Instant Conversion
Single API, global reach. interacts with the Money Grid to route your payments globally.
Simplified Infrastructure
No crypto handling. converts between fiat and crypto instantly to simplify your implementation and minimize FX costs.
Global Settlement
Real-time settlement. Leverages local instant banking rails and global low latency crypto rails to settle payments in real-time.
Payment Flow
1
Fund Internal Account or prepare for Just-in-Time Funding
You can either prefund an internal account with fiat or receive just-in-time payment instructions as part of the quote.
2
Create Quote
Create a quote to lock exchange rate to the receiving foreign account and parse payment instructions.
3
Execute Quote
Execute the quote or send funds as per payment instructions to initiate the transfer from the internal account to the external bank account.
Features
Customers interact with through two main interfaces.- API
- Dashboard
Programmatic access to create customers, quotes, fund the account, send payments and reconcile via webhooks.
Onboarding customers
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 also connect external accounts or internal accounts to a specific customer and also add accounts for counterparties on the receiving end.
To learn more about accounts read our internal accounts guide or setting up external accounts guide
Funding 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.Sending Payments
To send with , onboard an account for a customer and the counter party, then execute and fund a quote. resolves the receiver by external bank details, returns min/max and an exchange rate, and provides funding instructions. Once funded, handles FX and delivery to the receiving account.Environments
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.
Country Availability
Cryptocurrency
Available Globally
Bitcoin (BTC) and Stablecoin transactions supported worldwide with no geographic restrictions.
Full Platform Access
United States & Europe
Onboard as a platform with complete access to APIs, hosted KYC/KYB, dashboard, and business integrations.
Send payments to 65 countries on local banking rails, in addition to BTC and stablecoins.
Local Payment Rails
65 Countries
Receive payments via local rails like SEPA, PIX, UPI, and more.
| Country | ISO Code | Payment Rails |
|---|---|---|
| 🇦🇹 Austria | AT | SEPA SEPA Instant |
| 🇧🇪 Belgium | BE | SEPA SEPA Instant |
| 🇧🇯 Benin | BJ | Bank Transfer |
| 🇧🇼 Botswana | BW | Bank Transfer |
| 🇧🇷 Brazil | BR | PIX |
| 🇧🇬 Bulgaria | BG | SEPA SEPA Instant |
| 🇧🇫 Burkina Faso | BF | Bank Transfer |
| 🇨🇲 Cameroon | CM | Bank Transfer |
| 🇨🇦 Canada | CA | Bank Transfer |
| 🇨🇳 China | CN | Bank Transfer |
| 🇨🇷 Costa Rica | CR | Bank Transfer |
| 🇭🇷 Croatia | HR | SEPA SEPA Instant |
| 🇨🇾 Cyprus | CY | SEPA SEPA Instant |
| 🇨🇿 Czech Republic | CZ | SEPA SEPA Instant |
| 🇩🇰 Denmark | DK | SEPA SEPA Instant |
| 🇨🇩 DR Congo | CD | Bank Transfer |
| 🇪🇪 Estonia | EE | SEPA SEPA Instant |
| 🇫🇮 Finland | FI | SEPA SEPA Instant |
| 🇫🇷 France | FR | SEPA SEPA Instant |
| 🇩🇪 Germany | DE | SEPA SEPA Instant |
| 🇬🇭 Ghana | GH | Bank Transfer |
| 🇬🇷 Greece | GR | SEPA SEPA Instant |
| 🇭🇰 Hong Kong | HK | Bank Transfer |
| 🇭🇺 Hungary | HU | SEPA SEPA Instant |
| 🇮🇸 Iceland | IS | SEPA SEPA Instant |
| 🇮🇳 India | IN | UPI IMPS |
| 🇮🇩 Indonesia | ID | Bank Transfer |
| 🇮🇪 Ireland | IE | SEPA SEPA Instant |
| 🇮🇹 Italy | IT | SEPA SEPA Instant |
| 🇨🇮 Ivory Coast | CI | Bank Transfer |
| 🇰🇪 Kenya | KE | Bank Transfer |
| 🇱🇻 Latvia | LV | SEPA SEPA Instant |
| 🇱🇮 Liechtenstein | LI | SEPA SEPA Instant |
| 🇱🇹 Lithuania | LT | SEPA SEPA Instant |
| 🇱🇺 Luxembourg | LU | SEPA SEPA Instant |
| 🇲🇼 Malawi | MW | Bank Transfer |
| 🇲🇾 Malaysia | MY | Bank Transfer |
| 🇲🇱 Mali | ML | Bank Transfer |
| 🇲🇹 Malta | MT | SEPA SEPA Instant |
| 🇲🇽 Mexico | MX | SPEI |
| 🇳🇱 Netherlands | NL | SEPA SEPA Instant |
| 🇳🇬 Nigeria | NG | Bank Transfer |
| 🇳🇴 Norway | NO | SEPA SEPA Instant |
| 🇵🇭 Philippines | PH | Bank Transfer |
| 🇵🇱 Poland | PL | SEPA SEPA Instant |
| 🇵🇹 Portugal | PT | SEPA SEPA Instant |
| 🇷🇴 Romania | RO | SEPA SEPA Instant |
| 🇸🇳 Senegal | SN | Bank Transfer |
| 🇸🇬 Singapore | SG | PayNow FAST Bank Transfer |
| 🇸🇰 Slovakia | SK | SEPA SEPA Instant |
| 🇸🇮 Slovenia | SI | SEPA SEPA Instant |
| 🇿🇦 South Africa | ZA | Bank Transfer |
| 🇰🇷 South Korea | KR | Bank Transfer |
| 🇪🇸 Spain | ES | SEPA SEPA Instant |
| 🇱🇰 Sri Lanka | LK | Bank Transfer |
| 🇸🇪 Sweden | SE | SEPA SEPA Instant |
| 🇨🇭 Switzerland | CH | SEPA SEPA Instant |
| 🇹🇿 Tanzania | TZ | Bank Transfer |
| 🇹🇭 Thailand | TH | Bank Transfer |
| 🇹🇬 Togo | TG | Bank Transfer |
| 🇺🇬 Uganda | UG | Bank Transfer |
| 🇬🇧 United Kingdom | GB | Faster Payments Bank Transfer |
| 🇺🇸 United States | US | ACH Wire Transfer RTP FedNow |
| 🇻🇳 Vietnam | VN | Bank Transfer |
| 🇿🇲 Zambia | ZM | Bank Transfer |
Europe
32 countries Primary: SEPA/SEPA Instant
Africa
17 countries Primary: Bank Transfer
Asia-Pacific
11 countries Various instant payment systems
Americas
5 countries PIX, SPEI, ACH, FedNow