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About PhotonPay
PhotonPay is a digital financial infrastructure platform focused on cross-border payment solutions. Its core services include global payment collection, multi-currency account management, and commercial card issuance, designed to help businesses handle international transactions more efficiently.
The company's flagship product, PhotonPass, is a stablecoin-based payment solution that supports instant transfers between major fiat currencies and stablecoins such as USDT and USDC. This system bypasses traditional correspondent banking networks, reducing transaction costs and settlement times.
PhotonPay addresses common pain points in cross-border commerce, such as high fees, slow settlement, and complex multi-currency management. By leveraging stablecoin infrastructure, it offers faster and more cost-effective alternatives to conventional banking channels.
In recent months, PhotonPay has expanded its service offerings and enhanced its compliance capabilities. The company has obtained licenses in multiple jurisdictions, including Hong Kong, the United States, and Dubai, strengthening its position as a regulated global payment provider. No significant negative developments have been reported during this period.
Over the past six months (2026-03-01 to 2026-09-01), PhotonPay has achieved several strategic milestones. In March 2026, it obtained the Hong Kong TCSP license and SFC licenses (Type 1, 4, 9), enabling securities dealing, advisory, and asset management services. In May, it completed the first live agentic payment with Mastercard, where an AI agent autonomously executed a real-world transaction. In late April, it launched a dual-rail recurring billing solution (fiat + stablecoin) and a multi-currency global collections wallet, bridging 30+ currencies and Tier-1 stablecoins. At ChinaJoy in August, it showcased its next-gen financial OS for digital entertainment. Looking ahead, PhotonPay's roadmap focuses on building a unified programmable financial layer, deepening AI-native financial intelligence (risk engines, 24/7 support), expanding agentic payment infrastructure, and strengthening global compliance frameworks. The company aims to evolve from a payments processor into a comprehensive financial operating system for the agentic economy.
PhotonPay's core leadership includes founder and CEO Lewison Chen (Chen Min), who previously worked at Baidu as a technical architect for overseas payment systems and later served at iPayLinks, VIP.com, and Lufax. The company does not publicly disclose a complete list of co-founders or other current executives on its official website or social media channels. Only the CEO's background is reliably documented.