Стартап Fin привлек $17 млн на приложение для международных платежей со стейблкоинами

cryptonews.ruPublicado a 2025-02-03Actualizado a 2025-12-04

Стартап Fin, основанный двумя бывшими инженерами Citadel, получил финансирование для запуска приложения на базе стейблкоинов. Сервис предназначен для проведения дорогостоящих международных транзакций.

Иан Кротинский и Аашик Дхирадж, ранее работавшие в Citadel, привлекли $17 млн для развития Fin — приложения для платежей со стейблкоинами. Об этом стало известно в среду из публикации Fortune.

Раунд финансирования прошел при поддержке Pantera Capital, Sequoia и Samsung Next. Ранее стартап назывался TipLink. Компания планирует запустить пилотную версию приложения в течение следующего месяца. Основной целевой аудиторией станут компании, занимающиеся импортом и экспортом, которые регулярно переводят суммы в сотни тысяч долларов.

Приложение Fin построено на инфраструктуре стейблкоинов. Оно позволит пользователям отправлять средства в другие платежные приложения, на банковские счета и криптокошельки. Цель сервиса — снизить затраты по сравнению с традиционными банковскими переводами.

Компания намерена получать доход за счет комиссий за транзакции (они будут ниже банковских) и процентов на остатки стейблкоинов в кошельках пользователей.

Кротинский рассказал Fortune, что приложение создано для крупных платежей, которые сервисы вроде Venmo и Zelle не могут обработать мгновенно. Fin обеспечит глобальные переводы без задержек, характерных для традиционных банковских сетей.

Банки, платежные гиганты и карточные сети осваивают стейблкоины

После вступления в силу в США закона GENIUS Act в июле банки и крупные платежные компании активизировали работу над продуктами со стейблкоинами.

В июле JPMorgan Chase заявил о более активном развитии направления стейблкоинов. CEO Джейми Даймон сообщил аналитикам, что банк намерен напрямую участвовать в этом секторе из‑за растущей конкуренции со стороны финтех‑компаний, создающих платежные инструменты, схожие с традиционными банковскими услугами.

В том же месяце о схожих планах заявила Citigroup. CEO Джейн Фрейзер сообщила, что банк изучает возможность выпуска собственного стейблкоина для поддержки цифровых платежных потоков. Это еще одна крупная американская организация, которая готовится выйти на рынок стейблкоинов.

В октябре Western Union объявила о пилотной программе системы расчетов на базе стейблкоинов. Цель проекта — модернизировать денежные переводы для более чем 150 млн клиентов компании.

Также в октябре Visa сообщила о поддержке четырех стейблкоинов на четырех разных блокчейнах. CEO Райан Макинерни заявил инвесторам, что компания планирует расширять возможности работы со стейблкоинами — за последний год сегмент показал сильный рост.

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