Our mission is to remove delay, high fees, and confusion from cross-border payments in emerging markets, making an international transfer as fast and reliable as a local money transfer.
About us
We’re Building the Infrastructure for Global Money Movement
Echo Money is a financial technology company that connects local banking networks with digital currency systems.
We build software tools and application programming interfaces (APIs) that allow businesses, platforms, and financial institutions to send, receive, and manage money across borders.
Countries 110+
Volume moved 2 billion +
Founded in 2025
The Problem We’re Solving
Every year, over $150 trillion moves across international borders.
However, traditional banking systems rely on slow, multi-bank networks that charge high fees and take days to process simple transactions.
Echo Money replaces those legacy pathways with a single, modern platform. By combining local payment systems with stablecoins, we enable businesses to move money internationally in less than one minute at lower cost.
Our Mission and Vision
We are building the core financial operating system for global digital commerce.
We want to create a world where payment logistics never prevent a business from expanding into new countries or reaching new markets.
Our History and Roots
Echo Money was founded by financial technology builders who previously created Onramp Money.
2022
Onramp Money Founded
Vision to simplify fiat-to-crypto and crypto-to-fiat globally
2022 – 25
Scaled globally
350+ partners including:
2025
Web3 Infra Mastered
$500M+ cumulative volume, 3M+ users, 60+ countries
2026
Echo Money Launched
Launched a full-stack cross-border payments platform, bridging Web2 & Web3 payments
How Echo Money Works
Instead of routing a payment through a long chain of banks, Echo Money connects bank accounts in the sending and receiving countries directly via regulated FX partners. In between, value briefly moves as a stablecoin instead of sitting in a queue between banks.
In practice, that means a business can send US dollars, have them converted briefly into a stablecoin while they cross borders, and have them land as Thai baht, pesos, or another local currency, all in one transaction that usually settles in under a minute.
UK
GBP collected instantly
via Faster Payments
Bridge
Real-time stablecoin routing
via USDC/USDT
Nigeria
NGN deposited directly
via NIP (NIBSS)
Our Coverage
110+Countries
215+Local payment methods
70+Currencies
Russia
Italy
Pakistan
Brazil
Iraq
UK
USA
What We Offer
Echo Money is built as a set of connected tools that businesses can use together or on their own.
Multi-currency accounts
Hold and manage both fiat currency and stablecoins in one account.
Cross-border payments
Send and receive money using local payment rails, with most payments settling in under a minute.
Built-in compliance
KYC, AML, and travel rule checks run automatically in the background.
Ledger and reconciliation
A real-time record of every transaction, with automated reconciliation and a clear audit trail.
Treasury tools
Automated FX hedging and liquidity management across every currency and corridor a business uses.
One API
A single integration that replaces the need to build and maintain separate relationships with multiple local partners.
Our Core Values
Our values guide how we build our technology, work with partner institutions, and serve our business clients globally.
1/6
Transparency First
We believe financial movement should be clear and predictable. We provide transparent pricing, real-time FX rates without hidden markups, and clear visibility into transaction statuses from start to finish.
Speed and Reliability
In global commerce, delayed transfers hurt business growth. We design our infrastructure to deliver cross-border settlements in under one minute while maintaining high system uptime and consistent performance.
Compliance as a Foundation
Regulatory compliance is not an afterthought in cross-border finance; it is built into everything we do. We integrate automated identity checks, anti-money laundering controls, and regional regulatory standards directly into our payment rails.
Transparency First
We believe financial movement should be clear and predictable. We provide transparent pricing, real-time FX rates without hidden markups, and clear visibility into transaction statuses from start to finish.
Speed and Reliability
In global commerce, delayed transfers hurt business growth. We design our infrastructure to deliver cross-border settlements in under one minute while maintaining high system uptime and consistent performance.
Compliance as a Foundation
Regulatory compliance is not an afterthought in cross-border finance; it is built into everything we do. We integrate automated identity checks, anti-money laundering controls, and regional regulatory standards directly into our payment rails.
Developer-Centric Simplicity
Financial infrastructure should be easy for software teams to deploy and scale. We focus on clean documentation, well-maintained software libraries, and single-API integrations that save engineering teams months of work.
Access Across Emerging Markets
Financial access should not end at traditional regional borders. We prioritize connecting emerging market local bank rails and payment systems to global liquidity networks, giving growing businesses equal access to international trade.
Invisible Infrastructure
We believe the best financial technology is invisible to the end user. Our focus is on solving real-world payment friction behind the scenes, creating systems that process complex cross-border transfers quietly, quickly, and without unnecessary steps for the business or recipient.