Ivy vs Yapily

Ivy and Yapily are both payments infrastructure providers supporting real-time, compliant payment flows for businesses. Yapily focuses on open banking payments and account information services. Its platform supports instant and recurring payments, fraud prevention, and white-labelling, with connectivity across thousands of banks in Europe. Yapily is used across the financial services, PropTech, and iGaming industries that rely on open banking APIs for payment initiation and account connectivity.

In contrast, Ivy supports instant payments, manual bank transfers, multi-currency accounts, end-user virtual IBANs, and both fiat and stablecoin settlement and payouts. These services are delivered through a single platform, allowing businesses to manage collections, settlements, treasury, and payouts within one infrastructure layer rather than integrating multiple providers. By combining payments, settlements, compliance, and treasury under one integration, Ivy aligns with the operational and regulatory needs commonly seen in crypto, trading, and PSP businesses.

Use Ivy if you

• Build or operate crypto exchanges, onramps, or digital asset platforms

• Need fiat and stablecoin settlement, virtual IBANs, and stablecoin payouts alongside open banking payments

Use Yapily if you

• Focus on open banking payment initiation and account information services

• Build products that rely on bank-based payment flows across European banks

• Want a white-labelled open banking API with connectivity to thousands of banks in Europe