A stablecoin payments app from the team behind TipLink - engineered for high-value, global, and instant transactions.
Fin is a payments company built for money that is high-value, global, and instant. Its app unifies balances into a single USDC wallet, so a user - or a business - can send funds to another Fin user, straight into a bank account, or across crypto rails, and have it settle in seconds rather than days. The founders' framing is blunt: if banks and payment products could be rebuilt from the ground up today, they would look like Fin.
The company was founded by Ian Krotinsky and Aashiq Dheeraj, two engineers who met at the hedge fund Citadel. It was previously known as TipLink, a tool for sending crypto through shareable links built on Solana. Fin is that idea scaled up: not a way to tip a few dollars, but a way to move hundreds of thousands - or millions - reliably.
Stablecoins are the rails, not the pitch. Fin's bet is that most people and businesses do not want crypto; they want their money to arrive fast, cheaply, and everywhere. By hiding the blockchain behind a single balance, Fin aims to feel like a normal payments app that happens to be far quicker across borders.
The timing is deliberate. Fin surfaced its Series A in December 2025, in the wake of a 2025 U.S. stablecoin regulatory framework that pulled the technology further into the mainstream - clearing a path for consumer-facing products built on stablecoin infrastructure.
Fin is built as the payments app of the future. We're building an app that takes advantage of all the benefits of stablecoins without all the complexity.
Fin's first target is businesses that routinely move large sums across borders - the import/export firms that wire hundreds of thousands of dollars at a time and then wait for it to clear. Alongside them are individuals making high-value transfers that consumer apps cap or refuse.
Traditional cross-border payments are slow and expensive. A large wire can take days to settle and burn fees at every hop. Consumer apps like Venmo and Zelle are fast but cap high-value transfers and stop at the border.
Fin's answer is to settle high-value payments in seconds on stablecoin rails, unify everything into one USDC balance, and let users cash out to a bank whenever they want - so speed and size stop being a trade-off.
A stablecoin-powered mobile app that unifies balances into one USDC wallet. Send and receive instantly to other Fin users, bank accounts, or crypto wallets across chains and borders.
A payments product piloting with import/export firms that move six-figure sums, offering near-instant high-value settlement as an alternative to slow, costly bank wires.
The founders' earlier product: a way to send crypto via shareable links without needing a wallet, built on Solana. The technical and conceptual foundation for Fin.
Two lines, both tied to volume:
Because settlement runs on stablecoin rails rather than correspondent banking, the cost base for moving money internationally is structurally lower.
Fin does not frame itself against crypto startups. Its stated competitors are legacy institutions - JPMorgan Chase and Barclays for high-value cross-border transfers, and apps like Venmo and Zelle for domestic ones.
In December 2025, Fin announced a $17M Series A led by Pantera Capital, with participation from Sequoia and Samsung Next - raised to launch its stablecoin product and pilot with import/export businesses. Total reported funding across the company's life is roughly $29.5M.
Bars scaled to total reported funding. Prior amount approximate.
A top-tier syndicate backing a product still in pilot signals conviction in the team - the ex-Citadel founders who already shipped once as TipLink.
While working at Citadel, Krotinsky and Dheeraj spent nights and weekends on hacking projects. One was a version of Reddit where whoever reached the front page got paid $50. It was a lark - until they tried to actually pay people around the world.
Sending that money turned out to be surprisingly hard. The friction they hit on a $50 payout was the same friction businesses hit on a $500,000 wire, only worse. That realization pointed them at payments, first as TipLink and then, at larger scale, as Fin.
The through-line is consistent: moving value should be as easy as sending a message. TipLink proved the mechanic on small crypto transfers; Fin applies it to the high-value, cross-border payments that legacy banking handles slowly.
It is a familiar shape for durable startups - a small, annoying problem no one wanted to solve, taken seriously enough to become a company.
Ian Krotinsky and Aashiq Dheeraj build TipLink, a Solana-based tool for sending crypto via shareable links.
Experiments with paying people globally reveal how slow and costly cross-border money movement remains.
The team reshapes TipLink into Fin - a stablecoin payments app for high-value, global, instant transactions.
Fin raises a $17M Series A led by Pantera Capital, with Sequoia and Samsung Next, and plans a pilot with import/export businesses.
Fin is a stablecoin-powered payments app that lets users and businesses send high-value money instantly and globally - to other Fin users, bank accounts, or crypto wallets - by unifying balances into a single USDC wallet.
Fin was founded by Ian Krotinsky (Co-Founder & CEO) and Aashiq Dheeraj, both former Citadel engineers and the team behind TipLink.
Fin raised a $17M Series A in December 2025 led by Pantera Capital, with participation from Sequoia and Samsung Next. Total reported funding is roughly $29.5M.
Fin initially targets businesses moving large cross-border payments, such as import/export firms, along with individuals making high-value transfers. The product was in pilot/early launch as of late 2025.
Fin settles high-value payments in seconds using stablecoin rails, positioning itself against slow, costly bank wires (JPMorgan, Barclays) and consumer apps like Venmo and Zelle that cap high-value transfers - while hiding crypto complexity from users.
Profile compiled from public sources including Fortune, PR Newswire, FinSMEs and fin.tech. Funding figures reflect reported amounts; the "prior (TipLink)" bar is an approximation. Details accurate as of the reporting date.