Echo Money
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Platform · Cross-border Payments

Move money globally.
Settle in seconds.

Send and receive across 80+ countries via local rails — PIX, UPI, GCash, Dana, PromptPay, SWIFT, SEPA, or stablecoin corridors. Echo auto-routes to the fastest available path — funds settle in under 1 minute, not days.

Try the demo →
80+
Countries
50+
Currencies
150+
Payment Methods
echo.money/dashboard
Echo Money

Account

Support
Sign out
JD
John D.
[email protected]
Search for anything⌘K
$10,000,000.00
JD

Welcome, John

Send
+ Deposit
Add Contact
Echo balance
$10,000,000.00
↗ +2.5% from last month
Money in
$34,200.00
Money out
$12,450.00
Contacts
JD
Priya Sharma
[email protected]
13:51
echo.money
Echo Money
JD
Send Money
You send1 USD = 0.92 EUR
$ 100
🇺🇸 USD
$100
$500
$1k
$2.5k
$10,000,000.00
They receive
€ 88.78
🇪🇺 EUR
Euro
🏦
Bank Deposit
1-2 business days · Free
You pay $103.50 incl. feesDetails
I pay fees
$3.50
Contact pays
€3.22
Home
Send
Deposit
Contacts
More
vs SWIFT average
T+0 not T+3

Payment Rails

Every rail. One API.

Echo connects to 150+ local payment methods globally — bank accounts, mobile wallets, and stablecoins.

Bank Accounts
🏦
Local Bank Transfer
80+ countries
VA
Virtual IBANs
EU / UK / SEPA
🇺🇸
ACH / Wire
United States
🇮🇳
IMPS / NEFT
India
🌎
Multi-currency
50+ currencies
Send & receive via bank →
Local Rails
🇮🇳
UPI
India
🇧🇷
PIX
Brazil
🇰🇪
M-Pesa
Kenya
🇻🇳
VietQR
Vietnam
🇵🇭
GCash
Philippines
+ 145 more local methods
Stablecoin Rails
USDC · Ethereum
Circle
USDC · Solana
Circle
USDT · TRC-20
Tether
€
EURC · Ethereum
Circle
↔ Fastest path for most corridors
Automatic compliance & KYC
Real-time webhook notifications
Pre-funded liquidity in 80+ countries

How it works

Move money in minutes - from any device

Send money internationally or collect from anyone, anywhere. One simple flow, every time.

app.echo.money/send
LIVE
Echo Money
Menu
Home
Send Money
Collect Money
Transactions
JD
John Doe
[email protected]
Send Money
Fast, secure, and low-cost transfers
All systems go
Type
2
Amount
3
Contact
4
Purpose
You Pay
500
🇪🇺EUR
Contact Gets
45,225
🇮🇳INR
Exchange Rate
1 EUR = 90.45 INR
Receive via
📱 UPI
Fee
€2.99
Net Payable
€502.99
Continue →

Smart Routing

Highest conversion, automatically

Echo sits between your business, global partners, and local banks — routing every payment through the fastest, cheapest, most reliable path available.

Your Business
🏢
API / Dashboard
Send or Collect
📱
Mobile / Web App
Embedded checkout
🔗
Payment Link
No-code collect
routes to
Echo Routing Engine
⚡ Speed optimization
💰 Cost minimization
✓ Compliance checks
↻ Auto-failover
Decides in <100ms
via best rail
Partners & Banks
🏦
Local Banks
80+ countries
📲
Mobile Wallets
UPI, M-Pesa, GCash
💱
Stablecoin Rails
USDC, USDT, EURC
<100ms
Routing decision
150+
Rail options
>99%
Conversion rate
Auto
Failover & reroute

Operational Excellence

Every payment monitored, 24/7

Echo's FinOps team monitors every transaction in real time. If a corridor stalls, we reroute before your customer notices.

>99%
Payments <30 min
Completion rate
<1 min
Avg Settlement
Across all corridors
95.24%
First Response SLA
Within 30 minutes
100%
Resolution SLA
Every ticket resolved
Real-time monitoring
Every transaction tracked by our FinOps team around the clock.
AI-driven rerouting
If a corridor stalls, we reroute automatically before your customer notices.
Pre-funded liquidity
Liquidity in 80+ countries so payments never fail due to dry rails.

Developer First

Integration made easy

Go live in days, not months. Choose the path that fits your team: a single REST API or no-code platform modules.

White Label
& Native

Fully customisable integration that reflects your brand identity, ensuring a consistent, seamless payment experience across every touchpoint.

Explore API docs
Your Logo
JD
Send Money
1/4
You send
$ 500 .00
USD
$100 $500 $1k $2.5k
They receive
₹ 46,360
INR
Indian Rupee
Bank Deposit
1-2 business days
Continue
Home
Send
Deposit
Transactions

Developer-Friendly
Documentation

Clear, comprehensive API docs with detailed examples and step-by-step guides, from sandbox credentials to first live transaction.

Explore API docs
payment.js
settled <1m
// one call to send globally
const payment = await
  echo.payments.create({
    amount: 500.00,
    currency: "USD",
    destination: "INR",
    rail: "auto"
  });

// response
{
  id: "pmt_xK92m",
  status: "settled",
  rate: 165.42
}

Start moving money globally

Get sandbox access within 24 hours. Test every corridor and rail, for free.

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