Unifold

Multi-chain deposit and payment infrastructure

Winter 2026ActiveFintechPaymentsFintechCrypto / Web3PaymentsCryptocurrencyNew York, NY, USA

Company

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.

Verdict

High Signal

Market Opportunity

Targeting fintech, prediction markets, perp exchanges, DeFi protocols — B2B infrastructure with clear enterprise ICP. The stablecoin payment infrastructure market is multi-billion dollar and accelerating fast in 2025-2026. Developer-first API/SDK with transaction-fee monetization (likely basis points on volume) is a proven fintech monetization model analogous to Stripe.

High Signal

Founder Signal

Timothy Chung co-founded Streambird (wallet-as-a-service), which was acquired by MoonPay and became MoonPay Wallets — a previous exit is a strong signal. He also worked at Polymarket and as 4th engineer at Instabase. Hau Chu spent 1yr 8mos at MoonPay as a Senior Blockchain Engineer shipping DeFi products across 5+ chains with 50k+ daily transactions. Quang Huynh brings 15+ years across fintech/healthcare/web3, led mobile engineering at stc pay (Saudi Arabia's first fintech unicorn serving 3.5M+ users), and co-founded a wallet startup that was acquired. All three have direct, deeply relevant experience building exactly what Unifold is — multi-chain crypto deposit infrastructure.

Medium Signal

Competition

Direct competitors include MoonPay (ironically their former employer), Coinbase Commerce, Transak, and Alchemy Pay in the crypto payment infrastructure space. Cross-chain deposit abstraction with gas sponsorship and compliance built-in is a meaningful differentiator. However, this space is getting crowded with well-funded players and the core functionality could be absorbed by large CEX infrastructure providers.

Medium Signal

Product

Live website with SDK code examples, API docs, pricing page, and product screenshots showing a functional deposit UI. However, the CTA is still 'Join the waitlist' and 'private beta,' with no named customers, revenue figures, or testimonials. The product appears real and shippable but pre-revenue.

OverallA Tier

This is an unusually strong team for early-stage crypto infra: all three founders built directly relevant products at MoonPay, Timothy has a prior acquisition (Streambird → MoonPay), and Quang brings rare enterprise-scale fintech execution experience. The product is coherent, has real docs and SDK, and targets a genuinely large market with proven B2B monetization mechanics. The main risk is pre-revenue waitlist status and a competitive moat that depends on execution speed — MoonPay, Coinbase, and Alchemy could expand into this exact layer. The founding team's insider knowledge of the MoonPay stack and crypto payment infrastructure gives them a credible head start, but they need to close enterprise customers fast before incumbents catch up.

Active Founders

Hau Chu

Founder/Chief Engineer

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.

Timothy Chung

Founder

Co-founder of Unifold (W26), we’re building crypto → 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

Quang Huynh

Founder

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 ~£30M+ revenue for UK healthcare providers.

Unifold

TierA Tier

BatchWinter 2026

Team Size3

StatusActive

LocationNew York, NY, USA