About Payoji
Payoji is a modern financial consultancy built for the needs of today’s globally connected businesses. We help ambitious companies design, scale, and streamline their financial infrastructure — whether you’re navigating cross-border payments, digital banking, or treasury operations in complex or underbanked verticals.
Unlike one-size-fits-all, Payoji understands your exact requirements and matches you with a trusted network of global partners. From stablecoin on/off ramps and virtual USD/EUR bank accounts to real-time global payouts and wallet infrastructure — we enable you to move money with speed, transparency, and compliance.
Our Journey
Payoji was started because a market opportunity was identified — due to persistent financial challenges being faced personally. As a trading company, numerous financial restrictions were encountered early on. In certain regions, capital controls made the international movement of funds difficult — and in some cases, unfeasible. To reduce this friction, a U.S. entity was established, with the expectation that access to USD banking and streamlined vendor payments would be enabled. However, greater challenges emerged soon after.
Even as a fully incorporated U.S. entity, the process of opening a U.S. bank account was found to be far from straightforward. Traditional banking institutions exercised caution towards international founders, and the few available virtual account providers imposed high monthly fees, costly FX conversions, and significant transaction delays. Additional limitations were discovered — support was not extended to clients in certain sectors such as high-risk industries and web3 startups.
No single infrastructure addressed the real-world requirements of digital-native businesses operating across borders and sectors. Identifying the right solutions was time consuming. While the ideal combination was eventually found, the process proved to be tedious, time-consuming, and complex — especially for founders trying to establish operations while managing financial workflows. A significant market gap was recognized.
As a result, a solution was created — not just for one company, but for all businesses facing similar barriers. Wallet providers, liquidity platforms, payment networks, and compliance experts were engaged. Gradually, a trusted network of partners was assembled — one that embraced complexity rather than avoided it. What began as an internal workaround has evolved into a robust financial consultancy for others.
Payoji Vision
We help ambitious businesses design, connect, and scale their financial infrastructure. Whether you’re an e-commerce brand selling phones, a gift card platform anywhere in the world, an underbanked business in LATAM, or a gaming studio in Europe — we bring together the services you need under one roof, with clear pricing, faster execution, and long-term viability. We believe in providing the ease of solving payment related issues for new and existing businesses as well as individuals, so that you don’t have to go through what we went through while building our previous venture.