Banxa is a global financial technology company specializing in payment processing. Its services provide interconnectivity between the traditional financial (TradFi) system and the digital asset economy. It currently processes more than $10 billion in payments annually for a wide range of clients including Visa, MasterCard, Kraken, and dozens more.
The company’s core service suite offers solutions for the facilitation of fiat-to-crypto and crypto-to-fiat conversions allowing businesses to accept and process cryptocurrency payments while enabling users to purchase digital assets. This allows for the seamless integration of cryptocurrency payments, trading, and compliance solutions enabling one-stop global expansion into more than 150 countries serviced and unlocking new revenue streams for businesses.
Banxa also provides robust compliance tools, including know your customer (KYC) and anti money-laundering (AML) solutions with more than 45 licenses. It also offers trading and wallet infrastructure through APIs and SDKs, enabling businesses to integrate cryptocurrency buying, selling, and holding functionalities directly into their own platforms via the Hedera blockchain.
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The eftpos solution by Australian Payments Plus provides a cost effective, secure and flexible payment infrastructure for Australian businesses. It supports real time debit transactions, tap to pay on mobile devices, eftpos QR payments and least cost routing, which allows merchants to automatically direct debit transactions through the lowest cost network to help reduce the cost of acceptance.
Australian Payments Plus has worked with Google to enable least cost routing in Google Wallet, with ANZ and Suncorp the first issuers to offer this capability. It is also partnering with Giesecke and Devrient to develop eftpos Click to Pay with integrated least cost routing, an online checkout service that uses tokenisation to protect card credentials and is scheduled for rollout from early 2026 following pilot trials.
These developments enhance payment efficiency, improve security, support domestic data sovereignty and align with Reserve Bank of Australia findings that least cost routing can materially reduce merchant debit acceptance costs.
Sparkle CS is a UK-based technology company developing an "omni-channel" platform to bridge the gap between digital and physical retail commerce. The company's mission is to help businesses unify their e-commerce and in-store operations, enabling them to create a seamless customer experience and leverage real-time data for targeted marketing and loyalty campaigns.
The core of Sparkle's service is its data platform, which integrates with point-of-sale (POS) payments and e-commerce sales platforms. This allows businesses to connect and analyze data from multiple sources, providing a single, unified view of their customers. Key services include the digitization of coupons, the creation of hyper-targeted offers, and real-time analytics for events and retail. The platform is designed to be deployed without requiring costly changes to a business's existing infrastructure.
Sparkle uses the Hedera Consensus Service (HCS) to create a secure and auditable log of all transactions on its platform, including the issuance and redemption of digital coupons and eReceipts.
The Managed Guardian Service (MGS) is a SaaS platform built on the open source Hedera Guardian, designed to simplify the creation, management, and verification of digital emissions and carbon offset tokens. It leverages Hedera’s public ledger to ensure that each digital environmental asset, from carbon credits to Renewable Energy Certificate is auditable, traceable, and reproducible, reducing fraud and enhancing sustainability market integrity.
MGS builds on the Guardian’s Policy Workflow Engine and W3C-backed Web3 integrations, offering flexible onboarding (UI and API), real time indexing, analytics, and full lifecycle oversight for tokenised environmental assets. Operated by Envision Blockchain and supported by the Hedera Foundation and Swirlds Labs, MGS enables organisations to streamline carbon accounting, uphold transparent methodologies, and scale climate solutions securely on Hedera’s fast, low energy network.
Australian Payments Plus (AP+) is the national organization responsible for Australia's core payment infrastructure. It was formed by the merger of three key entities: BPAY Group, the operator of the ubiquitous BPAY bill payment service; eftpos, the national debit card system for point-of-sale transactions; and NPP Australia, which runs the New Payments Platform (NPP). In its infrastructure capacity, AP+ processes over 7.5 billion transactions annually and is central to the daily economic activity of the country.
AP+ is also an active researcher organization that is constantly exploring the capabilities of distributed ledger technology and a member of the Hedera Council.
The relationship with Hedera provides AP+ with a framework for developing and testing new solutions that could one day integrate with or enhance its established portfolio of payment services. This involvement complements its research into other future-focused technologies, including its participation in the Reserve Bank of Australia's CBDC pilot program.