该公司宣布，已在由区块链资本（Blockchain Capital）领投的C轮融资中筹集4000万美元。区块链资本是Coinbase、Circle和Kraken的投资者。
has announced it has raised $40 million in a Series C funding round anchored by Blockchain Capital an investor in Coinbase, Circle, and Kraken.
本轮融资还获得了日本SBI集团以及老股东IDG Capital、GL Ventures和Lightspeed Faction的支持，PhotonPay正在扩展其面向稳定币的支付基础设施。
The round was also backed by Japan’s SBI Group and existing investors IDG Capital, GL Ventures, and Lightspeed Faction, as PhotonPay expands its stablecoin-focused payments infrastructure.
PhotonPay表示，这笔资金将用于多资产钱包、全球卡片发行、本地清算基础设施以及面向AI代理的支付服务。
The proceeds will fund multi-asset wallets, global card issuing, local clearing infrastructure, and payment services for AI agents, PhotonPay said.
“跨境资金秒级到账意义不大，如果这些资金仍需数天才能投入使用，”PhotonPay创始人兼首席执行官刘易斯·陈（Lewison Chen）表示。
“Moving money across borders in seconds means little if it still takes days to put that capital to work,” said Lewison Chen, founder and chief executive of PhotonPay.
PhotonPay成立于2015年的香港，通过应用程序编程接口提供支付基础设施，使企业和技术平台能够将金融服务集成到自身产品中。
Founded in Hong Kong in 2015, PhotonPay provides payment infrastructure through application programming interfaces that allow businesses and technology platforms to integrate financial services into their own products.
其网络使客户能够在17个市场开设本地收款账户，接收超过60种货币的资金，并通过超过100条支付渠道进行付款。
Its network enables customers to open local collection accounts in 17 markets, receive funds in more than 60 currencies, and make payouts through more than 100 payment routes.
PhotonPay表示，截至2026年8月，其年化交易量已达到650亿美元。
As of August 2026, PhotonPay said its annualised transaction volume had reached $65 billion.
该公司表示，其服务覆盖200多个国家和地区的超过20万家企业客户，并在美洲、欧洲和亚洲持有34项支付和金融牌照及监管授权。
The company said it serves more than 200,000 business customers across over 200 countries and territories and holds 34 payment and financial licences and regulatory authorisations across the Americas, Europe, and Asia.
该公司表示，约97%的付款交易在数小时内或当天到达收款人，其中68%实时到账。
The company said about 97% of its payout transactions reach recipients within hours or on the same day, with 68% arriving in real time.
在公告前的12个月内，该公司发行了440万张卡片，较一年前增长275%。
It issued 4.4 million cards in the 12 months leading up to the announcement, an increase of 275% from a year earlier.
PhotonPay表示，它还在开发支持AI驱动金融交易的基础设施，因为企业正在探索使用自主软件来管理支付及其他运营任务。
PhotonPay said it is also developing infrastructure to support AI-driven financial transactions, as businesses explore the use of autonomous software to manage payments and other operational tasks.
2026年5月，该公司与万事达卡（Mastercard）完成了一次使用代币化PhotonPay卡片在现有全球卡片网络上进行AI发起支付的现场演示。
In May 2026, the company and Mastercard completed a live demonstration of an AI-initiated payment using a tokenised PhotonPay card across existing global card networks.
然而，人工智能赋能的金融服务扩张将取决于底层银行关系、监管批准和支付基础设施，而非仅靠软件。
However, the expansion of AI-enabled financial services will depend on underlying banking relationships, regulatory approvals and payment infrastructure, rather than software alone.
“建立本地金融能力需要多年的投资、机构合作伙伴关系和监管参与。仅靠软件或人工智能模型无法复制这种深度，”PhotonPay首席合规官JP Pi表示。
“Establishing local financial capabilities takes years of investment, institutional partnerships, and regulatory engagement. Software or AI models alone cannot replicate that depth,” said JP Pi, chief compliance officer at PhotonPay.