Deck · 2026
PAYMENT ORCHESTRATION INFRASTRUCTURE
Suby payment infrastructure illustration

The payment layer internet businesses actually need.

Suby is a payment infrastructure platform and merchant of record. Your customers pay with card, bank transfer, Apple Pay, Google Pay, or stablecoins. You get paid out to your bank account, PayPal, Venmo, or directly to a crypto wallet. Anywhere in the world, no bank account required.

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$300K
Volume processed
700
Active merchants, 40+ countries
100+
Inbound leads / week
$30M+
Of merchant volume ready to process
01 · INFRASTRUCTURE

Smart routing. Every way to pay.

Suby is a merchant of record and payment orchestration layer. Every transaction is routed in real-time to the best available acquirer or stablecoin rail, maximising success rates and minimising fees automatically. One integration covers every way to pay in and every way to pay out.

Pay-in how customers pay you
Credit & debit card (Visa, Mastercard), bank transfer, Apple Pay, Google Pay, USDC, EURC, ETH, SOL, BNB. One checkout, every method.
Pay-out how you receive your money
Bank account, PayPal, Venmo, or direct to a crypto wallet (USDC or EURC). No bank account required to get started.
Intelligent Routing
Every transaction is routed in real-time to the best acquirer or crypto rail to maximise success rate and minimise cost automatically.
Merchant of Record
Suby handles legal responsibility, tax, compliance, and chargebacks so you don't have to deal with the payment complexity.
HOW A PAYMENT FLOWS THROUGH SUBY
Customer pays (any method)
→ Routed to best acquirer ↑ success rate
Card declined / high-risk country
→ Fallback to stablecoin rail ↓ decline rate
Settlement
→ You receive funds 4% flat, all-in
02 · EDGE

4% flat. No hidden fees.

Stripe quotes 2.9% then adds FX markups, cross-border fees, payout friction, and conversion costs. The real bill is often 7 to 15%. Suby's 4% is the final number. Card or crypto, domestic or international.

STRIPE / WHOP
SUBY
Real total fee
7 to 15%
4% flat
Intelligent routing
✗
✓
Merchant of Record
Partial
Full
Multi pay-in options
✗
✓
Multi pay-out options
✗
✓
No FX fees
✗
✓
Bank account required
Yes
No
03 · MARKET

SMBs & individuals, served by three products.

Our target: international SMBs and individuals under $10M revenue per year. They get no customer support from Stripe, no dedicated account manager, and pay the same opaque fees as enterprise. Suby serves them through three tailored products. One infrastructure, three go-to-market wedges.

Audience
SaaS E-commerce Agencies Freelancers Discord Telegram Memberships Alpha groups
FOR DEVELOPERS
Suby API
SaaS & e-commerce
Drop-in payment API and checkout for tech-led businesses. One integration covers cards, wallets, and stablecoin rails.
FOR CREATORS
Gaty
Digital products & communities
Sell digital products and gate Discord, Telegram, or membership communities. Launch in minutes, no code required.
FOR SERVICES
Billy
Freelancers & agencies
Invoicing and payment links built for cross-border service businesses. Get paid in any currency, cash out anywhere.
04 · TRACTION

From $300K to $30M by end of 2026.

We're on track for a 100x growth year. $30M in committed merchant volume is in active integration or contract discussions across SaaS, NFT marketplaces, DeFi protocols, and gaming.

VOLUME PROCESSED · MONTHLY
$0K → $0M
Today  ·  Target Dec 2026
100x
growth in 2026
Now Q2'26 Q3'26 Q4'26 Dec '26
IN ACTIVE INTEGRATION & CONTRACT DISCUSSIONS
PRODUCT LAUNCH TIMELINE
Now
Suby API live with merchants
June 2026
Suby API full capacity
September 2026
Billy & Gaty launch
December 2026
$30M/month run rate
05 · WHY NOW

Three trends converging.

Stablecoin adoption, an underserved SMB market, and incumbents drifting upmarket. The window to build the next-generation payment layer is open, and it won't stay open for long.

01
Stablecoins crossed $250B in supply.
Regulated stablecoins like USDC and EURC now settle trillions in annual volume, rivalling Visa. Crypto rails are no longer fringe. They're cheaper, faster, and global by default.
02
SMBs are 99% of businesses, underserved by Stripe.
There are 400M+ SMBs globally. Stripe focuses on enterprise (above $10M revenue), leaving everyone else with no support, opaque fees, and one-size-fits-none products.
03
Cross-border commerce is the default.
SaaS, individuals, and agencies sell internationally from day one. Legacy PSPs were built for domestic, leaving 7 to 15% in FX and routing leakage on the table.
06 · UNIT ECONOMICS

How we make money.

We charge differentiated pricing per rail. Crypto at 1.5% (1.25% net margin). Cards at 4% all-in (1.5 to 2% net margin). As volume shifts toward crypto, our gross margin expands structurally while merchants pay less.

CRYPTO RAIL
1.25% take rate
Merchant pays 1.5%
Network & settlement cost ~0.25%
Suby net take 1.25%
CARD RAIL
1.5 to 2% take rate
Customer pays 4%
Acquirer + interchange 2 to 2.5%
Suby net take 1.5 to 2%
Crypto mix expected to reach 60% of volume by Q4 2026, lifting blended gross margin past 35%.
· PARTNERS

Backed by the best rails.

Suby integrates directly with tier-1 infrastructure providers. We don't reinvent the rails, we orchestrate the best ones.

Global card acquiring & processing partner. Enterprise-grade infrastructure for our card rail.
Cross-border stablecoin settlement and global payouts to bank accounts and wallets.
MPC wallet infrastructure for secure custody and direct-to-wallet payouts.
· DEEP DIVE

Explore the details.

Roadmap
roadmap.suby.fi
Flow of funds
flow.suby.fi
Compare vs competitors
compare.suby.fi
07 · TEAM

Built by insiders.

Gaspard Lézin CEO
Payments · Crypto · Fintech infrastructure
Top French engineering school. Ex-Louis Vuitton crypto lead led a $10M project. Millions of views on socials. Built Suby to bridge card and stablecoin rails for the open internet.
Erwan Gour CTO
Full-Stack · API · Blockchain
Top French IT school. Ex-Vinci network & security. Full-stack developer. Built Stripe & stablecoin payment rails. Secured millions in DeFi protocols.
Advisors
Strategic backers from payments & stablecoin ecosystems
From Mastercard
Senior leadership with 15+ years in card networks, acquiring strategy, and merchant economics.
From the stablecoin ecosystem
Operators from tier-1 stablecoin issuers and on/off-ramp infrastructure. Deep regulatory and treasury expertise.
Let's build together.
Open to strategic partnerships, infrastructure deals, and investment conversations. Building in fintech, crypto, or B2B SaaS? We should connect.
Book a call → suby.fi