Alchemy Pay

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About Alchemy Pay

Alchemy Pay (ACH) is a payment solutions provider that connects fiat and cryptocurrency economies. The project was founded in Singapore in 2018 with the goal of building a decentralized, global payment gateway and processing network to bridge the gap between traditional finance and the emerging crypto economy.

ACH Payments Network and Platform

The Alchemy Pay platform utilizes a hybrid fiat and cryptocurrency payment gateway and ecosystem. This enables merchants and users to accept or make payments in fiat money or major cryptocurrencies including Bitcoin, Ethereum, Binance Coin, and its own ACH token.

Alchemy Pay has built a decentralized payment network combining over 300 payment channels and 40 fiat and crypto settlement networks. This extensive reach enables borderless transactions between merchants and users across multiple jurisdictions.

The platform uses proprietary AI-driven anti-fraud and risk control systems. It also incorporates Know Your Customer (KYC) and Anti-Money Laundering (AML) protocols for regulatory compliance. These features allow Alchemy Pay to offer payment services with fraud detection rates comparable to traditional payment processors.

ACH Token and Its Use Cases

The native ACH token plays multiple roles within the Alchemy Pay ecosystem. Firstly, it acts as a governance token, giving holders voting rights on platform developments and fee structures.

ACH also provides incentives to node operators who validate transactions on the network. Nodes can earn ACH token rewards for maintaining the payment network’s operations.

Finally, ACH functions as a discounted payment option. Merchants receive lower processing fees when accepting ACH payments compared to credit cards or cross-border wire transfers. This incentivizes adoption of the token for settlement.

Hybrid Fiat and Crypto Payment Gateway

A core innovation of Alchemy Pay is enabling both fiat money and major cryptocurrencies to be accepted and settled instantly through a single payment gateway.

Businesses can accept user payments via bank transfers, credit cards, popular digital wallets, and crypto assets through one seamless integration. There is no longer a need to operate separate fiat and crypto payment flows.

Transfers occur via stablecoins pegged to fiat currencies behind the scenes. This allows users to pay using fiat or crypto, while merchants receive settlement in desired currencies with minimal volatility risk.

Partnerships and Adoption

Alchemy Pay has established partnerships with over 300 payment service providers globally. These collaborations expand the reach of its payment network and drive real-world adoption.

Major partnerships include integrations with crypto payment leaders like Binance Pay, Trust Wallet and MoonPay. These enable crypto users to pay 2 million merchants seamlessly.

Alchemy Pay has also partnered with fiat payment giants like PayPal and QFPay. Collaborations with mainstream commerce brands like Arcadier and Shopify further drive adoption of crypto payments.

The platform’s hybrid model, regulatory compliance, and extensive partnerships make it uniquely suited for bridging the gap between fiat and crypto economies.

ACH Tokenomics and Supply

The maximum supply of ACH is fixed at 10 billion tokens. Circulation was around 2.9 billion tokens as of Q3 2022. New ACH is minted through mining to incentivize nodes supporting the network.

ACH is minted at a reducing rate to ensure a controlled supply. Only 100 million ACH can be mined annually starting in 2023, compared to over 1 billion in 2021. As adoption grows, lower inflation should drive value appreciation.

Trading volumes consistently exceed $100 million per day. ACH is listed on major exchanges like Binance, KuCoin and It has shown an ability to deliver multi-thousand percent returns during bull markets.

Future Roadmap and Developments

Alchemy Pay aims to become the de-facto blockchain payment gateway for both crypto and fiat transactions. Its roadmap focuses on expanding services globally, supporting more assets and use cases, and driving adoption.

Planned developments include NFT payment support, expanded DeFi integrations, cross-chain interoperability with networks like Tron and Avalanche, and integrations with metaverse payment channels.

Regulatory approval to provide financial services throughout Asia is also a priority. Alchemy Pay aims to obtain relevant licenses to offer IBAN accounts, virtual cards, remittances and investment products using blockchain rails.


In summary, Alchemy Pay is building a powerful bridge between fiat and crypto economies through an innovative hybrid payment network. Its platform offers fast, low-cost settlement in both fiat currencies and major cryptocurrencies.

Extensive partnerships across payment verticals, regulatory compliance and a clear roadmap make Alchemy Pay one of the most promising platforms connecting mainstream finance to the emerging blockchain economy.


Alchemy Pay (ACH) is a payment solutions provider that connects fiat and cryptocurrency economies. It aims to be a one-stop shop for merchants to accept payments in both fiat and crypto using their existing payment gateways.

Alchemy Pay was founded in 2018 by payment industry veterans John Tan and Shawn Shi. Together they have over 20 years of experience working at industry leaders like Visa, Mastercard, PayPal and more. Their expertise helped shape Alchemy Pay’s mission of bridging fiat and crypto economies.

Alchemy Pay works by partnering with payment gateways and fintech companies to enable crypto acceptance for merchants globally. Users can pay in crypto which is settled in fiat currency to the merchant. This allows easy crypto adoption without merchants needing to directly handle crypto themselves.

Alchemy Pay is used to facilitate crypto payment acceptance for merchants and businesses. It opens up crypto exposure while resolving the volatility and liquidity issues often associated with direct crypto acceptance.

ACH can be purchased on major exchanges like Binance, Coinbase, KuCoin and A full list of exchanges is available on CoinMarketCap.

As a cryptocurrency, ACH should be stored securely in a digital wallet. Non-custodial wallets like IronWallet allow you to control your private keys while benefiting from their easy-to-use platform. Hardware wallets like Ledger and Trezor provide excellent security for larger holdings.

Alchemy Pay stands out by providing hybrid crypto-fiat payment solutions suited for mainstream adoption. It acts as a middleware layer connecting merchants and users rather than a standalone crypto network. This helps overcome adoption barriers and expands real-world use cases.

ACH cannot be mined. Its maximum supply was created at launch. ACH can only be acquired by purchasing it on supporting exchanges and platforms.

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