DECTA, a payment technology provider serving banks, merchants and e-money institutions across 32 countries, has selected OpenPayd to modernise its international treasury operations. The arrangement, announced on 11 August 2026, gives DECTA access to OpenPayd’s regulated, rails-agnostic infrastructure for operational settlement, integrated fiat services, over-the-counter conversion and hybrid payment setups designed to improve liquidity management.

Critically, the solution is confined to DECTA’s own proprietary treasury activity. It does not extend to customer-facing crypto or foreign exchange services, a distinction the companies were careful to draw in their announcement and one that matters for how regulators and DECTA’s institutional clients will read the move.

What OpenPayd brings to the table

OpenPayd’s platform combines embedded accounts, domestic and international payments, open banking connectivity and stablecoin on- and off-ramps through a single API. The company reports processing more than $280 billion in annual volumes for over 1,200 businesses, with a client list that includes eToro, Kraken, OKX and B2C2, names that place it firmly in the institutional digital-asset infrastructure segment rather than consumer payments.

Lux Thiagarajah, chief commercial officer at OpenPayd, framed the partnership in terms of a broader institutional shift. “Stablecoins are becoming a practical treasury tool for businesses operating internationally,” she said. “The opportunity extends well beyond digital asset companies. Organisations want faster, more consistent ways to manage liquidity and settle obligations without adding operational complexity.”

Scott Dawson, CEO of DECTA UK, described the selection as a practical infrastructure upgrade rather than a strategic pivot. “As we grow, our treasury operations need to be as modern and scalable as the payment infrastructure we provide to our clients,” he said. “OpenPayd’s infrastructure will allow us to improve speed and resilience while maintaining the strong controls and regulatory discipline that underpin everything we do.”

Market context and regulatory read-across

The partnership reflects a pattern that is becoming recognisable across the payments and banking-as-a-service sector: established payment processors and e-money institutions adopting stablecoin-capable treasury rails for internal settlement, without extending digital-asset access to end customers. This approach lets firms capture the settlement speed and liquidity efficiency that dollar- or euro-denominated stablecoins can offer on certain corridors, while staying clear of the customer-facing obligations that would trigger additional licensing requirements or heightened scrutiny.

In the European context, this matters. The EU’s Markets in Crypto-Assets regulation (MiCA), which became fully applicable in December 2024, imposes distinct requirements on issuers and service providers dealing in asset-referenced tokens and e-money tokens. By limiting use to internal treasury, DECTA and OpenPayd are working within a narrower regulatory perimeter that is better suited to MiCA’s institutional provisions and does not require DECTA to register as a crypto-asset service provider for this activity.

DECTA’s existing infrastructure, built on Mastercard and Visa principal membership and direct integration with UnionPay International, gives it a network that spans traditional card rails as well as local payment methods. The OpenPayd layer sits alongside that stack as a treasury efficiency tool rather than a replacement for existing acquiring or issuing capabilities. The competitive pressure here comes from treasury management platforms and multi-currency banking providers that have similarly begun integrating stablecoin settlement corridors to compete on speed and cost of cross-border fund movement.

The next markers to watch are the currency corridors where DECTA deploys the OpenPayd infrastructure first, the settlement time and cost benchmarks it achieves relative to correspondent banking, and whether the internal-only scope evolves as the MiCA framework beds in and institutional appetite for client-facing digital-asset services grows.

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