Unifold

Multi-chain deposit and payment infrastructure

Y CombinatorWinter 2026ActiveFintechPayments

What they do

Problem

Apps struggle to implement reliable, multi-chain crypto deposit and payment flows across different chains and tokens quickly.

Solution

Unifold provides a developer-first API and SDK that abstracts the end-to-end on-chain deposit flow so apps can accept deposits across any chain and token with minimal code.

Who it's for

Developers and teams building consumer-facing on-chain products that need to add or expand crypto deposit support.

Founders

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

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.

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.