Provider at a glance
- Category
- Stablecoin Settlement
- Official website
- bridge.xyz
Independent rankingchecked How it works
Details
Scored 78 out of 100 under methodology 2026.10.18, from the evidence read in September 2026.
Bridge.xyz
Stablecoin orchestration and FX API
Stablecoin Settlement
#2 Overall
Ranked #2 of 7 stablecoin settlement in the published ranking
78
ChainChoice Score
The ChainChoice Score, shown against 100: published scores run from 41 to 99.- High evidence confidence
Is Bridge.xyz right for you?
Right for you if these matter most
- Published Wholesale Price5/10; the category best is 6
- Whose Licence the Platform Operates Under7/10; the category best is 8
- Settlement Finality and Failure Handling9/10, the category best
Look elsewhere if these come first
- Where the Platform's Float Legally Sits5/10 here; Circle Payments Network scores 7
Not yet tested for your country. Markets it lists: Global.
to test where you can use it.
The rank above is the published one, the same for every reader. Find my best settlement provider shows where it lands for you.
What will Bridge.xyz cost you?
Not priced on this basis
- Payments per month
- 500
- Average payment
- $100
How safe is Bridge.xyz?
- Evidence: verified4 of 4 criteria rest on quoted, sourced receipts. Read September 2026.
- LicenceMiCA (EU): no register record on file here.
- On the registersMiCA: authorised, Bridge Building S.A. (LU, since 2026-06-29). Read 3 November 2026. Open the register
Alternatives to Bridge.xyz
Compare all 4- 1BVNK2 points above · stronger on wholesale price published (6 against 5)80
- 3Circle Payments NetworkLevel on score · stronger on float custody (7 against 5)78
- 4Zero Hash5 points below · stronger on licence perimeter (8 against 7)73
For your setup
Find out if Bridge.xyz fits you
The rank above is the published one — the same for every visitor. Answer the category's questions and this section shows where Bridge.xyz lands for you, which criteria your answers weight up, and which stated needs the record does or does not meet. The published rank stays beside it.
- A few questions
- No account required
- Ranking-blind: no commercial input
- Personalised in under 60 seconds
Find my best settlement providerNothing is inferred from clicks, popularity or commercial value.
Why this rank
Why Bridge.xyz ranks #2
Each strength is read from evidence on a 0–10 ladder and weighted as the published methodology states. The 32 objective points these produce (20.2 here) sit inside the score; availability, friction, trust record and measured data add the rest. Best in this ranking on 1 of 4.
4 published criteria · Σ weight 100
CriterionWeightStrength · 0–10ScoreContrib.MedianBestRankEvidence
305+4.805.07#2/7Loading evidence…
255+4.005.06#2/7Loading evidence…
257+5.607.08#3/7Loading evidence…
209+5.766.09#1/7Loading evidence…
Hairline = best in this ranking · tick = its median · a missing bar is "not scored", never zero
Margin−2behind BVNK, #1
RobustnessOne point from changingacross a one-point change to each of its 4 criterion scores, the re-run scores 76–80 and ranks #1–#3
Evidence4 of 4 scored4 quoted, 4 with a source link
What would move the rank
Each line is the ranking run again with one of Bridge.xyz’s criterion scores changed and every other value held: the smallest whole-point change on that criterion that moves its rank, and where the re-run puts it. Up to 4 climbs and 3 falls are listed, smallest change first. Nothing here is a forecast.
Where the Platform's Float Legally Sits 5 → 6 on its ladder · passes BVNK+180#2 → #1
Published Wholesale Price 5 → 7 on its ladder · passes BVNK+280#2 → #1
Whose Licence the Platform Operates Under 7 → 9 on its ladder · passes BVNK+280#2 → #1
Where the Platform's Float Legally Sits 5 → 4 on its ladder · Circle Payments Network passes it−176#2 → #3
Published Wholesale Price 5 → 4 on its ladder · Circle Payments Network passes it−177#2 → #3
Whose Licence the Platform Operates Under 7 → 6 on its ladder · Circle Payments Network passes it−177#2 → #3
Smallest climb: where the Platform's Float Legally Sits 5 → 6 passes BVNK, #1.
Strengths
3 from the score dataWhere it leads
Best for readers who weight
- Published Wholesale Price — 5/10, category best 6/10
- Whose Licence the Platform Operates Under — 7/10, category best 8/10
- Settlement Finality and Failure Handling — 9/10, the category best
Tradeoffs
1 from the score dataWhere it trails
Not for readers who put first
- Where the Platform's Float Legally Sits — 5/10 against a category best of 7/10
Record watch-outs
- The float is the thing to read before signing, and the disclosure quality is inverted from what a platform would assume. For money Bridge holds as a stablecoin ISSUER, it names custodians in public — Lead Bank, BlackRock, Fidelity, Superstate USTB and BUIDL on the reserve-management page. For the platform's OWN settlement balance, there is no equivalent page. In the US the terms name no bank at all, say funds are "not protected by the Federal Deposit Insurance Corporation ("FDIC") or SIPC, or any other insurance", and provide that "title to those funds transfers to Bridge upon receipt" — and the Exhibit E that is supposed to contain the Financial Partner Agreements is simply missing from the published terms, in the RoW terms as well as the US ones (both promise Exhibit E; both stop at Exhibit D). Lead Bank is named on roughly a dozen documentation pages, including a prose FAQ that gives two routing numbers — "The correct routing numbers for Lead Bank are 101019644 for virtual accounts and 101206101 for most memo-based payments" — and the Cards sandbox guide instructing developers to "surface the Lead Bank terms to the cardholder". What matters: Lead Bank is identifiable from operational docs but appears in no custody, safeguarding or insolvency disclosure and in none of the three sets of user terms. In the EEA the answer is worse than it first looks: an omnibus "Master Account in our name held at Banking Circle" that is expressly outside the FGDL deposit guarantee, that the same terms say "may be frozen, blocked, or seized, in whole or in part, without prior notice" on an opposition filed by "our third-party creditors", holding funds whose title has already "transferred to Bridge upon receipt", with stablecoins that "are not safeguarded as set out in the PSL Law". Only the digital-asset custody leg carries a genuine insolvency promise. No dated attestation or audit of platform balances is published for any jurisdiction. A platform parking eight figures of prefunded liquidity should price that as an unsecured exposure to Bridge unless its negotiated contract says otherwise.
Competitive position
Where Bridge.xyz leads and where it trails
Rank on every objective dimension among the rows scored on it. A criterion in the top third of its pool is listed as a lead, the bottom third as a trail; the middle is neither. Popularity, size and commercial terms are not dimensions.
Availability#1 / 714.0 of 20 · constant here
Published criteria#2 / 715.1 of 30 · best 15.8
Friction#1 / 72.7 of 10 · constant here
Trust record#1 / 73.2 of 8 · constant here
Measured data#1 / 79.7 of 18 · pool best
Where Bridge.xyz leads
- Where the Platform's Float Legally Sits#2 / 7
- Published Wholesale Price#2 / 7
- Whose Licence the Platform Operates Under#3 / 7
- Settlement Finality and Failure Handling#1 / 7
Where it trailsNo criterion in the bottom third of its pool.
Closest alternatives
The 3 nearest rows by score
Nearest by published score in either direction. Each card states the criteria on which the two rows differ and the cost difference under the same scenario inputs; the compare arithmetic below shows why the higher one ranks higher.
Circle Payments Network#3 of 7 · score 78 · same score
Bridge.xyz leads on
- Settlement Finality and Failure Handling9 vs 6
Circle Payments Network leads on
- Where the Platform's Float Legally Sits7 vs 5
Scenario cost: Circle Payments Network has no verified pricing for this scenario.
BVNK#1 of 7 · score 80 · 2.0 points ahead
Bridge.xyz leads on
- Settlement Finality and Failure Handling9 vs 8
BVNK leads on
- Published Wholesale Price6 vs 5
- Whose Licence the Platform Operates Under8 vs 7
Largest single reason BVNK is ahead: published criteria (+1.8 display points).Scenario cost: BVNK has no verified pricing for this scenario.
Zero Hash#4 of 7 · score 73 · 5.0 points behind
Bridge.xyz leads on
- Where the Platform's Float Legally Sits5 vs 4
- Published Wholesale Price5 vs 4
- Settlement Finality and Failure Handling9 vs 6
Zero Hash leads on
- Whose Licence the Platform Operates Under8 vs 7
Largest single reason Bridge.xyz is ahead: published criteria (+5.5 display points).Scenario cost: Zero Hash has no verified pricing for this scenario.
Against the leader
80 vs 78 · gap 2.0Why BVNK ranks above Bridge.xyz
The compare workspace's arithmetic applied to these two rows. Each dimension's share of the gap is its weight × the difference, on the displayed scale — it reproduces the displayed gap of 2.0 to within rounding.
DimensionThisBVNKGap share
Availability · 23% weight · constant here14.014.0same
Published criteria · 35% weight15.115.8−1.8, worse
Friction · 12% weight · constant here2.72.7same
Trust record · 9% weight · constant here3.23.2same
Measured data · 21% weight9.79.7same
Published criterionThisBVNKPoints
Published Wholesale Price · w2556−0.80, worse
Whose Licence the Platform Operates Under · w2578−0.80, worse
Settlement Finality and Failure Handling · w2098+0.64, better
Net7880−2.0
Your scenario
Bridge.xyz is not priced for this scenario
Percentage and fixed legs on each payment, for a year. Excludes chargebacks, FX markup and settlement fees priced separately. Change an input and every figure recomputes from the published rate; the published rank does not move.
your cost/yr · default scenario — set your own
Payments per month · your input500
Average payment · your input$100
Rate read from the provider’s published pricing ↗ on 28 September 2026.
your cost/yrCost is stated as your cost/yr in USD; it is never a yield, never annualised, and it does not enter the score.
Not priced on this basis
Under the default inputs · USDCategory medianNot priced0 of 7 rows priced
Cheapest pricedNone pricedDifference not stated · availability not applied — set your country to filter
7 of 7 rows in this ranking have no verified rate for this scenario and are absent from the median, not counted as free.
Evidence
Evidence read 28 September 2026
One row per published criterion: the page each strength was read from, its source type by domain, the reading date and whether the file and the published table agree. Open a row for the quote and the receipt.
4 of 4 cells scored
Score evidenceVerified4 of 4 criteria reconstruct from receipts
4 of 4 criteria reconstruct from a quoted, sourced receipt equal to the published strength.Public receiptsReading…4 quoted with a source URL
The receipt file has not been read yet.Evidence confidenceHighcoverage and corroboration, never freshness
4/4 criteria scored, with 4 dated sources quoted.RobustnessOne point from changingrank #1 to #3 across one-point re-runs
Whether the position holds when one criterion score is changed by one point and the ranking is run again. It is always a re-run of the ranking, never an estimate.The newest evidence read on the platform is 3 November 2026; this category's reading is older. The scores stand as read on 28 September 2026.
Reading the evidence ledger…
CriterionSourceTypeReadFreshnessStatusReceipt
Where the Platform's Float Legally Sitsstrength 5 · weight 30Report an error—28 September 2026*
Unknown
No reading date is recorded for this cell or its category.No receipt
A strength is published but no quote or source page is on file for it.Published Wholesale Pricestrength 5 · weight 25Report an error—28 September 2026*
Unknown
No reading date is recorded for this cell or its category.No receipt
A strength is published but no quote or source page is on file for it.Whose Licence the Platform Operates Understrength 7 · weight 25Report an error—28 September 2026*
Unknown
No reading date is recorded for this cell or its category.No receipt
A strength is published but no quote or source page is on file for it.Settlement Finality and Failure Handlingstrength 9 · weight 20Report an error—28 September 2026*
Unknown
No reading date is recorded for this cell or its category.No receipt
A strength is published but no quote or source page is on file for it.How you can lose money here, and what the ranking scores
- Custody failure (Bridge.xyz 5/10): whoever holds the assets loses or withholds them.Scored by Where the Platform's Float Legally Sits · 30%
- Regulatory failure (Bridge.xyz 7/10): no licence where you are, or a forced market exit.Scored by Whose Licence the Platform Operates Under · 25%
- Execution failure (Bridge.xyz 9/10): you get a worse price, later, or nothing.Scored by Settlement Finality and Failure Handling · 20%
Not assessed by this ranking: Control failure, Liveness failure, Insolvency failure, Exit failure, Information failure. A high place says nothing about these; the Methodology tab says what each means. Also scored, as cost, quality or a summary of several families: Published Wholesale Price (25%).
Facts
facts, not scoresWhat the record publishes
- Pricing
- No wholesale rate card is published. The docs pricing page (https://
apidocs .bridge .xyz /platform /additional-information /pricing, fetched 28 September 2026, HTTP 200) contains only: "Please reach out to sales@bridge.xyz to discuss pricing." https:// www .bridge .xyz /pricing returns HTTP 404 (fetched 28 September 2026). The one standing figure on any Bridge surface is the end-user Fee Disclosure Statement (https:// www .bridge .xyz /legal /fee-disclosure-statement /overview, fetched 28 September 2026, HTTP 200): "All transactions that necessitate a currency conversion (i.e., denomination in one fiat currency to another), your transaction will be charged a currency spread on top of the actual exchange rate up to 1% of the transaction’s fiat value, which may vary based on transaction." The same page adds: "Please note, the exchange rate shown in the receipt is truncated from the actual exchange rate used in processing the conversion." and, on gas: "Bridge has no control over these networks nor their Gas Fees, which we pass through to you at cost." It also names, but does not price, a third fee type: "If any of our Partners through which you obtain the Bridge Services opt to levy a fee for the services they provide through our platform, it will be referred to as a Service Charge." The Exchange Rates API reference (https:// apidocs .bridge .xyz /api-reference /exchange-rates /get-current-exchange-rate-between-two-currencies, fetched 28 September 2026) documents buy_rate as "The rate for buying the target currency, including Bridge's fee.", so Bridge's charge sits inside the quoted FX rate; the schema's example values are illustrative, not a published rate, and are not scored. NOTED SEPARATELY AND NOT SCORED (beta pricing): the changelog entry dated 08/17/2026 for FedNow offramps (https:// apidocs .bridge .xyz /changelog /changelog, fetched 28 September 2026) states "Pricing is $0.50 per transfer for existing developers and $1.00 for new developers" for a product the same entry describes as in "a beta phase"; the processing-windows page still lists FedNow offramps as beta and invitation-only on 28 September 2026. The developer-fees page (https:// apidocs .bridge .xyz /platform /orchestration /fees-and-mins /devfees) governs the PLATFORM'S OWN charge to its users, not Bridge's price: "Bridge allows developers to collect custom, per-transaction fees from their users."Bridge.xyz — official pricing page ↗ · 28 September 2026 - Prices published in
- USDBridge.xyz — official pricing page ↗ · 28 September 2026
- Licences held
- European Union: Registration / authorisation, United States: Registration / authorisation
- Compliance level
- full
- Regulatory note
- US — Bridge Building Inc, NMLS # 2450917, FinCEN-registered MSB (asserted in the US terms at https://
www .bridge .xyz /legal /us-terms /bridge-building-inc, "Last updated May 5, 2026": "Bridge is registered with the U.S. Department of Treasury Financial Crimes Enforcement Network ("FinCEN") as a money services business"). - Supported chains
- Aptos, Arbitrum, Avalanche C-Chain, Base, Celo, Ethereum, HyperEVM, Linea, Monad, Optimism, Plasma, Polygon, Solana, Stellar, Sui, Tempo, Tron, World Chain, XDC, Stablecoins: USDC, USDT, USDB, USDG, USDP, PYUSD, EURC, PATHUSD, USDCBL, USDSUI, CASH (CASH appears on Solana across every route table on the payment-routes page), Fiat rails: ACH and Same Day ACH, Wire, FedNow (USD); SEPA Instant and SEPA Credit (EUR); SPEI (MXN); Pix (BRL); Faster Payments (GBP); Bre-B and Bank Transfer (COP), Note: per the payment-routes page, "USDC & EURC are the only stablecoins supported for users in the EEA due to regulatory restrictions", Note: the 19 chains above come from the payment-routes route tables; the marketing page understates them as "10+ blockchains"
- Markets served
- global
- Primary markets
- Not published
- Restricted markets
- Not published
- Operating limits
- Not published
- Availability note
- Not published
Legal entity on file: Bridge (Stripe), placed in 2 products. Only confirmed entities are shown; nothing is inferred from the brand name.
If something goes wrong with Bridge.xyz: where to complain, and where to report a scam
Loading the routes for your country.
How this page is reviewed
Reviewed means this product in this category was read against its sources on or after that date; every ranked category is re-read at least every 45 days. Models research, extract and parse. A deterministic engine ranks. Every quote passes an adversarial refute pass.
Accountable for this review: Mathias Siemonsmeier, Founder.
How we review · Review calendar · Corrections log · How we make money
History
What the record carries
Changes to published ranks are recorded in a ledger; every step and its cause is listed on the rank-history page. The entries below begin with the current verified snapshot, then the methodology versions whose changes applied to this category, newest first.
9 methodology entries
- 28 September 2026Current verified snapshot · methodology 2026.10.18Score 78, #2 of 7. 4 of 4 criteria scored. History starts here; earlier values are not interpolated.
- 10 October 2026
2026.10.8When nothing serves your country, the list shown for reference is the published ranking · platform-wide- fixed The reference list shown when nothing serves your country is the published order with the published scores, and a build check now fails any such list out of that order or with a score the ranking does not publish.
- fixed The explorer prints an overall rank only for a row the published ranking holds; a country entrant such as Coinbase Commerce for US merchants shows no overall rank.
- changed Published orders do not move. Country results change only where nothing serves the country: in India bill pay keeps Bitcoin Well first and now shows Strike second, as published; 35 such runs across all categories and countries now match the published list exactly.
- 10 October 2026
2026.10.6A criterion you require re-scores the rows that meet it · platform-wide- changed The explorer sends each criterion you require, at any band, as fit_required with your other answers; region, licence, chain and fact filters stay filters. On /best, a required criterion joins For you as a marked preference does, which needs your country; Overall stays the published ranking, filtered.
- added Every published criterion has a golden case as the explorer sends it (require:<criterion>), so the order a requirement gives is replayed and gated as the published order is, and a change to it needs an entry here.
- 16 September 2026
2026.09.15Dimension scores carry tenths, and eleven more categories are re-read from primary sources · platform-wide- changed Dimension scores resolve to tenths of a point (O-04b), and weightedTotal is rounded to six decimal places before the order is read. 518 published scores move across 107 categories that were not re-read; none of them moves by more than 4 points, and most move by 1.
- fixed 66 published scores change in the eleven re-read categories, against a verbatim source each. The largest moves are Reflexer RAI (−16), Beefy and Unrekt (−11), Aztec (−10) and Golem (+9) — all of them rows whose sources had moved since their last read.
- changed Published order moves in 38 of 119 categories and three #1s change: smart_contract_audits (Zellic → Certora) and travel_rule_compliance (Sumsub Travel Rule → CodeVASP) on the finer resolution, kyc_compliance (Veriff → Sumsub) on the re-read.
- added availabilitySource (O-04g): for a reader who states a country, a row whose availability in that country rests on a region tag its record gives no source for sorts below every sourced row. It is inert in every order published here, which states no country.
Methodology 2026.10.18, the same published run every visitor sees · receipt stablecoin_settlement:bridge-xyz:2026.10.18:b07adeeb0de1
Are you Bridge.xyz? Reply to this verdict, or send evidence, ask for a correction or claim the listing. Every message gets a public ticket number; none of it changes a rank unless a public page or a signed statement supports it.