Galoy

• Name: Galoy
• URL: https://galoy.io/
• Category: Bitcoin-native banking infrastructure / ledger and payments platform for regulated financial institutions
• Tags: bitcoin-ecosystem
• Summary: Galoy is a Bitcoin-native banking infrastructure company aimed at regulated financial institutions that want Bitcoin, Lightning, stablecoin, custody, exchange, and lending capabilities without replacing their existing core. The note earns its keep because the banking pitch is backed by real open-source operating components: the Blink wallet stack, the Bria bitcoin payments hub, and the Cala double-entry ledger.
• What it does:
  • Sells modular banking infrastructure for use cases such as bitcoin-backed lending, Bitcoin and Lightning payments, stablecoin payments, custody-linked wallets, and exchange flows
  • Positions its stack as a sidecar to existing bank cores and compliance systems rather than a full rip-and-replace core-banking product
  • Maintains Blink, an API and wallet stack for Bitcoin and Lightning payments, including BTC and USD-denominated payment flows and optional self-hosting paths
  • Maintains Bria, an open-source bitcoin payments hub focused on transaction batching, UTXO management, remote signing, and event-driven integration for distributed systems
  • Maintains Cala, an open-source ledger system centered on double-entry accounting, strong consistency, GraphQL APIs, transaction templates, and multi-currency financial records
• Key claims:
  • Official solutions pages describe Galoy as Bitcoin-native core banking software for regulated financial institutions, built to offer lending, payments, stablecoins, exchange, and wallets without replacing existing systems
  • The site says the platform is event-sourced, written in Rust, API-first and headless, cloud-native, ISO 27001 certified, and designed for compliance integration
  • Bitcoin payments materials claim 24/7 settlement, cross-border transfers, custody-independent settlement architecture, and sidecar integration with incumbents such as Jack Henry, FIS, and Fiserv
  • The Galoy GitHub organization describes the company as building infrastructure for bitcoin-backed lending, Bitcoin payments, custodial and non-custodial accounts, and related digital-asset services
  • Bria and Cala readmes provide concrete evidence that Galoy’s stack includes auditable double-entry accounting, event streaming, transaction batching, and production-oriented infrastructure rather than only marketing claims
• Whitepaper: No classic whitepaper or litepaper was found during this pass. The strongest primary materials were the official site, solutions/use-case pages, Blink developer docs, and Galoy’s open-source repositories; see ../whitepapers/galoy-primary-sources-2026-04-25.md.
• Sources:
  • https://galoy.io/
  • https://galoy.io/about
  • https://galoy.io/solutions
  • https://galoy.io/use-cases/bitcoin-payments
  • https://github.com/GaloyMoney
  • https://raw.githubusercontent.com/GaloyMoney/blink/main/README.md
  • https://raw.githubusercontent.com/GaloyMoney/bria/main/README.md
  • https://raw.githubusercontent.com/GaloyMoney/cala/main/README.md
  • https://dev.blink.sv/

Internal linkages

• Direct product surface that makes the broader Galoy stack concrete: blink

• Merchant-stack contrast where checkout and invoicing matter more than bank-grade ledger and sidecar-core integration: btcpay-server

• Last reviewed: 2026-06-02 UTC