Noah
Noah
Noah is an API-first stablecoin-based cross-border payments platform that combines stablecoins and local payment rails so businesses and individuals can collect, convert and pay out in 70+ currencies. It offers USD and EUR accounts (Payin), programmatic conversion from stablecoins to 30+ fiat currencies with local payouts (Payout) and automatic payment-orchestration rules. It has built-in KYC/AML and relies on licensed banking partners for off-ramp. It raised a $22 million seed round.
Data & conditions
| Service type | Stablecoin infrastructure |
|---|---|
| Pricing model | Custom quote |
| Fiat rails | ACH, SEPA, SWIFT |
| Stablecoins | USDC, USDT |
| Custody model | qualified-custody |
| Customer type | Fintech, Enterprise, Platforms |
| Fund custody | Custodial (platform holds funds) |
| KYC | Full |
| Supported countries | US, EEA, UK, LATAM, AFRICA |
| Segment | B2B |
| Funding / solidity | Stablecoin-based cross-border payments startup · $22M seed round · combines stablecoins and local rails to collect, convert and pay out in 70+ currencies · licensed banking partners for off-ramp |
| MiCA / License status | Not disclosed |
Strengths
- Stablecoin settlement with payouts in 70+ currencies via local rails
- Built-in KYC/AML compliance
- Modular API products (Payin, Payout, Orchestration)
- No notable sovereignty advantage documented.
Weaknesses
- B2B product, not accessible to end consumers
- Young company (seed stage), limited publicly documented regulatory status
- Relies on third-party banking partners for fiat off-ramp
- Custodial: the platform holds your funds and can freeze or lose them.
- Full KYC required: verified identity, zero pseudonymity.
Verdict
Score 3.4/5, solid profile. In its favour: stablecoin settlement with payouts in 70+ currencies via local rails. The trade-off to weigh: b2B product, not accessible to end consumers.
On the Sovereignty lens the score is 0.6/5 (weak): the strength is censorship resistance (1.5/5), while privacy & anonymity (0.0/5) is the weak link.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
FAQ
Can an individual use Noah?
Noah is aimed mainly at businesses embedding stablecoin cross-border payments via API; it is not a general consumer product.
Does Noah custody funds?
Yes, in its operations funds pass through Noah and its banking partners during collection, conversion and payout.
Sources
- Official service page Data verified on Jul 17, 2026
- docs.noah.com Payout Data verified on Jul 17, 2026