Echo Money
Platform · Cross-border Payments

Move money globally.
Settle in seconds.

Send and receive across 110+ 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.

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110+
Countries
70+
Currencies
215+
Payment Methods
echo.money/dashboard
Echo Money

Account

Support
Sign out
JD
John D.
john@echo.money
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
priya@company.com
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
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Deposit
Contacts
More
vs SWIFT average
T+0 not T+3

Payment Rails

One payment, the right rail

Echo evaluates local bank routes, wallets, SWIFT, and stablecoin corridors before committing each transfer.

Coverage layer
215+
payment methods
110+
countries
Live route selection

UK buyer to India supplier

Best path selected
Debit
GBP
Buyer account
Credit
INR
Supplier bank
Rail ETA Cost Decision
Local bank payout India instant rail 42s 0.6% Use
Stablecoin corridor USDC settlement backup 8m 0.9% Fallback
SWIFT correspondent Legacy bank path 2-3d $32 Avoid
What Echo handles FX quote, compliance checks, failover, webhook, and final reconciliation.
settlement
Under 1 min

Local payout routing includes FX, compliance checks, failover, webhooks, and reconciliation. Average settlement: under 1 min.

Coverage map

Rails grouped by how money moves

01 Bank accounts
Local bank transfer Virtual IBANs ACH / Wire IMPS / NEFT SEPA Multi-currency
02 Local methods
UPI PIX M-Pesa VietQR GCash +145 more
03 Stablecoin corridors
USDC Ethereum USDC Solana USDT TRC-20 EURC Ethereum
Automatic compliance & KYC Checks run before rail selection.
Webhook notifications Route, FX, and settlement state in real time.
Pre-funded liquidity Available across 110+ 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
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Transactions
JD
John Doe
john@echomoney.com
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

The route is chosen by evidence

Before funds move, Echo weighs recipient reachability, rail health, total cost, and compliance for that specific payment.

Route decision USD 25,000 → INR
Invoice payment Same-day
Inputs evaluated Live
01
Recipient support Supplier bank accepts instant local credit
Confirmed
02
Rail health India instant payout is operating normally
99.99%
03
Total cost FX spread and transfer fee combined
0.6%
04
Compliance KYB, sanctions, and purpose checks
Cleared
Selected route 184 ms

Local INR payout

Echo's prefunded India corridor meets the delivery target at the lowest total cost.

Funding USD account
Conversion Echo FX
Delivery India instant rail
Fallback Stablecoin corridor 8 min
Excluded SWIFT correspondent 2–3 days
Decision IDrte_82HJ7
Primary reasonFastest eligible local route
Recorded outputRoute, FX, fee, fallback

Operational Excellence

Performance you can measure

Fast settlement and continuous monitoring across Echo's global payment corridors.

>99% Payments under 30 min Completion rate
<1 min Average settlement Across all corridors
95.24% First response SLA Within 30 minutes
100% Resolution SLA Every ticket resolved

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.

Three calls.
One payout.

A direct API flow for your white-label or native payment experience.

View API reference
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
POST /v1/whitelabel/payouts
STEP 1 OF 3
Request

Production: api.echo.money/echo/api/v1 · Echo HMAC headers required.

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