With , you can send and receive low cost real-time payments to bank accounts and UMA addresses worldwide through a single, simple API. automatically routes each payment across its network of Grid switches, handling FX, blockchain settlement, and instant banking off-ramps for you.
Single API, global reach
interacts with the Money Grid to route your payments globally.
No Crypto Handling
Leverages local instant banking rails and global low latency crypto rails to settle payments in real-time.
Instant Delivery
Leverages local instant banking rails and global low latency crypto rails to settle payments in real-time.
For background on the UMA protocol itself, see the UMA Standard documentation: UMA Standard—Introduction.
has two customer onboarding options - one for non regulated entities where handles the KYC/KYB process and one for regulated entities where you handle the KYC/KYB process.When creating customers, you’ll be able to assign a customized UMA address to facilitate sending and receiving UMA payments.
supports multiple transaction funding options including prefunded accounts and real-time funding. You can prefund an account using several payment rails such as ACH, SEPA Instant, wire transfers, Lightning, and more.With real-time funding, you’ll receive payment instructions as part of the quote. Once payment is received by our services, we’ll initiate the payment to the receiver.
To send with , you query recipient information and pricing, then execute and fund a quote. resolves the receiver (by UMA or external bank details), returns min/max and an exchange rate, and provides funding instructions. Once funded, handles FX and delivery to the receiving account.To receive with , you expose a UMA or supported account identifier. The platform handles conversion and offramping to the receiver’s account currency and notifies you via webhooks so you can credit the customer.
supports two environments: Sandbox and Production.Sandbox mirrors production behavior and webhooks so you can test receiver resolution, quotes and funding instructions, settlement status changes, and full end‑to‑end flows without moving real funds.Production uses live credentials and base URLs for real payments once you’re ready to launch.
