Solutions
What we actually provide
Three pieces. Money comes in on a domestic rail, sits in one dollar-denominated balance, and leaves on another domestic rail.
01 — Collect
Virtual accounts in six currencies
You get account details in each currency you need. Your payer sees a normal domestic transfer — they do not need an account with us, a wallet, or any knowledge of what happens next.
- EUR via SEPA — euro-area transfers, including SEPA Instant where the sending bank supports it.
- GBP via Faster Payments — UK domestic, near-instant.
- USD via ACH and FedNow — batch or instant, depending on what the payer chooses.
- MXN via SPEI, COP via PSE, BRL via Pix — the domestic systems people in those markets already use daily.
On arrival, the incoming amount is converted to USDC and lands on your balance. The conversion is shown on the transaction, not hidden inside a rate.
Incoming
- EURSEPAEuro area
- GBPFaster PaymentsUnited Kingdom
- USDACH · FedNowUnited States
- MXNSPEIMexico
- COPPSEColombia
- BRLPixBrazil
02 — Hold
A balance held in USDC
Whatever comes in, the balance is one number in one unit. That is the point: six incoming currencies, one figure to reconcile.
- Denominated in US dollars. USDC is a stablecoin issued by Circle, redeemable one-for-one against the dollar by its issuer.
- No silent conversion. Every movement between a local currency and USDC appears as its own line, with the rate applied.
- Not a bank deposit. A USDC balance is a digital asset. It is not covered by deposit guarantee schemes, and we would rather say so here than bury it.
- Moves outside banking hours. Settlement between balances is not tied to one country's clearing calendar.
- Pix · BRL 27,100.00+$5,000.00
- SEPA · EUR 4,600.00+$5,000.00
- SPEI · MXN 42,750.00+$2,500.00
Illustrative figures at indicative rates.
03 — Send
Payouts back onto local rails
From the USDC balance, straight onto a domestic system. The recipient gets local currency in their normal bank account — no wallet, no onboarding, no explanation needed.
- The destination is checked first. Jurisdiction and recipient are screened while the payout is being built, not after the money has moved.
- Refusal is a real outcome. If the destination is not on the authorised list, the payout cannot be created. There is no override.
- The quote comes before the confirmation. Rate and fees are displayed, then you confirm — never the reverse.
Outgoing
- BRLPixInstant
- MXNSPEISame day
- COPPSESame day
- EURSEPASame or next day
- GBPFaster PaymentsNear instant
- USDACH · FedNowBatch or instant
Timings are those of the underlying scheme. Screening and cut-off times can add to them.