Oobit’s Plug and Pay turns crypto wallets into full-scale payment apps

Oobit has announced Plug and Pay, a turnkey embedded payments solution that allows wallet providers to enable real-world crypto spending directly within their apps through a single integration.

The product removes the need to build a payment stack, making crypto usable anywhere Visa is accepted without requiring wallets to obtain licenses, manage card network relationships, or handle compliance operations.

With Plug and Pay, wallets can offer users in-store and online crypto payments with the same ease and global reach as traditional payment methods.

The solution operates on Oobit’s fully regulated payments infrastructure, which includes card issuing, settlement, KYC, AML, and risk management.

This allows wallet teams to focus on product development and user experience, while Oobit manages the underlying regulatory and payment complexity.

Plug and Pay enables wallet providers to launch quickly with a lightweight integration, requiring only minimal code.

Wallets can deploy either white-labeled interfaces or fully branded, in-wallet card experiences, reducing time to market from months to days.

Partners are not required to secure issuing banks, navigate regulatory approvals, or build and maintain KYC systems.

Oobit manages the entire payments and compliance stack end to end, allowing wallet providers to expand payment functionality without increasing operational or regulatory risk.

Plug and Pay enables real-world crypto payments through Apple Pay and Google Pay, where available, with global acceptance at millions of merchants via Visa. Users can spend crypto as easily as fiat, without switching wallets or adopting new behaviours.

The solution supports users in more than 100 countries with localised onboarding and payment flows.

Wallet providers retain full control over branding and the user experience while relying on Oobit’s established global payments infrastructure.

By embedding everyday spending directly into wallet products, Plug and Pay turns stored digital assets into practical purchasing power.

This added utility drives higher user engagement, improves retention, and gives wallets a clear competitive edge as crypto adoption continues to expand.