New York payments startup Fin.com has come out of stealth after securing a $20 million seed round, positioning itself as infrastructure that turns digital dollars into money people can actually spend in local accounts and wallets.
The financing closed in August and was publicly disclosed on September 15, 2026.
Expa and Uber co-founder Garrett Camp led the round.
Coinbase Ventures, Tenet Fund, Figure’s founders, Mesh founder Bam Azizi, Second Sight Ventures, and family offices tied to sovereign and royal capital in the Gulf and Africa also participated.
The company did not share a valuation.
Fin.com was started by Nabeel Alamgir and Mustafa Dar, both immigrants whose own struggles sending money across borders shaped the product. They describe global transfers as a flight that can take off quickly on blockchain rails but still has to land in a messy local banking system.
That “last mile” is what they say they are trying to finish — a mission so central that both founders have the company name tattooed on their bodies.
The brand itself is shorthand for finishing the job.
Rather than selling a consumer app, Fin.com offers white-label tools so other businesses can collect, convert, and pay out funds.
Clients include financial firms, consumer platforms, and prediction markets.
The company says those partners together reach more than 800 million end users.
Features include helping prediction-market customers fund wallets from exchanges such as Binance and Crypto.com, and helping platforms move corporate money across borders.
Coverage already includes more than 40 currencies and payouts in over 30 countries.
The geographic focus is deliberate.
South Asia, Africa, and the Middle East sit at the center of the strategy because remittance volumes there are large and traditional rails remain expensive and slow.
Beyond its New York base, Fin.com has offices in Las Vegas, Dubai, Dhaka, Bangalore, and Lahore.
The founders argue that personal familiarity with those corridors gives them an edge in a crowded field of stablecoin-payment startups.
The timing tracks a larger shift. Dollar-pegged tokens have become a practical settlement layer for cross-border commerce, even as the final hop into a bank account or mobile wallet still depends on conventional partners.
Fin.com’s pitch is a single interface that stitches those two worlds together so enterprises do not have to assemble the network themselves.
Capital from the round is expected to deepen local integrations and widen country coverage.
Investor mix is part of the story.
Expa brings mainstream venture and operator credibility; Coinbase Ventures brings crypto-native distribution; Gulf and African family offices bring proximity to the markets Fin.com wants to serve.
Expa partner Vitor Lourenço joined after Dar shifted from prospective investor to co-founder, a reminder that several of Expa’s partners themselves grew up outside the United States and see cross-border payments as an obvious problem.
It now remains to be seen whether or not the platform becomes durable infrastructure will depend on banking relationships, compliance, and how well it handles the last hop that still lives off-chain. For now, a sizable seed check and a public debut mark Fin.com’s attempt to turn stablecoin speed into everyday local money.