Stablecoin infrastructure

Move money across
fiat ↔ stablecoin ↔ fiat
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

USDCUSDTERC20TRC20POLYGONARBITRUMOPTIMISMBEP20🇪🇺SEPA Instant🇮🇳UPI🇧🇷PIX🇺🇸ACH🇬🇧FPS🇲🇽SPEI🇵🇭InstaPay🇮🇩BI-FAST🇳🇬NIP🇻🇳VietQRUSDCUSDTERC20TRC20POLYGONARBITRUMOPTIMISMBEP20🇪🇺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.

Accept crypto Buy crypto at checkout Payout anywhere

One API

Programmable corridors. Shipped in one afternoon.

One request creates a quote, picks the optimal chain, executes the on-ramp, bridges through stablecoin, and settles into the contact's local fiat account. Idempotent. Webhook-driven.

  • Smart routing across USDC/USDT
  • Real-time webhooks on every state change
  • Double-entry ledger — audit-ready from day one
corridors.create.js
// POST /v1/corridors
const corridor = await echo.corridors.create({
  source: { currency: "EUR", amount: 5000, rail: "sepa_instant" },
  destination: { currency: "INR", rail: "upi", vpa: "ravi@okicici" },
  stablecoin: "USDC",           // optional — auto-picked if omitted
  network: "auto",              // "polygon" | "arbitrum" | "erc20" | ...
  idempotency_key: "ord_7419"
});

// → corridor.status: "routed" → "bridging" → "settling" → "settled"
// → webhooks fire at each transition

{
  "id": "cor_8f2a9c",
  "status": "settled",
  "source_amount": "5000.00 EUR",
  "bridge": { "asset": "USDC", "network": "POLYGON", "amount": "5390.12" },
  "destination_amount": "450215.40 INR",
  "fx_rate": 90.04,
  "fee_bps": 20,
  "settled_at": "2026-04-20T14:02:41Z",
  "duration_ms": 25118
}

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 80+ 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.

Echo Money

The modern financial infrastructure layer for the global internet economy.

Popular Corridors

© 2026 Echo Money · Operated by Falcon Fintech Ltd (Reg. No. 1001264158) · Office 200, 145½ Church Street, Unit 5, Toronto, ON M5B1Y4, Canada Falcon Fintech Ltd is registered as a Money Services Business (MSB) under the Proceeds of Crime (Money Laundering) and Terrorist Financing Act, supervised by the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC). Echo Money is a financial technology company, not a bank.