Payments · Review
ActiveLync Review 2026: Business payments and FX
Lync is a business payments platform for multi-currency accounts, cross-border transfers, FX, and USDT or USDC conversion. It brings several business finance tools together, but fees, custody arrangements, and access by country need clarification before use.
By the DappsAtlas editorial team · Updated
DappsAtlas score
6.8/10
Good
Our verdict on Lync
6.8/10Lync may suit businesses that need international payments, multiple currency accounts, FX, and stablecoin conversion in one service. Its breadth of business tools and APIs is the main strength, especially for companies operating across currencies. The main caveats are that detailed fees, stablecoin network support, and custody arrangements are not published on the homepage. Regulatory claims are jurisdiction-specific, so businesses should confirm eligibility, payment coverage, and compliance requirements for their own locations before opening an account.
Score breakdown
How Lync scores
- Security
- 5.0/10
- Ease of use
- 7.0/10
- Fees
- n/a
- Features
- 8.0/10
Scores run from 0 to 10 and are based only on facts we could verify. Where information was missing we mark the score n/a rather than guess.
What is Lync?
Lync is a financial services platform for businesses that need to collect, convert, and move money across borders. Its product set includes multi-currency accounts, international payments, FX, expense management, invoicing, and APIs. The site names USD, EUR, GBP, and NGN among its account currencies and says it supports USDT and USDC conversion.
Lync is a centralized business service, not a decentralized exchange or self-custody protocol. It says it serves more than 100 countries and is licensed as an MSB in the US and an IMTO in Nigeria. Vemopay Inc., identified as Lync's parent company, also states that it is registered with FINTRAC in Canada as a money service business. Detailed fees, supported stablecoin networks, and custody arrangements are not published on the homepage.
How Lync works
Lync combines business payment and finance functions in one platform. A business can use multi-currency accounts to collect and hold funds, send cross-border payments, convert currencies, manage team expenses, and issue invoices. The site says it supports accounts in more than 10 currencies and payments to more than 100 countries, though it does not list every supported country or corridor.
For businesses that handle crypto, Lync says it can convert between USDT or USDC and fiat currencies including USD, EUR, and NGN. Its APIs let companies add account, payment, and FX workflows to their own products. Lync does not specify the blockchain networks for stablecoin transfers, or provide detailed information about custody and settlement partners.
5 features
Key features
01
Multi-currency accounts
Businesses can open accounts in USD, EUR, GBP, NGN, and more than 10 currencies, according to the site.
02
Cross-border payments
Lync says users can send payments to more than 100 countries and track transfers in real time.
03
Stablecoin and FX conversion
The platform supports conversion between stablecoins including USDT and USDC and fiat currencies such as USD, EUR, and NGN.
04
Expense management
Teams can set spending limits, manage sub-accounts, approve expenses, and send invoices in different currencies.
05
Business APIs
Businesses can use APIs for accounts, transfers, FX conversions, and payment workflows.
Pros and cons
What we like
- Combines accounts, payments, FX, invoicing, and expense tools for business use.
- Supports conversion between USDT or USDC and named fiat currencies.
- Offers APIs for businesses integrating payment and FX workflows.
- Lists multiple account currencies, including USD, EUR, GBP, and NGN.
- The site identifies regulatory registrations or licensing in the US, Nigeria, and Canada.
Watch out for
- Lync does not publish a detailed fee schedule or FX spread information on its homepage.
- The specific countries and business types eligible for accounts and transfers are not listed in detail.
- Custody, safeguarding arrangements, and the role of banking and payment partners are not explained.
- The site describes security certifications but does not identify an independent smart-contract or financial audit. The service is presented as a payments platform, not a decentralized protocol.
- Regulatory claims cover named jurisdictions, but do not establish that the service is authorized for every country it serves.
Lync fees
Lync describes its FX rates as transparent and says it has no hidden fees, but it does not publish a detailed schedule of transfer charges, account fees, or FX spreads on its homepage. Ask Lync for the applicable charges and exchange-rate quote before committing to a transaction.
Is Lync safe?
Lync describes AICPA SOC, PCI DSS, and ISO 27001 certifications, but the homepage does not provide audit reports or enough detail to independently assess their scope. It does not identify a smart-contract audit; the service is described as a centralized payments platform rather than an on-chain protocol.
Using Lync involves reliance on the company and its financial partners to process payments and manage accounts. The site does not explain custody, safeguarding, or recovery arrangements in detail. It says it is licensed as an MSB in the US and an IMTO in Nigeria, and identifies Vemopay Inc. as registered with FINTRAC in Canada as an MSB. These statements do not establish authorization in every country where customers may use the service.
5 steps
How to get started with Lync
- 1
Check with Lync whether your business and its countries of operation are eligible for the service.
- 2
Create an account through Lync's website and follow the onboarding requirements shown there.
- 3
Choose the account currencies and payment or invoicing features your business needs.
- 4
For stablecoin use, confirm supported networks, conversion terms, and settlement details with Lync before transferring funds.
- 5
Review the quoted exchange rate, fees, and settlement timing before authorizing a payment.
Who Lync is for
Lync is aimed at businesses, fintechs, marketplaces, importers, exporters, and remittance providers that need cross-border payments or multi-currency operations. It is less suited to individuals seeking a self-custody wallet, a decentralized exchange, or a crypto trading product.
Lync FAQs
What is Lync?
Lync offers businesses multi-currency accounts, cross-border payments, FX conversion, expense management, invoicing, and APIs. It also says businesses can convert between USDT or USDC and fiat currencies.
Which currencies and stablecoins does Lync support?
The site names USDT and USDC as supported stablecoins and lists USD, EUR, GBP, and NGN among its currencies. It does not specify which blockchain networks are supported for stablecoin transfers.
Which countries can Lync send money to?
Lync says it can send payments to more than 100 countries, including same-day settlement on some transfers. It does not publish a detailed list of supported corridors or guarantee the same timing for every payment.
What fees does Lync charge?
Lync describes its FX rates as transparent and says it has no hidden fees, but a detailed fee schedule and FX spread information are not published on the homepage. Confirm the total cost with Lync before making a transfer.
Is Lync regulated?
Lync says it is licensed as an MSB in the US and an IMTO in Nigeria. Its site also identifies Vemopay Inc. as registered with FINTRAC in Canada as a money service business; these statements do not establish authorization in every country where customers may operate.
Is Lync a self-custody crypto platform?
Lync is presented as a service for businesses, rather than a self-custody wallet or decentralized exchange. The site does not explain its custody and safeguarding arrangements in detail, so businesses should clarify those terms before moving funds.
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How we checked
Sources
No public sources were recorded for this review.
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