One year after going live, Performa has introduced a major platform upgrade that adds a non-custodial layer, fiat settlement, and faster self-service onboarding to its finance operations platform. The company has also rolled out a broader pricing model designed for businesses operating across both digital assets and fiat currencies, advancing its mission to provide an accessible all-in-one platform for digital and fiat operations.

Performa, a finance ops platform tailored for digital-native small and medium-sized businesses (SMBs), initially focused on digital asset payments and over-the-counter (OTC) access. With this upgrade, it expands into a broader infrastructure layer, enabling businesses to receive payments, settle in fiat, send payouts, and manage treasury flows from a single workspace. The move reflects a wider industry pattern in which digital asset payment providers are building fiat connectivity and compliance workflows to serve businesses that operate across both rails but lack the resources of larger enterprises to manage them separately.

New Capabilities

The upgrade introduces several new capabilities. A faster self-service onboarding flow allows companies to register directly on the website, complete a simplified first-level verification process, connect their wallet, and begin using entry-level features such as invoicing and payment links. As their operational needs scale, businesses can complete full Know Your Business (KYB) verification to unlock higher transaction limits and the complete range of custodial services.

Businesses can now leverage both custodial and non-custodial flows. Users can connect their own Web3 wallet within minutes and begin monitoring transactions, creating payment links, and managing invoices without transferring funds into custody. Full platform access — including fiat settlement, mass payouts, OTC access, and API integrations — becomes available after completing KYB.

Core Services

Performa's core service offerings include:

• Receiving Payments: Custodial and now non-custodial digital asset acceptance, payment links, and invoicing.
• Sending Payments: Bulk payouts to teams, contractors, vendors, and partners via CSV upload.
• Exchanging: Fiat on/off-ramp flows and structured access to vetted OTC partners.
• Managing Finances: Wallet monitoring and treasury visibility through a unified dashboard.

The platform supports over 100 digital currencies, funding in USDT or more than 20 fiat currencies via SWIFT and SEPA, payouts to over 170 countries, and local withdrawals in over 140 countries.

Expanded Pricing Model

Performa is also expanding its tariff structure, offering flexible, task-based pricing to accommodate different business needs. The model includes product-specific fees and custom terms for higher-volume clients.

Cross-Border Payment Demand

The upgrade arrives as cross-border payments become an increasingly significant challenge for SMBs. According to Visa research, 75% of SMBs expect their cross-border payment values to grow within the next 12 months. However, 32% of SMBs cite high fees or opaque foreign exchange costs, struggles with manual reconciliation, and a lack of visibility across systems as persistent pain points.

The product is currently live at performa.com.

About Performa

Performa is a finance ops platform for digital-native SMBs that need to manage money movement across digital assets and fiat currencies. The platform consolidates digital asset payments, wallet monitoring, invoicing, treasury flows, exchange, fiat settlement, payouts, revenue splitting, and reconciliation into a single workspace, allowing businesses to manage operations between fiat and digital assets from one operating layer.