Echo Money
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Where global money takes flight.

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80+
Countries
$2B+
Volume processed
Instant
Cross-border settlement

Accounts, payments, and stablecoin infrastructure across 80+ countries, available for businesses through a single platform & API.

Built for all

A single dashboard & API for
global money movement.

Echo Money dashboard showing balance, transactions and recent activity
Platform

Everything you need to build financial products.

A complete infrastructure stack covering account issuance, payments, FX, and settlement. Available through a single API.

Move money globally. Send payments to 80+ countries via local rails, SWIFT, SEPA, and stablecoin networks with near-instant settlement.
Send Money
1/4
You send 1 USD = 96.3 INR
$ 1 🇺🇸 USD
$100$500$1k$2.5k $1.69
↓
They receive
₹ 88.38 🇮🇳 INR ▾
Indian Rupees
Use cases

How everyone uses
Echo Money.

We've crafted a product that adapts to your business, not the other way round.

Importers & Exporters. Pay suppliers and collect from buyers across currencies, with mid-market FX and local rails.

Freelancers. Send invoices and receive payouts in any currency. Settle in fiat or stablecoin.

Fintechs & FIs. Embed cross-border payments into your product through a single API and dashboard.

Travel. Pay hotels, airlines, and ground partners in their currency. Reconcile per booking.

Retail and e-commerce. Collect in-country in local currency, sweep to HQ treasury in any settlement currency.

Marketplaces. Run a global payout program for sellers and freelancers with one ledger and one API.

Talk to our team →
How it works

International transfers in an instant

What takes traditional banks days, Echo Money completes instantly through eliminating intermediaries.

  1. 1. Initiate a payment. Submit via dashboard or API. We verify recipient details and run compliance checks.

  2. 2. Smart routing via local partners. Our engine chooses the fastest, most cost-effective payment path.

  3. 3. Instant settlement. Funds move across local rails, bank networks, or stablecoins.

  4. 4. Ledger updated. Records sync instantly and webhooks notify your systems.

Take advantage of reduced processing fees and the faster transfers compared to conventional payments.

vs. Traditional wire
Instant
2–5 days
Mid-market rate Bank FX
$0 fees $24.5 fee
Web3 enabled

Stablecoins as a
settlement layer

Stablecoins are integrated as a native rail. Fiat in, stablecoin transit, fiat out. Or keep it in stables. Your choice.

Instant cross-border corridors. Move funds across 80+ currency corridors with instant settlement using stablecoins.

Regulated custody. Stablecoin balances held in segregated, audited accounts with 1:1 reserves.

Web3 native card spend. Echo cards can be funded from stablecoin balances and used at Visa merchants.

USDC ERC20 · Solana + 4
USDT ERC20 · TRC20 + 4
EURC ERC20 · Solana
+ 5 regional stablecoins
Coverage

Send, receive, and settle
worldwide. Simplified.

80+
Countries
40+
Currencies
150+
Payment Methods
Setting up

Integrate easily —
API or dashboard.

  • Sandbox environment with test events
  • OpenAPI 3.0 spec and Postman collection
  • Webhooks with delivery retries
  • Idempotency keys on every endpoint
View API documentation →
create_payment.js
// Initiate a cross-border payment
const echo = require('@echomoney/sdk');
const client = new echo.Client({
  apiKey: process.env.ECHO_API_KEY
});
const payment = await client.payments.create({
  from: { accountId: 'acct_sg_7xK9mP', currency: 'SGD' },
  to: { accountId: 'acct_mx_3nR2wQ', currency: 'MXN' },
  amount: 1000,
  rail: 'auto', // Echo picks optimal rail
  idempotencyKey: 'pay_20240318_001'
});
// → { id: 'pmt_9xK2p...',
//   status: 'settled',
//   rate: 'mid-market',
//   settled_in: 'instant' }
Get started

Start building with
Echo Money

Talk to Sales →

Create a sandbox account in minutes. Move to production once KYB approval is complete.

2 min
to first API key
1 API
covers 80+ corridors
Instant
cross-border settlement
24 / 7
engineer-led support