It’s the year 2025. Businesses can no longer afford to separate themselves from AI. It’s not about building the biggest empire anymore, but the smartest one. And Mustafa Budak, CTO of Bitpace, knows a thing or two about building smart.
Bitpace, a crypto payment gateway, started in 2017, a time when crypto was still viewed with suspicion and scepticism. But for Mustafa and the Bitpace team, it was a way to create financial inclusion for people who couldn’t count on banks or government-backed currencies. The aim was to make digital payments as easy as a tap on the screen and make it accessible for everyone, no matter where they lived or how big their business was.
Fast-forward to today, and Bitpace is helping over 1,000 merchants handle more than 5 million monthly transactions across 75+ currencies, and integrating AI into the business is a key part of the strategy in 2025.
Budak explains: “In an era defined by rapidly evolving AI capabilities, the demand for highly scalable, connected, and interoperable infrastructure is only intensifying. As CTO of Bitpace, I see firsthand how advancements in AI and distributed systems are shaping the architecture that supports global digital ecosystems.”
How AI is transforming the payments industry
AI is revolutionising payments by driving automation and intelligent decision-making at scale. It can be used in any department within a company to improve efficiency. For example, with machine learning models continuously analysing transaction patterns, anomalies in transactions to identify fraudulent activity can be detected in real time, something traditional systems struggled to do with the same speed or accuracy.
In other ways, it can be used to troubleshoot issues for customers, improve customer service through using bots, or to assist in mundane everyday admin tasks. There is no limit to how AI can be used in everyday life.
“Whether in fraud detection, customer onboarding, or operational optimisation, AI is a key focus for us. Companies that harness these efficiencies early will have a serious competitive advantage,” explains Budak.
So, while others are still talking about AI, Bitpace is already adapting it to make payments smoother, faster, and safer.
Built with businesses at the front of mind
Bitpace focuses on what businesses actually care about: ease, speed, security, and growth. Bitpace works with industries that need both speed and trust, such as e-commerce, FX brokers, real estate, and even travel companies.
“At Bitpace, we recognise the potential of AI to enhance payment solutions in every aspect of business operations while keeping in mind security, privacy, and regulatory compliance,” Budak explains.
“Currently, AI plays a supporting role in our operations, analysing support tickets, flagging security concerns, and suggesting solutions to our dev team. Our tech team is developing how we use AI daily, tinkering and optimising tools and processes, and AI will be a crucial part of our operations moving forward, increasing efficiencies and allowing us to work smarter, not harder.
We are constantly exploring how we can enhance the use of AI further in different areas of the business, too, from marketing to HR, developing new workflows, and ways of working with the tech. As the AI learns, the dependency on humans for monotonous and manual tasks will become less and less.”
As regulatory frameworks evolve, AI-powered compliance monitoring will be essential for ensuring efficiency and accuracy. This will allow teams to reach goals faster and expand capacity, enhancing capabilities and maximising efficiencies.
The Human Side of Bitpace
Bitpace was not created to ride the crypto wave, but to increase global financial inclusion and to give businesses in underserved markets the tools they need to compete globally.
Budak explains how leveraging AI is about delivering smarter service at scale, while maintaining the human touch when it matters most:
“AI not only improves response times but also frees up our support team to focus on more complex, high-value issues. Over time, AI learns from user interactions, allowing us to personalise support and predict customer needs before they arise.”
Conclusion
Crypto is no longer a niche. It was said AI will be the future, and that future has arrived. Bitpace, driven by AI, offers a payment gateway that’s strategic, scalable, and smart.
Businesses are constantly racing against time and competition. AI is evolving faster than we can keep up, and corporations need someone to do the heavy lifting for them.
“I see three major trends. First, hyper-personalisation of payment experiences: AI will enable dynamic pricing, adaptive checkout flows, and tailored settlement options. Second, AI agents will handle more complex back-office tasks, from reconciliation to regulatory reporting. And finally, as AI becomes more embedded in blockchain infrastructure, we’ll see smarter contracts and AI-driven oracles enabling faster, more autonomous payments. At Bitpace, we’re already preparing for this next wave,” explains Budak.
“If you’re working on modular AI frameworks, decentralised applications, or next-gen cloud-native systems, let’s connect. The opportunities for collaboration and innovation are vast and exciting.”
It’s time to build smarter, not harder.
Mustafa Budak, CTO of Bitpace
originally published on valiantceo.com