Trading & Crypto
Move fiat in and out. Manage balances across bank and exchange.
Add financial services to your platform. Without building them.
Spike connects your platform to the complete financial access layer — receive, hold, convert, send, and spend — under your brand, through one API. No banking relationships. No regulatory overhead. Ready to ship.
Built for platforms like yours
Spike is infrastructure. If your platform moves money — for buyers, sellers, creators, traders, investors, or workers — this is built for you.
Marketplace
Receive from buyers. Settle to sellers and suppliers across currencies.
Creator
Receive earnings. Hold balances. Spend via card.
Gaming & Betting
Enable deposits and withdrawals. Pay out via card or crypto.
Work & Payroll
Receive globally. Convert and pay out in local currencies.
Affiliate & Publisher
Collect from advertisers. Pay partners globally.
Spend Management
Issue cards. Manage multi-currency spend.
Fintech & Neobanks
Access banking and cross-border payment infrastructure via one API.
Building financial infrastructure is the wrong problem to solve.
Your users need to receive payments, hold balances, convert currencies, and spend. The infrastructure that powers all of that — banking rails, exchange connectivity, card issuance — takes years to build and requires regulated relationships you don't want.
Spike is the layer between your platform and that infrastructure. You embed it. Your users use it. Spike handles everything underneath.
Banking relationships
Establishing direct banking access takes years and requires regulatory standing. Spike is already connected.
Regulatory overhead
Holding funds or issuing cards creates compliance obligations that slow your roadmap and cost your team. Spike absorbs that layer.
Multi-currency complexity
Supporting USD, EUR, GBP, AED — plus crypto — across 100+ countries isn't a feature. It's a full-time infrastructure team. It's already built.
Card issuance
Mastercard-powered cards require a scheme relationship, a BIN sponsor, and a processor. Spike brings all three.
One integration. Full financial capability.
A single API gives your platform access to the complete Spike stack — from day-one sandbox access to full production in weeks.
The product
- Receive via SWIFT, SEPA, Faster Payments, and local rails
- Hold balances in fiat and crypto
- Convert across currencies and assets
- Send to any bank account or wallet, globally
- Spend via Mastercard-powered cards
- Everything under your brand — your users never see Spike
The integration
- Single REST API — one integration covers the full product
- Sandbox access from day one — no waiting on credentials
- Webhooks, SDKs, and full documentation in Resources
- Most platforms go live in weeks, not quarters
- Dedicated integration support through launch
The economics
- A Service Fee applies on currency conversions and cross-asset transactions
- You set the fee your users see — Spike's cost is your floor
- No flat monthly minimum. Revenue scales with your volume.
- Separate Access Fee structure for platform-level services — confirmed at onboarding
Tech platform. Clean stack.
Spike is not a financial institution. It's the technology layer that connects your platform to licensed banking, exchange, and payment infrastructure — without adding regulatory complexity to your product or your team.
No fund holding
Spike does not hold, pool, or intermediate funds. Your users' balances sit with licensed custodians connected through the Spike infrastructure layer.
Regulatory clarity
Because Spike is a technology platform — not a bank, PISP, or CASP — embedding Spike does not transfer regulated obligations to your platform.
Built and operated in Gibraltar
Andromeda Bridge Corporation Limited. Gibraltar incorporation. Legal and compliance questions confirmed with external counsel before launch.
Ready to embed?
Tell us about your platform and what you're building. Most platforms are live in weeks. We'll walk you through sandbox access, integration scope, and commercial terms in one call.
Not ready to integrate? Refer your users to Spike as an affiliate and earn on their activity while you build. Start as an affiliate →