Stablecoins are no longer fringe tools for crypto natives—they’re rapidly becoming the preferred settlement layer for global businesses. In July 2025, AllScale, a compliance-first stablecoin infrastructure startup, raised $1.5 million in pre-seed funding to bring borderless, regulation-ready payments to the small and medium-sized business (SMB) sector.
Amid tightening regulatory clarity from the U.S. and Asia and increasing adoption of digital currencies among startups and freelancers, AllScale’s offering couldn’t be better timed. The raise is backed by an impressive consortium of investors and represents a major leap for compliant crypto payment tools tailored to SMBs. Let’s break down what this means for the future of stablecoin adoption—and how SMBs can benefit.
Why Stablecoins Are a Game-Changer for SMBs
Small businesses face daily payment challenges—especially those with remote teams, international clients, or operations in underbanked regions. Stablecoins like USDC, USDT, and PYUSD offer a powerful alternative to legacy rails, and AllScale is leveraging these for maximum real-world impact.
Stablecoins offer near-instant settlement across borders, minimal transaction fees compared to banks or platforms like PayPal, and reduced FX volatility risk. For SMBs handling international payrolls or invoicing, this significantly improves cash flow and reduces operational friction.
Unlike volatile cryptocurrencies, stablecoins maintain a 1:1 peg with fiat currencies like USD or EUR, giving businesses a familiar unit of account. Their programmability also opens doors for automation in payroll, vendor settlements, and revenue sharing, allowing SMBs to do more with fewer manual processes.
The Funding Round at a Glance
AllScale’s $1.5 million pre-seed round included backing from Spartan Group, Saison Capital, angel investors from ConsenSys and MetaMask, and key Asia-based Web3 VCs. This capital will accelerate product development, compliance tooling, and strategic partnerships across over 100 countries.
The funding was secured just as the U.S. passed the GENIUS Act and Hong Kong finalized its Stablecoin Ordinance, both establishing firm frameworks for stablecoin issuance and compliance. AllScale’s architecture is already aligned with these requirements—positioning it to capitalize on favorable regulatory tailwinds.
The raise coincides with rising SMB adoption of digital assets. Over 34% of U.S. small businesses already use some form of crypto, and a growing majority say they want to pay or get paid in stablecoins. AllScale’s infrastructure is designed to meet that demand—at scale and with compliance in mind.
AllScale’s Platform: Tools Tailored to SMB Needs
AllScale isn’t building another wallet. It’s constructing a compliance-first financial toolkit tailored for non-technical SMB owners and teams.
Its platform is composed of several modular, plug-and-play tools:
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Instant Invoicing Tools: Create, send, and track crypto-based invoices in minutes.
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On-chain Payroll Manager: Pay global teams with stablecoins across over 100 countries using automated payment rules.
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Social-Commerce Biolinks & Widgets: Accept payments directly via chat apps like WhatsApp, Telegram, and Line.
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Settlement Dashboard: Visualize accounts receivable/payable, monitor gas fees, and automate conversions from crypto to fiat.
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Compliance Layer: Integrates real-time AML, KYC/KYB, and KYT monitoring to meet global standards.
The system supports major stablecoins like USDC, USDT, and PYUSD, and runs on cost-efficient, fast blockchains like Solana, Base, and Polygon. With a growing number of SMBs handling international payments and increasingly concerned about fees, AllScale provides instant, reliable, compliant, and global crypto payment tools for real-world commerce.
Why Now? Regulatory and Market Tailwinds
The timing couldn’t be more aligned with market forces. Two significant legal frameworks were finalized just as AllScale announced its raise:
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The GENIUS Act, passed by the U.S. Senate in June 2025, is the country’s first comprehensive stablecoin law.
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Hong Kong’s Stablecoin Ordinance, taking effect in August 2025, offers a regulatory blueprint for issuers and payment providers.
Both focus on reserve transparency, KYC enforcement, and on-chain surveillance for systemic stability. AllScale has embedded these principles into its core from the ground up—offering small businesses a way to use stablecoins with institutional-grade security.
In parallel, payment networks such as Mastercard, Visa, and Fiserv have begun integrating stablecoin capabilities. This suggests growing confidence in digital assets as a mainstream financial infrastructure. For SMBs, the de-risking of crypto payments via regulation and large institutional support is unlocking real adoption.
Team & Expertise Behind AllScale
AllScale is co-founded by Daryl Hok, the former COO of CertiK, a leading Web3 security firm. At CertiK, Hok helped scale operations to over 250 employees and a billion-dollar valuation while leading enterprise adoption of blockchain auditing tools.
The founding team includes ex-members from TrustToken (TrueUSD), MetaMask, and Stably—blending compliance, stablecoin, and UX expertise. With veterans from some of the most secure, user-focused crypto infrastructure firms, AllScale has the experience needed to build for the demands of both regulation and user simplicity.
Go-to-Market Strategy & Expansion Plans
Targeted Market Segmentation
The startup is initially focusing on globally distributed teams, cross-border service providers, freelancers, creators, and social-commerce sellers. These segments face some of the highest friction in payments and are underserved by traditional finance.
Channel Strategy: Plug-and-Play Integrations
From biolinks to API-powered dashboards, AllScale offers SMBs fast and simple entry into crypto finance. Payment links, invoicing widgets, and SDKs are all designed for easy embedding into chat apps, websites, and team dashboards.
Strategic Partnerships & Incubation
Backed by the Hong Kong Cyberport Incubation Program, AllScale benefits from regulatory sandbox access, regional support, and high-quality mentorship.
Compliance-First Distribution
With its AML/KYC/KYB and on-chain KYT systems embedded from day one, AllScale is compliant with the frameworks emerging across the U.S. and Asia—giving it an edge in onboarding risk-sensitive users.
Expansion Phases
AllScale is rolling out in high-friction payment regions first (LATAM, Africa, SE Asia), followed by broader global access across 100+ countries.
Funding Fuel for Growth
The fresh capital will fund new feature development, global compliance partnerships, and business development hires. Its early strategic investors ensure connections into the Asia-Pacific and North American SMB ecosystems.
Competitive Landscape
Existing Players
AllScale enters a dynamic market where several players are targeting SMB-focused stablecoin payments. Platforms like Beam and BVNK offer stablecoin services, but focus more on banking APIs and treasury tools. These aren’t as customizable or SMB-friendly in UX as AllScale’s offerings.
Unique Positioning of AllScale
AllScale’s architecture was designed with SMBs and compliance as dual priorities. With regulatory readiness built-in, support for non-technical users, and tools for invoices, payroll, and chat payments, it offers a more focused product suite for emerging market and remote-first businesses.
Strategic Advantage
With Cyberport incubation, regulatory-first design, and an SMB-native product, AllScale addresses pain points competitors often overlook: real-world usability, low entry barriers, and audit-ready design.
Benefits & Challenges for SMBs
Benefits
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Instant, low-fee 24/7 global transfers.
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Stable fiat-pegged value reduces FX volatility.
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Financial inclusion for underbanked businesses.
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Programmable, automatable workflows.
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Built-in compliance for global operations.
Challenges
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Learning curve and wallet setup.
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Regulatory fragmentation across regions.
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On/off ramp friction with fiat.
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Stablecoin issuer risk tied to reserve yields.
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Customer and partner adoption may lag.
What SMB Owners Should Do Now
To prepare, small business leaders should:
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Educate teams on stablecoin tools and concepts.
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Choose platforms with strong compliance credentials.
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Pilot small transactions with clients or contractors.
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Secure fiat on/off ramps early.
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Track regulatory developments in your region.
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Help customers understand stablecoin advantages.
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Monitor results and expand gradually as confidence grows.
The sooner SMBs act, the more they’ll gain from cost savings, faster settlement, and greater global reach.
Future Outlook
Stablecoins already support over $36 billion in B2B transaction flows, and SMB adoption is growing fast. In the U.S., 34% of SMBs use crypto, with 18% using stablecoins—a number expected to double as regulatory clarity grows.
With firms like Fiserv, Mastercard, and Visa building stablecoin infrastructure, the digital asset rails for B2B payments are rapidly going mainstream. Meanwhile, regulation in the U.S., Hong Kong, and Singapore is catching up—providing long-term guardrails and trust for small businesses.
AllScale is perfectly positioned to ride this wave. Its compliance-first, SMB-friendly platform could become the default for small business stablecoin transactions.
Final Thoughts
AllScale’s $1.5M funding round represents more than capital—it’s a signal that stablecoin infrastructure is ready for mass adoption by small businesses.
With its powerful suite of tools, regulatory alignment, and global roadmap, AllScale is helping SMBs shift from legacy banking friction to programmable financial freedom.
For business owners, now is the time to test, learn, and adopt. The era of compliant, scalable, and global stablecoin payments for SMBs has arrived—and AllScale is leading the charge.
