Centi Ltd

Centi Ltd is a Swiss blockchain fintech company founded in March 2020 by Bernhard Müller Hug and Ralf Zellweger. The company is headquartered in Zürich, Switzerland, and operates at the intersection of financial inclusivity and blockchain-powered payment innovation. Centi is regulated under Swiss financial law, holds VQF membership, and has achieved regulatory approval within the Swiss financial ecosystem. In February 2024, Centi demonstrated processing over one million micropayments in 24 hours at FinovateEurope, with each transaction amounting to exactly one cent.

Core Products and Services

Centi offers a comprehensive suite of blockchain payment solutions targeting both merchants and infrastructure customers:

• Merchant Solutions: Blockchain-powered point-of-sale and e-commerce payment acceptance accepting stablecoins, with features including daily bank settlements, lowest-in-industry transaction fees, no chargebacks, and seamless integration into existing checkout flows.
• Micropayment Platform: Infrastructure enabling economically viable small-value transactions across sectors such as media (pay-per-article), gaming (in-game purchases), IoT/metering, and events. Offers plugins and APIs for easy paywall integration.
• Stablecoin as a Service: Complete solution for businesses to issue and manage their own branded stablecoins, backed by a Swiss bank guarantee, with full customization from technical issuance to fully-branded white-label deployments.
• Tokenization Services: Platform enabling tokenization of a wide range of assets beyond traditional high-value instruments, including loyalty points, coupons, digital art, and micro-bonds, with high scalability and compliance.
• Whitelabel Payment Feature: Embeddable payment module for consumer apps, allowing businesses to offer Centi-powered payments under their own brand without navigating financial regulations directly.
• Licensing the Centi Payment Network: Franchise/licensing model allowing regional partners to operate the Centi payment network in their local markets, with Centi providing operational and technical support.
• Payment API: Developer-facing REST API for invoice creation, payment status checking, merchant integration, and top-up functionality.

Key Strengths

Centi's core technical advantage is its highly scalable blockchain infrastructure built on a stablecoin foundation — the Centi Swiss Franc (CHF-pegged, bank-guaranteed stablecoin). This enables real-time transactions at minimal cost, making previously uneconomical micropayments viable. The platform is MiCAR-aware and Swiss-regulated, offering businesses a compliant path to stablecoin payments without needing their own regulatory framework. Centi has also partnered with AllUnity to integrate the BaFin-regulated EURAU Euro stablecoin into its ecosystem.

Notable Clients and Partnerships

Centi has established a cooperation with Centbee for cross-border remittances from Switzerland to Africa. In 2026, Centi announced a strategic partnership with AllUnity to integrate the EURAU Euro stablecoin, enabling access to a global payout network of over 500 million recipients.

Why Choose Centi

Centi provides businesses with a compliant, low-cost, and highly scalable stablecoin payment infrastructure that removes the complexity of blockchain and regulatory compliance. Merchants can accept stablecoin payments and receive daily settlements in their bank accounts without altering existing operations. Infrastructure customers can build branded payment products on top of Centi's proven technology, reducing time-to-market and regulatory burden significantly.