What is Anyflo? A multi-chain stablecoin payment infrastructure for businesses

Stablecoins open up new ways to transfer money across borders, but businesses still have to deal with differences between blockchains, liquidity, and compliance requirements. Anyflo develops a payment orchestration layer to simplify sending, receiving, and settling through an API. So, what makes Anyflo special? Let’s explore the multi-chain stablecoin payment infrastructure for businesses acquired by Mysten Labs in the article below!

What is Anyflo? A multi-chain stablecoin payment infrastructure for businesses

What is Anyflo?

Anyflo is a payment infrastructure platform for businesses that uses stablecoins to facilitate cross-border money transfers. The Anyflo Pay product provides an application programming interface (API), allowing customers to integrate payments without having to build their own routing processes and manage liquidity on each blockchain.

Anyflo's homepage

Customers include fintech companies, digital banks, e-commerce, and payroll businesses. Incubated at Mysten Labs, Anyflo serves multiple blockchains instead of just Sui. The project is currently in testing with selected partners and customers and is not yet a widely available service.

What makes Anyflo special?

Anyflo uses an intent-based payment architecture. The application describes the assets the sender is using and the stablecoin the recipient wants to receive, rather than specifying each step of the conversion or blockchain bridge.

Liquidity providers, called solvers, compete to fulfill requests. With the in command, the input amount is fixed, and solvers compete on the output amount. With the out command, the amount the recipient needs to receive is fixed, and solvers compete on the input asset amount.

Solvers use stablecoins available on the target network to pay, reducing the need to operate a bridge themselves. In return, payments depend on liquidity and the capabilities of the solvers.

The solver network requires licensing, legal vetting, and agreements with liquidity providers, and is not open to all wallet addresses.

Architecture and operation of Anyflo

Payment processing workflow

Payment processing workflow

Each Order records the sender's address, recipient's address, source blockchain, target blockchain, and payment asset. The process consists of three stages:

- Create intent: The application sends a command via the API. The orchestrator checks compliance conditions and fees before forwarding the request to the solver network.

- Select performer: The Solver Hub collects quotes within a 1.5-second bidding window. The selected solver must confirm receipt of the order before the sender makes the payment. If they do not confirm in time, the system tries the next bidder; if there are no candidates left, the order expires.

- Settlement: The sender transfers assets on the source network according to the signed payment instructions. Once the transaction is confirmed, the solver transfers the assets to the recipient on the target network. The indexer confirms the transaction receipt and updates the order to delivered.

The 1.5-second bidding window is not the total time to complete the payment. The actual speed also depends on blockchain confirmations, liquidity, and compliance checks.

The principal amount goes directly from the sender's wallet or the fiat currency conversion unit to the liquidity provider, and then to the recipient. Anyflo does not hold the principal amount, customer private keys, or collateral assets for the order.

Banking and fiat currency processes can still use custodial partners. If the money has been transferred to the provider, the return depends on their terms.

Integration tools

The Payment SDK in TypeScript prepares transactions and checks the signature of payment instructions. The SDK does not hold the private key; the application provides the signing component.

Features of Anyflo

- Send and receive payments: Supports payment flows for suppliers, collaborators, and receiving funds from verified senders.

- Integrated payments: Aiming to incorporate stablecoins into checkout, payroll, and payments to sellers on the commerce platform.

- Multi-chain coordination: Allows applications to describe source and destination assets without having to build each payment route.

- Compliance control: Combines transaction screening, wallet address checks, and sanction lists. Customers remain primarily responsible for their identity verification and legal obligations.

- Tracking and reconciliation: Provides order status, transaction data, and reporting tools for payment management.

Supported Stablecoins and Blockchains

USDsui is only recognized as supported on Sui. The list above does not imply that all stablecoins are available on every chain.

Anyflo Token

Currently, the project has not announced detailed information about its own token or Anyflo's tokenomics. The supported stablecoins are payment assets, not project governance tokens. Coin68 will update as soon as more information is available.

Anyflo Development Roadmap

- October 2026: Public launch and entry into private alpha, along with a system preview and onboarding liquidity providers.

- Q1 2027: Expected beta rollout according to the launch announcement. The homepage also aims for full service availability during this phase.

Anyflo Development Team

The development team of the Anyflo project

- Lola Oyelayo-Pearson (Founder and CEO): Formerly in charge of Commerce & Consumer Product at Mysten Labs, and led teams at Shopify Money and Capital One UK.

- Robert Zaremba (Co-founder and CTO): Co-founder of Native, a Bitcoin lending platform on Sui; previously co-founded WATT3 and led teams at SIX.

Anyflo Investors and Funding

Investors in the Anyflo project

On October 8, 2026, Mysten Labs invested 1 million USD in Anyflo, in addition to its role as an incubator.

Conclusion

From the article above by Coin68, it can be seen that Anyflo is building a stablecoin payment coordination layer, combining intent models and solver networks to reduce the multi-chain integration burden for businesses. However, the project is still in the testing phase. When assessing usability, businesses need to examine the scope of actual deployment, costs, and responsibilities of the parties involved, rather than relying solely on instant payment messaging.

Note: The content above is for informational purposes only and does not constitute investment advice. Readers should conduct their own research and assess risks before making decisions related to digital assets.