Ternio
Procurement partnerAbout
Ternio is a blockchain-based fintech company founded in 2017 and headquartered in Alpharetta, Georgia, whose mission is to accelerate the use of blockchain and cryptocurrency into everyday life. The company provides white-label blockchain technology to enterprise clients and developed two primary products: the Lexicon high-speed blockchain framework and the BlockCard crypto debit card platform. Ternio later rebranded its consumer and enterprise offerings under the 'Unbanked' brand, consolidating...
Details
VenSearch Intelligence
Ideal Customer
- On the B2B enterprise side, Ternio's sweet spot includes large international organizations (clients cited exceed $50 billion in annual revenue) in media, banking, telecom, digital advertising, and government that need high-speed, high-volume blockchain infrastructure.
- For its white-label BlockCard platform, ideal customers are crypto foundations, fintech startups, and crypto exchanges seeking to quickly launch their own branded Visa debit card programs without building the underlying infrastructure — the Litecoin Foundation and Paxful are examples.
Key Differentiators
- Ternio's primary differentiator is its Lexicon blockchain framework, which is independently verified at over 1 million transactions per second — claimed to be the only fully decentralized, on-chain blockchain at that speed — making scalability a non-issue for large enterprise deployments.
- On the payments side, Ternio differentiates by holding cryptocurrency natively on the card until the exact point of sale (rather than pre-converting to fiat), which it claims makes BlockCard a true 'bank-grade crypto debit card' rather than just a prepaid gift card.
Industries Served
- Ternio primarily serves the fintech/financial services, digital advertising, supply chain, and government sectors.
- Its Lexicon blockchain framework is marketed as industry-agnostic and explicitly targets digital advertising (a $224 billion market), programmatic ad transparency, telecom, banking, and public sector clients.
Service Coverage
- Ternio is headquartered in Alpharetta, Georgia (Atlanta metropolitan area) and operates as a global fintech platform.
- Its BlockCard product launched in the U.S. and has been expanding internationally, with stated plans to reach the EU and over 150 countries globally.
Partnerships
- Ternio holds several significant technology and distribution partnerships.
- It became one of only five blockchain companies globally to be named an Amazon Advanced APN Technology Partner, enabling any AWS client to deploy the Lexicon blockchain framework on AWS infrastructure.
Company Size & Ownership
- Ternio was founded in 2017 (registered as a Delaware LLC on January 1, 2018) by co-founders Daniel Gouldman (CEO) and Ian Kane (COO).
- The company has approximately 18–23 employees depending on the source, with estimates ranging from 11–50.
Compliance & Certifications
- No specific SOC 2, HIPAA, ISO 27001, or FedRAMP certifications have been publicly documented for Ternio.
- However, the company emphasizes that it operates in a 'compliant and regulated environment' and requires KYC (Know Your Customer) verification for BlockCard users.
Compiled from public sources by VenSearch · Last researched October 14, 2026
Offerings
3 offeringsBlockCard
BlockCard is a crypto debit card platform that enables cardholders to spend their cryptocurrency anywhere major credit cards (Visa) are accepted, supporting over 12 different cryptocurrencies. Users can receive a virtual or physical card, open a bank account, and earn crypto cashback rewards on purchases. The card converts cryptocurrency to the desired currency at the point of sale in real time.
Lexicon
Lexicon is Ternio's patent-pending, high-speed blockchain framework designed for enterprise and government clients, independently verified at over 1 million transactions per second, fully decentralized and on-chain. It is built on Hyperledger Fabric with the Stellar blockchain as a payment protocol, and can be deployed on Amazon AWS via Ternio's Amazon Advanced Technology Partner integration. Use cases include programmatic digital advertising transparency, supply chain transparency, instant payment remittance, and secure data storage.
White-Label BlockCard Platform (B2B)
Ternio offers its BlockCard platform as a white-label solution for enterprise organizations, enabling other companies and crypto foundations to issue their own branded crypto debit cards. Partners such as the Litecoin Foundation have used this platform to issue their own Visa-enabled crypto debit cards, giving end users access to over 60 million merchants worldwide. The platform includes white-label card issuance, bank accounts, and financial toolkit APIs.
Considering Ternio?
Our team will work with you to determine if Ternio is the right fit for your organization. From research and assessment through procurement negotiation and ongoing vendor management — we handle the entire process at no cost to you.