypto users worldwide.
Funding
Funding not disclosed
Founders
Product
Problem
Regulated enterprises face difficulty integrating cryptocurrency payments because they must meet evolving regulatory requirements such as MiCA while protecting against price volatility and managing extensive AML/KYC/KYB compliance workloads.
Solution
Opago offers a modular platform that combines instant settlement of Bitcoin, Lightning Network, and stablecoin transactions with built‑in, real‑time compliance controls. The solution embeds volatility protection, allowing merchants to receive fiat‑equivalent value instantly while the underlying crypto price fluctuates. Compliance checks are integrated directly into the transaction flow, analyzing wallet and transaction data in milliseconds to block risky activity before it occurs. Automated AML, KYC, KYB, and KYA processes reduce manual effort by up to 98%, enabling enterprises to meet MiCA and other regulatory standards without dedicated compliance teams. The platform can be layered onto existing payment infrastructures, providing a scalable gateway to over 650 million crypto users worldwide.
Target Audience
Primary customers are regulated financial institutions, fintech platforms, and enterprises that need to offer cryptocurrency payment options while staying compliant with MiCA and other AML regulations.
Features
- Modular integration of Layer 1 (Bitcoin), Layer 2 (Lightning) and stablecoin payment rails with instant settlement and fiat‑level volatility protection
- Real‑time, millisecond‑level compliance engine that enforces AML/KYC/KYB/KYA rules within the transaction logic
- Automated compliance workflow that cuts manual effort by up to 98% and provides continuous wallet monitoring
- High‑throughput architecture capable of processing millions of transactions while maintaining low latency and reliability
- API‑first design allowing seamless embedding into existing enterprise payment systems and workflows