Performa Expands Finance Platform for SMBs with Non-Custodial Support and Fiat Settlement
Performa, a finance operations platform for digital-native small and medium businesses, has marked its first year live with a significant platform expansion. The July 31 update introduces non-custodial wallet support, fiat settlement, and a streamlined self-service onboarding process, broadening its initial focus on digital asset payments and OTC access into a more comprehensive financial infrastructure layer.
The upgrade allows businesses to receive payments, settle in fiat, send payouts, and monitor treasury flows from a single workspace. Companies can now register directly on the Performa website, complete a simplified first-level verification, and connect a Web3 wallet to begin using entry-level features like invoicing and payment links without moving funds into custody. Full platform access, including higher limits, fiat settlement, mass payouts, and API integrations, becomes available after completing full Know Your Business (KYB) verification.
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Addressing SMB Cross-Border Payment Frictions
The platform update arrives as cross-border payments remain a persistent challenge for smaller businesses. Visa research cited by Performa indicates that 75% of SMBs expect their cross-border payment volumes to increase over the next year. However, the same research notes that 32% of SMBs cite high fees, opaque FX costs, manual reconciliation, and a lack of visibility across systems as significant obstacles.
Performa’s core services now span four main areas: receiving payments via custodial or non-custodial methods, sending bulk payouts through CSV uploads, exchanging between fiat and digital assets with access to vetted OTC partners, and managing finances through a unified dashboard for wallet monitoring and treasury visibility. The platform supports over 100 digital currencies, funding in USDT or 20+ fiat currencies via SWIFT/SEPA, and payouts to more than 170 countries.
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Expanding Pricing and Infrastructure
Alongside the new features, Performa is introducing a more flexible, task-based pricing structure. The company states this will offer product-specific fees and custom terms for higher-volume clients, moving away from a one-size-fits-all model.
The shift toward a hybrid custodial and non-custodial model reflects a broader trend in the crypto-finance sector, where businesses increasingly seek control over their assets without sacrificing the convenience of integrated financial tools. By allowing companies to start with basic functionality and scale to full KYB verification as their needs grow, Performa aims to lower the barrier to entry for SMBs exploring digital asset operations.
For businesses evaluating this space, the practical takeaway is that platforms are maturing beyond simple payment rails. The addition of fiat settlement and non-custodial options suggests a move toward more integrated treasury management tools that can handle both traditional and digital currencies. The coming months will likely show whether this approach gains traction among SMBs seeking to streamline their financial operations across asset classes.
