In the current global financial system, large cross-border transfers still suffer from the issues of "slow settlement, high fees, and complex processes." A startup named FIN is leveraging stablecoins to directly address this pain point, attempting to reshape the industry status quo.
Founded by two former Citadel employees, FIN is not playing small on the fringes but is building a large-value payment rail through stablecoin technology, aiming to provide enterprises and high-net-worth individuals with an instant and efficient cross-border transfer experience.
In early December 2025, FIN announced the completion of a $17 million financing round, led by Pantera Capital, with participation from Sequoia and Samsung Next. The endorsement from investors highlights its track potential.
So, what kind of product is FIN? What is its background? How will it be implemented in the future? This article will take you on a deep dive to find out.
Many people's first impression of this team stems from its predecessor, TipLink—a lightweight tool that supports the transfer of encrypted assets via URL links, supports the Solana network, and is feeless.
However, under the new name FIN, the focus has been elevated to be a "global payment app challenging traditional banks," catering to the multimillion-dollar transfer needs of users and businesses, supporting transfers to other FIN users, direct deposits into bank accounts, or circulation through cryptocurrency channels and other diverse scenarios.
When interviewed by Fortune Magazine, FIN CEO Ian Krotinsky explicitly stated that the company's core goal is to build the "future of payment applications": fully leveraging the technological advantages of stablecoins while eliminating their complex professional barriers, achieving barrier-free global use.
This positioning aligns perfectly with the current trend in the stablecoin race.
One of FIN's core competitive advantages lies in the hardcore background of its founding team.
· FIN Co-Founder and CEO Ian Krotinsky: Before founding the project in 2022, he served as a quantitative investment portfolio manager and trader at a top hedge fund Citadel from 2016 to 2022, and previously worked as a programmatic trader at Goldman Sachs.
· FIN 聯合創始人和 CTO Aashiq Dheeraj：曾在 2018 年至 2022 年在 Citadel Securities 擔任量化研究員。
根據《財富》雜誌，兩人在 Citadel 共事期間，經常利用晚上和週末時間開發各種駭客項目，其中包括一個類似 Reddit 的平台，用戶如果能讓他們帖子能登上首頁，就能獲得 50 美元的獎勵。正是這段經歷讓他們深刻體會到傳統跨境轉帳的低效與高成本，最終決定借助區塊鏈技術解決這一行業痛點。
根據 FIN 官網，該團隊成員還有谷歌、Meta、Uber、美國頭部數位銀行 Chime 等公司背景。
早在 2023 年 2 月份，TipLink 就完成 600 萬美元種子輪融資，紅杉資本和 Multicoin Capital 領投，參投方包括 Solana Ventures、Circle Ventures、Paxos 等。
接近 3 年後，FIN 在 2025 年 12 月 3 日宣布完成 1700 萬美元A輪融資，Pantera Capital 領投，紅杉資本（Sequoia Capital）和三星旗下投資部門 Samsung Next 參投。Helius CEO Mert、Stripe 旗下穩定幣基礎設施公司 Bridge CEO Zach Abrams、Ellipsis Labs 聯合創始人 Jarry Xiao、Tensor 聯合創始人 Richard Wu 等多位行業資深人士以天使投資人身份加入。
如前所述，FIN 前身為 TipLink。TipLink 是一個輕量級錢包，最大的創新點是鏈接本身就是非託管錢包，當前僅支持 Solana 網路，且不收取任何費用。
TipLink 已構建起成熟的輕量化支付生態：
· 普通用戶可通過 Web3 錢包或谷歌帳戶登入，創建 TipLink 後通過短信、Discord、郵件等任意平台分享，接收方用 Gmail 登入即可自動啟動錢包，實現資產持有、轉移或二次分發；
· 企業級產品 TipLink Pro 支援通過單一控制面板分發代幣或 NFT 資產；
· 面向開發者的 TipLink Wallet Adapter 支援快速整合錢包功能，使用者僅憑 Google 帳號即可完成交易簽署。
重塑後的 FIN 雖未披露全部細節，但已明確五大核心運行邏輯：
· 以穩定幣 USDC 為底座：FIN 支援利用 USDC 美元穩定幣作為結算媒介。Circle 聯合創始人兼首席執行官 Jeremy Allaire 針對 FIN 發布的一
