Stablecoin infrastructure

Move money across
fiat ↔ stablecoin ↔ fiat— in a single API call.
in a single API call.

Convert between stablecoins and local fiat instantly. Programmable fiat ↔ stablecoin ↔ fiat corridors with real-time routing across six chains and every major local payment rail.

Read the docs

Sub-minute settlement

Smart-route to cheapest rail

Leg 01 · Fiat in

🇩🇪

€ 0.00

Rail

SEPA Instant

Time

~18s

Leg 02 · Bridge

0.00 USDC

Chain

POLYGON

Gas

$0 (covered)

Time

~4s

Leg 03 · Settled

🇮🇳

₹ 0.00

Rail

UPI · ravi@okicici

Time

~3s

 25s · end-to-end · 0.22% fee

<60s

Full corridor settlement

Better

than Google rates

99.99%

API uptime

Native across every major chain & rail

USDC USDT ERC20 TRC20 POLYGON ARBITRUM OPTIMISM BEP20

SEPA Instant

UPI

PIX

ACH

FPS

SPEI

InstaPay

BI-FAST

NIP

VietQR

One engine · Three flows

Accept crypto. Sell crypto. Pay out anywhere.

One programmable engine powers three flows — accept stablecoins for crypto-native businesses, let users buy crypto at checkout, and payout to any rail, anywhere, anytime.

01 Accept

USDC 1,250.00

echo money <80ms Balance $ 1,250.00

Accept crypto payments

Customer pays in USDC or USDT on any chain. We detect the deposit, settle it, and land it in your balance — no wallet required on your end.

USDC · USDT · 6 chains

02 Buy

Visa •••• 4242 $ 100.00

echo money <80ms USDC 100.00

Buy crypto at checkout

Let users top up in fiat via card or bank transfer and receive stablecoins in one flow — compliant, conversion-tracked, zero friction.

Card · bank transfer · KYC built in

03 Payout

USDC 5,000.00

echo money <80ms Local rails 110+

Payout anywhere, anytime

One API fans out to any destination — local bank rails in 110+ countries, or a wallet on six chains. Gas-free. 24/7. Sub-minute median.

Local bank rails · crypto wallets

One API

Programmable corridors. Shipped in one afternoon.

Quote a corridor, then dispatch it. The recipient travels inline on the request — no contact record and no KYC on either side — and your stablecoin balance lands in their local bank account.

Every request signed with HMAC-SHA512 — three headers, no bearer tokens
Sandbox and production on one contract — swap the base URL
Register and revoke webhook endpoints through the API

Read the API reference

your server → echo money

1 Create the payout

POST /v2/whitelabel/payouts
{
  "fiat_currency": "INR",
  "from_amount": 100,
  "customer": {
    "first_name": "Ravi",
    "account_number": "50100xxxxxx",
    "ifsc": "HDFC0000123"
  }
}

201 echo money responds

{
  "id": 1,
  "type": "payout",
  "status": "processing"
}

Recipient inline. No contact record, no KYC on either side.

Built for

Every payout that crosses a border.

Treasury ops

Move working capital across entities at stablecoin speed. No 3-day SWIFT waits.

Contractor payouts

Pay freelancers in 110+ countries. Fund in USDC, they receive local fiat.

Marketplace payouts

Settle sellers locally, book the ledger in one currency, FX in the middle.

OTC desks

Quote on fiat, settle on-chain. White-label liquidity with sub-minute fills.

Compliant by construction

Every hop screened & logged.

Travel Rule compliance on every stablecoin leg. Real-time sanctions + wallet-risk screening.

<300ms

Wallet risk scoring

100%

Travel Rule coverage

24 / 7

On-chain monitoring

99.99%

API uptime

Full

Double-entry ledger

Build the corridor

Stablecoin rails, one API away.

Sandbox keys in under a minute. Production access once KYB clears. Volume pricing for high-throughput teams.

Move money across fiat ↔ stablecoin ↔ fiat— in a single API call.in a single API call.

Accept crypto. Sell crypto. Pay out anywhere.

Accept crypto payments

Buy crypto at checkout

Payout anywhere, anytime

Programmable corridors. Shipped in one afternoon.

Every payout that crosses a border.

Treasury ops

Contractor payouts

Marketplace payouts

OTC desks

Every hop screened & logged.

Stablecoin rails, one API away.

Start building withEcho Money

Move money across
fiat ↔ stablecoin ↔ fiat— in a single API call.
in a single API call.

Start building with
Echo Money