Platform / Global Payments
Global Payments
Stablecoins in. Local currency out.
Let your users pay from a stablecoin or currency balance. Recipients are paid in local currency, in their bank accounts, across a payout network spanning 60+ markets.
The workflow
From a stablecoin balance to a local bank account.
Your user pays from the balance they hold. The recipient is paid in their own currency and does not need a crypto wallet.
Fund
The end user pays from a supported stablecoin or currency balance in their account.
Quote
One quote shows the rate, fees and the local-currency amount the recipient gets. No separate conversion step.
Pay out locally
The recipient is paid in local currency into their bank account through a supported local payment method.
Reconcile
Status and references for each payment in your records and the operations dashboard.
Three things are set separately: what the end user pays from, how the programme settles with its payout providers, and the currency and method the recipient receives.
Configured per programme
Every route is a set of decisions.
A route is enabled only when it is approved for your programme. New destinations are added as data, without rebuilding your integration.
| Dimension | What it decides |
|---|---|
| End users | Individuals, businesses or both |
| Where end users live | Which customers a route can serve |
| Recipients | The end user's own accounts, or individuals and businesses they pay, where approved |
| Funding | Which stablecoin or currency balances a payment can be paid from |
| Destination and currency | Where the money goes and what the recipient receives |
| Method | Local bank payment in local currency, or wallet transfer on a supported network |
| Operating arrangement | Who provides the regulated service for that route |
Payout markets
Send stablecoins. They receive local currency.
Recipients in 60+ payout markets are paid in local currency through the payment methods their banks already use, real-time or same-day on supported routes. Payouts to individuals and businesses, where the route allows.
Global Payments are coming soon. Routes are enabled for each programme; availability and delivery times depend on the route and programme. Routes in detail
Send stablecoins and recipients receive local currency, through a partner payout network covering 60+ markets. Real-time and same-day delivery on supported routes.
Europe
- EURSEPA
- GBPFaster Payments
Americas
- USDACH · Fedwire · RTP · FedNow
- CAD
- MXNSPEI
- BRLPix · TED
- ARS
- CLP
- COPACH · PSE
- PEN
Asia-Pacific
- AUDNPP
- INR
- JPY
- THB
- KRW
Middle East and Africa
- AEDIPI
- GHS
- NGN
- RWF
- ZAR
- UGX
- ZMW
Payout destinations and local payment methods.
Delivery
In your product, or ours.
Through the API in your own product, in the operations dashboard, or in a white-label app. Which payout functions each interface supports for your programme is confirmed in writing before you build.
Operating arrangement
Routes follow the programme.
Through our partner network, payouts are provided by the licensed partner for each route enabled for your programme. An independent institution uses the routes its own permissions and provider approvals allow. Sharing technology does not share another programme's accounts, balances, liquidity or approvals.
Bank payments
Fiat-funded local and international bank payments.
Let end users pay by bank transfer from their currency balances: SEPA Credit Transfer and SEPA Instant, Faster Payments and CHAPS, and US ACH and wires for approved programmes, with SWIFT payments for EUR and GBP, FAST, EFT, Interac e-Transfer, SPEI, Pix and Bre-B planned.
Available now
AvailableBank payouts from end users' currency balances.
- EUREuroSEPA Credit Transfer · SEPA Instant—
- GBPPound sterlingCHAPS set up on requestFaster Payments · CHAPS—
- USDUS dollarSet up on requestACH · Same Day ACH · Domestic wireInternational wire
Planned expansion
PlannedMore local payment methods and international payments by SWIFT.
- EUREuro—SWIFT
- GBPPound sterling—SWIFT
- SGDSingapore dollarFAST—
- CADCanadian dollarEFT · Interac e-Transfer · Domestic wireInternational wire
- MXNMexican pesoCredited as stablecoinSPEI—
- BRLBrazilian realCredited as stablecoinPix—
- COPColombian pesoCredited as stablecoinBre-B · Local bank transfer—
Separate from Global Payments, which pay recipients in local currency through a payout network. Available features, currencies and payment methods vary by location and programme. See currency details and programme terms.
Used by
Who builds with it.
OTC & brokers
Fiat funding and payouts, conversion, liquidity and settlement records per client.
Accounts · Fiat & Stablecoin ConversionCross-border payments & trade
Collections and local-currency payouts funded from stablecoin or currency balances.
Collections · Conversion · Global PaymentsWallets & fintech apps
Accounts, wallets and conversion for individuals and businesses, in your app or a branded app.
All modulesBusiness payment & treasury platforms
Local receiving, third-party payments, FX and optional stablecoin treasury.
Local Accounts & Collections · ConversionQuestions
Good to know.
Which countries can our users pay?
Destinations are enabled route by route for each programme. We confirm the countries, currencies and recipient types available to you during scoping, and add new ones as they are approved.
How fast are payouts?
Real-time or same-day on supported routes. Timing depends on the destination, the payment method and the checks required, and is provided where the route supports it.
Can end users pay from stablecoins?
Yes, where the route is enabled for your programme. The end user pays from a supported stablecoin balance and the recipient receives local currency in their bank account, with conversion inside one quote. Currency balances can fund the same payouts.
Does the recipient need a crypto wallet?
No. Local-currency payouts arrive in the recipient's bank account. Wallet transfers are a separate route.
Can individuals pay other people?
Where a route allows it. Own-name withdrawals apply to own-name routes; payouts to other individuals and businesses depend on the route and on approval for your programme.
What name does the recipient see?
How the sender is shown on the recipient's bank statement depends on the destination.
Can a licensed institution use routes enabled for another programme?
No. An independent institution uses routes approved for its own programme. EU/EEA crypto-asset services always require an EU-authorised provider.
Tell us where your users need to pay.
Share your end users, their locations, the currencies they fund from and the destinations you need. We will confirm which routes fit your programme.