Anyflo

Anyflo is a payment orchestration platform that connects fiat currency and stablecoin payments across supported assets and blockchains through a unified API. Its infrastructure uses intent-based orders and a network of authorized liquidity providers to route payments, manage cross-chain settlement, and integrate compliance and transaction monitoring into business payment workflows.  ^[4]

Overview

Anyflo is a payment orchestration platform that enables businesses to send, receive, and settle fiat currencies and stablecoins through a unified API. Its infrastructure coordinates payments across supported blockchains and assets, using a solver network to route transactions based on pricing and payment requirements without requiring businesses to manage liquidity, bridging, or chain-specific operations directly. The platform supports business payments, supplier disbursements, payroll, marketplace payouts, treasury management, and embedded financial services, with features including foreign exchange routing, transaction monitoring, compliance controls, audit trails, and accounting integrations. Anyflo operates as a non-custodial service, with funds handled through its payment network and partner institutions.  ^{[1] [3] [5]}

Architecture

Anyflo Pay uses an intent-based architecture that separates the desired payment outcome from its execution route. Applications submit orders specifying the source asset, destination asset, and amount; the platform validates them and sends them to a network of authorized solvers through the Solver Hub. The hub communicates with solvers using REST and WebSocket, collects bids during a 1.5-second bidding window, and selects a solver based on the order type: maximizing the destination amount for inbound orders or minimizing the source amount for outbound orders. After the Coordinator completes compliance checks and fee calculations, the selected solver must accept the order before the sender deposits funds on the source blockchain. Once the deposit is confirmed, the solver uses its existing liquidity on the destination chain to deliver funds to the recipient, with the platform monitoring delivery. If a solver does not accept before the deadline, the system can try the next bidder; if no eligible bidders remain, the order expires. The solver network is permissioned and requires legal vetting, compliance checks, and agreements with participating liquidity providers. ^{[3] [9]}