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Unifold

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Multi-chain deposit and payment infrastructure

Winter 2026Founded 20263 peopleNew York City, NY, USA
Generate ideas β†’
AI insightcan contain mistakes
Multichain Crypto Payments APIUsage-basedCrypto apps, fintech platforms, DeFi protocolsHigh competition
Moat
Multichain abstraction reduces customer complexity; developer-first UX; low switching cost but high lock-in through integration depth.
Key risk
Regulatory crackdowns on crypto; commodity payment processing margins; customer concentration in volatile crypto sector.
Why now
Multichain world emerging; institutional crypto adoption growing; developer tooling gap widening.
Competitors
1inch, Lifi, Across, Magic (payment infrastructure), Stripe Crypto (sunsetting)

About

Launch crypto deposits in minutes. Unifold is a developer-first API + SDK that makes it easy for any app to accept on-chain deposits – across any chain and token – with less than 10 lines of code. We handle the full deposit flow so teams can ship faster and give users a smooth experience that actually works. If you’re building a consumer-facing on-chain product and want best-in-class deposits (or want to support more chains fast), we’d love to work with you.

Founders Β· 3

Timothy Chung
Timothy ChungFounder
ColumbiaπŸŽ“ Cambridge

Co-founder of Unifold (W26), we’re building crypto β†’ stablecoin deposit and payment infrastructure for fintechs and marketplaces. Previously, I co-founded Streambird, a wallet as a service identify platform that was acquired by MoonPay; the product later became MoonPay Wallets. Before Streambird, I worked for Polymarket and Instabase (4th engineer). Studied Computer Science at Columbia & Cambridge

Hau Chu
Hau ChuFounder/Chief Engineer
Cornell

Graduated from Cornell Tech. Building a universal on-chain deposit infrastructure that 1. Easily onboard all customers from all ecosystems to your platform and maximize user/trading volume. 2. Super seamless user/dev experience to use our product with the least amount of crypto knowledge. Unifold handles the complexity for you.

Quang Huynh
Quang HuynhFounder

A full-stack engineer with 15+ years of experience across fintech, healthcare, and web3. Most recently spent 2.5 years at MoonPay building consumer app, wallets and identity SDKs. Previously co-founded a web2/web3 wallets/authentication startup that was acquired after 1.5 years, led mobile engineering at stc pay (Saudi Arabia's first fintech unicorn) serving 3.5M+ customers, and built patient administration software generating ~Β£30M+ revenue for UK healthcare providers.

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