Bridge vs BVNK: which fits a cross-border payment company?

By Polynopsis team · Last updated 28 October 2026

Bridge, a Stripe company, and BVNK, now part of Mastercard, both let payment companies hold, convert and move stablecoins and fiat through one API. Bridge documents fiat rails in the US, Europe, the UK, Mexico, Brazil and Colombia and funds payouts from prefunded stablecoin wallets, while BVNK collects, holds and pays out USD, EUR and GBP over US, SEPA, UK and SWIFT rails and pays out in 40+ local currencies through Mastercard Move.

Side by side

	Bridge	BVNK
What it does	Stablecoin platform for businesses to receive, store, convert, issue and spend stablecoins through APIs. Products are Orchestration (move and accept stablecoins), Issuance (issue your own stablecoin), Cards (stablecoin-backed cards) and Wallets (hold stablecoins), plus USD and euro accounts for consumers and businesses. source	BVNK's API gives access to the Mastercard Global Money Platform, which lets businesses hold, convert, send, receive and spend fiat and stablecoins and earn rewards on USDC and OUSD balances. Businesses can collect, hold and pay out GBP, USD and EUR, or pay out in 40+ local currencies with Mastercard Move. It runs in three models: Direct (your own payments and treasury), Embedded (accounts for your customers under your brand) and Self-managed. source
Markets covered	Bridge onboards businesses and individuals in most countries. It does not serve 20 prohibited jurisdictions, including Cuba, Iran, North Korea, Russia, Syria and Venezuela, or customers in Algeria, Burundi, China, Japan and Tunisia, and does not onboard new users from South Korea. In the United States it excludes customers whose principal address is in New York, and Texas is limited to first-party orchestration with no custody. source	BVNK states it supports more than 130 countries and holds more than 40 licences and registrations (homepage, October 2026). source
Payout and collection methods	Fiat rails: ACH, FedNow and wire (USD), SEPA (EUR), SPEI (MXN), Pix (BRL), Faster Payments (GBP), and Bre-B and bank transfer (COP). Stablecoins move on chains including Ethereum, Solana, Base, Polygon, Arbitrum, Tron and Stellar. Only USDC and EURC are supported for users in the EEA. source	USD over ACH, ACH same day, FedNow, RTP, Fedwire and SWIFT; EUR over SEPA Credit Transfer, SEPA Instant and SWIFT; GBP over Faster Payments; and internal BOOK transfers. Local payout networks for BRL, MXN, ARS, CAD, COP, CLP, PHP and KRW are listed as upcoming. source
Licences and regulation	Bridge Building Inc. (NMLS ID 2450917) serves US residents and holds US state money transmission licences. Bridge Building S.A. serves EEA residents and is authorised by Luxembourg's CSSF as a crypto-asset service provider (N00000012) and an electronic money institution (W00000024). Bridge Building Limited serves residents outside the US and EEA. source	System Pay Services Ltd: FCA electronic money institution (FRN 901057). System Pay Services (Malta) Ltd: MFSA electronic money institution and MiCA crypto-asset service provider (C66961). System Pay Services Solutions, Spain, S.L.: virtual asset service provider registered with the Bank of Spain (D698). System Pay Services (US), Inc.: FinCEN Money Services Business (NMLS ID 2531294) with money transmitter or equivalent licences in 34 listed US jurisdictions. source
Company (founded, HQ, listed or funding)	Part of Stripe. Stripe completed its acquisition of Bridge on 4 February 2025 (announced from San Francisco and Dublin). Zach Abrams is Bridge's co-founder. source	Founded in 2021 and now part of Mastercard. BVNK states a team of more than 350, USD 50 billion in annualised volume and more than 40 licences. Co-founders include CEO Jesse Hemson-Struthers, CTO Donald Jackson and Chief Business Officer Chris Harmse. BVNK Services Limited is registered at 91-93 Farringdon Road, London. source
How you hold and fund balances	Prefunded wallets are Bridge Wallets that hold developer-funded liquidity in a stablecoin of your choice. They can be the source of outbound transfers for many customers (set on_behalf_of per transfer), can be funded with any Bridge-supported asset, and send bridge_wallet.activity webhooks with the available_balance whenever the balance changes. source	Fiat and crypto wallets are created through the Wallets API v.2 (POST /ledger/v2/wallets). Fiat wallets take a wallet profile that defines their currency and payment methods and come with payment instruments for deposits; each wallet returns a balance amount and currency, and status changes arrive by the ledger:v2:wallet:status-change webhook. source
Balance and reporting APIs	GET /v0/wallets/total_balances returns the total balance across all Bridge Wallets for each currency and chain. source	POST /ledger/v1/reports generates a TRANSACTION report for a date range or a BALANCE report for a point in time, delivered by webhook or email. Report data has a one-hour lag in production and eight hours in sandbox. source
Public pricing	Not published. Developers can add their own per-transaction fee, which Bridge withholds from each transfer and pays out monthly, on the 5th, in USD. source	Not published. Partners can add an optional customer fee (customerFee) to transactions, collected from the customer's wallet separately from the transaction amount and BVNK's transaction fees. source

Which to shortlist

Bridge: Choose Bridge if you want SPEI, Pix and Bre-B documented as direct rails alongside US and European rails, and want to pay out for many customers from one prefunded stablecoin wallet.
BVNK: Choose BVNK if your fiat legs are mainly USD, EUR and GBP over rails such as FedNow, RTP, SEPA Instant, Faster Payments and SWIFT, with local-currency payouts through Mastercard Move, and you want fiat and stablecoin wallets with balance and transaction reports by API.

Running both

Many payment companies use more than one provider per market. Polynopsis reads every partner, bank and wallet into one live position, so each balance, prefund and transfer in flight sits in one place whichever providers you choose.

Frequently asked questions

Who owns Bridge and BVNK?

Stripe completed its acquisition of Bridge on 4 February 2025. BVNK states it is now part of Mastercard.

Which fiat rails do they support?

Bridge lists ACH, FedNow, wire, SEPA, SPEI, Pix, Faster Payments and Bre-B. BVNK lists ACH, FedNow, RTP, Fedwire, SWIFT, SEPA Credit Transfer, SEPA Instant and Faster Payments, and pays out in 40+ local currencies through Mastercard Move; its direct local networks for BRL, MXN and others are marked as upcoming.

How do I hold float with each provider?

With Bridge, a prefunded wallet holds a stablecoin of your choice and can fund transfers for many customers. With BVNK, you create fiat and crypto wallets through the Wallets API v.2, each with its own balance.

How do I pull balances for reconciliation?

Bridge: GET /v0/wallets/total_balances returns totals per currency and chain, and bridge_wallet.activity webhooks report balance changes. BVNK: POST /ledger/v1/reports returns a transaction or point-in-time balance report by webhook or email, with a one-hour data lag in production.

Can I use either provider for EEA customers?

Bridge serves EEA residents through Bridge Building S.A., a CSSF-authorised CASP and e-money institution, and supports only USDC and EURC for EEA users. BVNK holds an MFSA e-money licence and MiCA CASP authorisation in Malta.

Other comparisons

Sources

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