The financial layer
the world runs on
Move money across 80+ countries: accounts, payments, and stablecoins in one platform. Built for businesses that operate without borders.
Built for operators who demand more
Everything you need to build financial products
A complete infrastructure stack, from account issuance to cross-border settlement. One API. Infinite possibilities.
Account Issuance
Open multi-currency accounts for individuals and businesses in minutes, fiat and stablecoin, backed by our FINTRAC-registered MSB in Canada and locally-licensed banking partners across 80+ countries.
Card Processing
Process debit and prepaid card transactions linked to local or multi-currency balances, with real-time FX at interbank rates.
Cross-border Payments
Send and receive money globally via local rails, SWIFT, SEPA or stablecoin corridors. Settlement in under a minute.
Learn more →Stablecoin Infrastructure
Convert between stablecoins and local fiat instantly. Programmable fiat ↔ stablecoin ↔ fiat corridors with real-time routing.
Ledger & Reconciliation
Real-time double-entry ledger with automated reconciliation, statements, audit trails and transparency reports.
Treasury Movement
Automated FX hedging, liquidity balancing, and fund movement across corridors. Define rules once. Echo executes every transfer optimally.
API Solutions
RESTful APIs, SDKs in 6 languages, webhooks, and a sandbox environment. Integrate payments into any platform in hours, not months.
Remittance
Enable individuals and businesses to send money home across 80+ corridors: direct-to-bank, mobile money, and stablecoin off-ramps.
Built for every type of business
From solo freelancers to global enterprises, Echo's financial infrastructure adapts to your use case.
For Importers & Exporters
Pay suppliers globally, collect from international buyers, and manage multi-currency treasury. All without FX losses eating into your margins.
Cross-border payments, nearly instant
Initiate a payment
Submit a payment via our platform or API: specify the destination, currency, and amount. Echo validates the contact, runs compliance checks, and selects the optimal corridor automatically.
Smart routing via local partners
Echo maintains local payment partners in each currency corridor. Our routing engine selects the fastest, lowest-cost path in real-time, whether that's a local bank rail, mobile money network, or stablecoin bridge.
Instant settlement
Our settlement engine executes across SWIFT, SEPA, RTP, or stablecoin rails, whichever is fastest for that corridor. Most payments land in under a minute, with no correspondent bank delays.
Ledger & notification
The transaction is recorded in real-time in our double-entry ledger. Webhook events fire instantly. Both parties are notified. Fully reconciled. No manual work required.
Live transfer · SGD → NGN
Payment initiated
Platform or API · Contact validatedCompliance check passed
AML · Sanctions · KYC verifiedRouted via local partner
SGD → Stablecoin → NGN · Rate lockedContact credited
NGN account · Lagos, NigeriaSettlement: <1 min · Mid-market rate
vs. 2–5 days and $24.50 via traditional wire
The programmable money layer
Echo natively integrates stablecoins as a settlement rail. Fiat in, stablecoin transit, fiat out. Or keep it in stables. Your choice.
Instant cross-border corridors
Stablecoin bridges cut settlement from days to seconds on 80+ currency pairs.
Regulated stablecoin custody
Hold regulated stablecoins in segregated, audited accounts. 1:1 reserve backed.
Web3-native card spend
Top up Echo cards directly from stablecoin wallets. Spend crypto at any Visa merchant worldwide.
Local markets,
global reach
80+ live countries, 150+ local payment methods. Wherever your customers are, Echo is already there.
Build in an afternoon. Scale to millions.
REST APIs. Sandbox environment live in 60 seconds. No legacy SOAP. No PDFs. No wait.
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: '<1m' }
Ready to move money
at the speed of the internet?
Create a free account in 2 minutes. No credit card. No compliance paperwork on day one. Start building immediately.