ClockPay, a global payments startup, is taking a bold step to redefine how digital assets move across borders with the launch of its ‘Instant Settlement’ bridge.’
The bridge is a system that allows businesses to accept crypto payments and receive local currency within minutes.
The idea was born from founder Martins Ejeheri’s own frustration. After moving to the United States in 2023, the blockchain engineer found that converting crypto to cash took days, creating a gap between liquidity and real-world use.
ClockPay’s solution revolves around an API that serves as a conversion engine. When a business receives payment in stablecoins such as USDC, the platform instantly converts the asset and settles the merchant in their preferred currency, whether Naira, Dollars, Pounds, or others.
The system eliminates the slow, multi-step process typically required to move crypto into traditional bank accounts.
Beyond the core settlement rail, the platform includes digital invoicing, wallets, and other tools designed for small and medium-sized businesses, e-commerce brands, Global content creators, and fintechs that handle cross-border liquidity.
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ClockPay’s early traction has been swift as the startup has onboarded 150 businesses across the United States and Africa, and its infrastructure now supports payments in more than 24 countries.
To operate legally in multiple jurisdictions, the company secured key approvals, which include a U.S. Money Services Business (MSB) license, and established compliant partnerships across African markets.
This regulatory foundation has helped ClockPay process over $45 million in transactions to date.
The business operates on a clear revenue model, which consists of a 1.3 percent fee on API-powered transactions, plus additional earnings from the conversion spread when users off-ramp cryptocurrency to fiat.
The company is already developing new products, including ClockInvest, a platform designed to help individuals invest and generate passive income through blockchain-backed instruments.
ClockPay aims to make blockchain technology so deeply embedded in financial life that it becomes invisible, powering the background of global commerce like any other basic infrastructure.
