TL;DR
- Paid services is a B2B infrastructure platform built on Kraken 15 years of operating history, providing businesses with single integration For stable payments, tokenized asset markets, digital asset trading, staking, ready And Global Fiat and Crypto Finance Rails.
- Unlike fragmented multi-vendor approachesPayward Services provides unified cryptographic infrastructure with coordinated liquidity, police custody, compliance, risk management And regulation capabilities, reducing operational complexity for fintech, banks, brokerage houses, payment providers And global platforms.
- Payward Services represents Kraken entry into the enterprise encryption infrastructure market, enabling partners to create and develop financial products always available including perpetual, eventually, prediction markets, tokenized shares And Stablecoin-based payment rails as part of a broader evolution towards programmable capital And continuous markets.
A new phase for global finance
Global finance is entering a new phase. Markets are moving toward real-time settlement. Stablecoins enable borderless transfer of value, thereby accelerating global monetary movements. Assets are increasingly tokenized and capital markets are expanding to include natively digital instruments.
An integration. All abilities.
Payward Services is a new infrastructure platform that allows businesses to seamlessly integrate trading, payments, financing and digital asset services through a single unified system.
Providing stable payments, tokenized asset markets, and always-on financial products requires much more than adding a crypto trading feature to an app. This requires closely coordinated liquidity, custody, payment, compliance, risk management and financing capabilities that operate consistently under real market conditions.
Why fragmented infrastructure is not enough
Many companies attempt to assemble these components through multiple providers spanning banking, execution, settlement and compliance. Over time, this fragmented model can complicate monitoring, duplicate controls, trap capital in siled systems, and steadily increase operational burden as the business scales.
We built Payward Services to offer a different approach.
Infrastructure refined over 15 years
Today, a growing number of companies already rely on Payward’s infrastructure to power elements of their digital asset products and financial services. Payward Services provides the infrastructure that has powered Kraken since 2011 through a unified B2B platform, allowing partners to build directly on systems that have been developed and refined over years of operational experience.
Through a single integration, partners can access:
- Stablecoin-based payment and financing rails for real-time borderless settlement
- Digital and tokenized asset markets, including pers, futures and predictions markets
- Staking, lending and yield programs
- Global fiat and crypto finance capabilities, including on- and off-ramps
These capabilities represent the foundation of the Payward Services platform, which will continue to expand as new financial infrastructure and services are introduced over time.
Rather than coordinating disconnected counterparties and overlapping technology stacks, partners integrate into an infrastructure honed over 15 years of operating history. Execution, custody, funding rails, risk engines and compliance frameworks are designed to work in concert, reducing integration friction, limiting redundancy and simplifying ongoing operations.
These capabilities already exist within Payward’s technology stack. Payward Services organizes them into modular infrastructures and services that businesses can integrate, deploy and scale as part of their own financial products and strategies.
The operational advantage
The benefits are tangible. Capital flows more easily between trading, custody and payments. Funding cycles are compressing. Reconciliation points decrease. Risk management is applied consistently throughout the asset life cycle. Financial workflows (from settlement to compliance checks) are automated at the system level, reducing manual interventions and strengthening control environments.
The result is a resilient, capital-efficient foundation that supports growth without adding to operational complexity.
Built for fintechs, banks, brokerages, payment providers, marketplaces and global platforms, Payward Services delivers tokenized financial capabilities as a structured, scalable infrastructure with clear accountability and operational transparency.
It’s not just about introducing digital asset features. This reflects a broader shift towards programmable capital, seamless markets and globally accessible liquidity. Payward Services provides the infrastructure businesses need to create, launch and scale financial products in the new economy.
Geographic restrictions apply
Custody Services are provided by Payward Financial, Inc. or Payward Europe Solutions, Ltd, as applicable. Payward Financial, Inc. d/b/a Kraken Financial is not an FDIC-insured bank and deposits are neither insured by nor subject to the protections of the FDIC. Payward Europe Solutions Limited, trading as Kraken, is regulated by the Central Bank of Ireland.
Trading in derivatives and other financial instruments, including leveraged financial instruments, involves significant risks and is not suitable for all investors. See our Risk Disclosure to learn more.
OTC lending services are offered by Payward Oceanic Ltd. to eligible customers only and are subject to applicable terms and conditions. OTC loans carry risks, including the risk of loss of collateral or principal. Availability of Services may vary by jurisdiction.
xStocks are issued by Backed Assets (JE) Limited (a Jersey limited company) and offered to eligible Kraken customers via Payward Digital Solutions Ltd. (“PDSL”), a company authorized to carry out digital asset business by the Bermuda Monetary Authority. xStocks are not and will not be registered with any local securities regulator. PDSL (Kraken) does not provide investment advice and/or recommendations, and no communication, whether through any Kraken app or website or otherwise, should be construed as such. Individual investors should make their own decisions or seek independent professional advice if they are unsure whether an investment is suitable for their circumstances or needs, including tax matters.
