Countries & Rails

General Notes

In the coverage tables below, Direction refers to the source and destination country / currency / rail of a payment.
- Source = you can use this country / currency / rail combination as the source of a payment
- Destination = you can use this country / currency / rail combination as the destination of a payment
Min and Max limits are transaction-level limits unless specified otherwise
Minimums are post-fee, meaning the source or destination value should amount to at least the minimum limit after Walapay's fees have been applied.
The settlement time is the intended speed at which the rail is supposed to work (it is not controlled by Walapay). This does not equal the exact time it will take a payment to complete as this can be impacted by delays with the rail itself (e.g., the Central Bank coordinating the transactions has a backlog) and the internal processes that sending and receiving banks have (e.g., compliance audits on randomly selected transactions)

Global Coverage by Country

The following tables outline our global coverage by country.

Global

Country	Currency	Rail	Method	Direction	B2C/B2B/C2C/C2B	Settlement Time	Min	Max
Global	USD	SWIFT¹	Bank Transfer	Both²	All	T+1 to T+4	$35	-
Global	USDC/T	Ethereum	Blockchain	Both²	All	Real-time	-	-
Global	USDC/T	Solana	Blockchain	Both²	All	Real-time	-	-
Global	USDC/T	Polygon	Blockchain	Both²	All	Real-time	-	-
Global	USDC	Base	Blockchain	Both²	All	Real-time	-	-
Global	USDT	Tron	Blockchain	Both²	All	Real-time	-	-
Global	USDT	Plasma	Blockchain	Both²	All	Real-time	-	-
Global	EURC	Solana	Blockchain	Both²	All	Real-time	-	-
Global	EURC	Base	Blockchain	Both²	All	Real-time	-	-

SWIFT USD is available in all countries except restricted countries (see Onboarding Regions for details)
Against valid fiat currency pairs (see tables below)

Africa

Country	Currency	Rail	Method	Direction	B2C/B2B/C2C/C2B	Settlement Time	Min	Max
Ghana	GHS	GhIPSS	Bank Transfer	Destination	All	Real-time	$1	100,000 GHS
Kenya	KES	PesaLink	Bank Transfer	Destination	All	Real-time / T+3	$1	999,999,999 KES
Nigeria	NGN	NIBSS	Bank Transfer	Source	All	Real-time	$10	99,900,000 NGN
Nigeria	NGN	NIBSS	Bank Transfer	Destination	All	Real-time	$2	7,500,000 NGN
Tanzania	TZS	RTGS	Bank Transfer	Destination	All	T+2	$1	999,999,999 TZS
South Africa	ZAR	RTC / EFT	Bank Transfer	Destination	B2C/C2C	T+1	$1	5,000,000 ZAR

Asia-Pacific

Country	Currency	Rail	Method	Direction	B2C/B2B/C2C/C2B	Settlement Time	Min	Max
Australia	AUD	BECS	Bank Transfer	Destination	All	T+0 / T+1	$1	999,999,999 AUD
Bangladesh	BDT	BEFTN	Bank Transfer	Destination	B2C/C2C	T+1	$1	999,999,999 BDT
China⁴	CNY	CNAPS	Bank Transfer	Destination	B2B/C2B	T+0	$5	Services Trade: 300,000 CNY Goods Trade: 500,000 CNY
China	CNY	Alipay	Mobile Wallet	Destination	B2C/C2C	Real-time	$1	50,000 CNY
China	USD	CXFPS	Bank Transfer	Destination	B2B/C2B	T+0	$10	5,000,000 USD
Hong Kong	HKD	FPS / ECG / CHATS	Bank Transfer	Destination	B2B/C2B	Real-time / T+1	$10	FPS: 5,000,000 HKD
Hong Kong	USD	FPS / CHATS	Bank Transfer	Destination	B2B/C2B	T+0	$10
Hong Kong	CNH	FPS / CHATS	Bank Transfer	Destination	B2B/C2B	T+0	$10	FPS: 5,000,000 CNH
India	INR	IMPS / NEFT (RDA⁵)	Bank Transfer	Destination	All	Real-time	$1	1,500,000 INR
India	INR	IMPS / NEFT (VDA⁵)	Bank Transfer	Destination	All	Real-time	$1	$50,000
Indonesia	IDR	BI-FAST / Artajasa	Bank Transfer	Destination	All	Real-time / T+1	$2	999,999,999 IDR
Japan	JPY	Zengin	Bank Transfer	Destination	All	T+0	$1	50,000,000 JPY
Malaysia	MYR	PayNet’s Duitnow	Bank Transfer	Destination	All	Real-time / T+1	$1	1,000,000 MYR
Nepal	NPR	NPS	Bank Transfer	Destination	All	Real-time	$1	1,000,000 NPR
Pakistan	PKR	IBFT	Bank Transfer / Mobile Wallet	Destination	C2C	Real-time	$1	3,000,000 PKR
Pakistan	PKR	IBFT	Bank Transfer / Mobile Wallet	Destiantion	B2C	Real-time	$1	25,000 USD
Philippines	PHP	InstaPay / PESONet	Bank Transfer / Mobile Wallet	Both	All	Real-time / T+1	$1	25,000,000 PHP
Singapore	SGD	FAST / MEPS	Bank Transfer	Destination	All	Real-time	$1	200,000 SGD
South Korea	KRW	KFTC / FirmBanking	Bank Transfer	Destination	All	Real-time	$1	999,999,999 KRW
Sri Lanka	USD	SLIPS	Bank Transfer	Destination	All	T+0	$5	25,000 USD
Sri Lanka	LKR	SLIPS	Bank Transfer	Destination	All	T+0	$1	5,000,000 LKR
Thailand	THB	PromptPay	Bank Transfer	Destination	All	Real-time / T+1	$1	49,999 THB
Turkey	TRY	FAST / EFT	Bank Transfer	Destination	All	Real-time	$1	100,000 TRY
Vietnam	VND	Napas / CITAD	Bank Transfer	Destination	All	Real-time / T+3	$1	499,999,999 VND

China: CNY payments to individuals have a yearly transaction value limit of 300,000 CNY / year.
India RDA vs. VDA: Rupee Drawing Arrangement (RDA) and Virtual Digital Asset (VDA) schemes utilize the same underling rails, but have different requirements.

Europe

Country	Currency	Rail	Method	Direction	B2C/B2B/C2C/C2B	Settlement Time	Min	Max
Andorra	EUR	SEPA Instant / SEPA	Bank Transfer	Both	All	Real-time / T+1	$1	1,000,000 EUR / -
Austria	EUR	SEPA Instant / SEPA	Bank Transfer	Both	All	Real-time / T+1	$1	1,000,000 EUR / -
Belgium	EUR	SEPA Instant / SEPA	Bank Transfer	Both	All	Real-time / T+1	$1	1,000,000 EUR / -
Croatia	EUR	SEPA Instant / SEPA	Bank Transfer	Both	All	Real-time / T+1	$1	1,000,000 EUR / -
Cyprus	EUR	SEPA Instant / SEPA	Bank Transfer	Both	All	Real-time / T+1	$1	1,000,000 EUR / -
Czech Republic	CZK	CERTIS	Bank Transfer	Destination	All	T+0	$1	-
Czech Republic	EUR	SEPA Instant / SEPA	Bank Transfer	Both	All	Real-time / T+1	$1	1,000,000 EUR / -
Denmark	DKK	TIPS / ACH	Bank Transfer	Destination	All	T+0	$1	-
Denmark	EUR	SEPA Instant / SEPA	Bank Transfer	Both	All	Real-Time / T+1	$1	1,000,000 EUR / -
Estonia	EUR	SEPA Instant / SEPA	Bank Transfer	Both	All	Real-time / T+1	$1	1,000,000 EUR / -
Finland	EUR	SEPA Instant / SEPA	Bank Transfer	Both	All	Real-time / T+1	$1	1,000,000 EUR / -
France	EUR	SEPA Instant / SEPA	Bank Transfer	Both	All	Real-time / T+1	$1	1,000,000 EUR / -
Germany	EUR	SEPA Instant / SEPA	Bank Transfer	Both	All	Real-time / T+1	$1	1,000,000 EUR / -
Greece	EUR	SEPA Instant / SEPA	Bank Transfer	Both	All	Real-time / T+1	$1	1,000,000 EUR / -
Hungary	EUR	SEPA Instant / SEPA	Bank Transfer	Both	All	Real-time / T+1	$1	1,000,000 EUR / -
Italy	EUR	SEPA Instant / SEPA	Bank Transfer	Both	All	Real-time / T+1	$1	1,000,000 EUR / -
Latvia	EUR	SEPA Instant / SEPA	Bank Transfer	Both	All	Real-time / T+1	$1	1,000,000 EUR / -
Lithuania	EUR	SEPA Instant / SEPA	Bank Transfer	Both	All	Real-time / T+1	$1	1,000,000 EUR / -
Luxembourg	EUR	SEPA Instant / SEPA	Bank Transfer	Both	All	Real-time / T+1	$1	1,000,000 EUR / -
Malta	EUR	SEPA Instant / SEPA	Bank Transfer	Both	All	Real-time / T+1	$1	1,000,000 EUR / -
Netherlands	EUR	SEPA Instant / SEPA	Bank Transfer	Both	All	Real-time / T+1	$1	1,000,000 EUR / -
Norway	NOK	NICS	Bank Transfer	Destination	All	T+0	$1	-
Norway	EUR	SEPA Instant / SEPA	Bank Transfer	Both	All	Real-time / T+1	$1	1,000,000 EUR / -
Poland	PLN	Elixir	Bank Transfer	Destination	All	T+0	$1	-
Poland	EUR	SEPA Instant / SEPA	Bank Transfer	Both	All	Real-time / T+1	$1	1,000,000 EUR / -
Portugal	EUR	SEPA Instant / SEPA	Bank Transfer	Both	All	Real-time / T+1	$1	1,000,000 EUR / -
Romania	RON	SENT	Bank Transfer	Destination	All	T+0	$1	-
Romania	EUR	SEPA Instant / SEPA	Bank Transfer	Both	All	Real-time / T+1	$1	1,000,000 EUR / -
Serbia	RSD	NKS	Bank Transfer	Destination	All	T+1	$1	-
Slovakia	EUR	SEPA Instant / SEPA	Bank Transfer	Both	All	Real-time / T+1	$1	1,000,000 EUR / -
Slovenia	EUR	SEPA Instant / SEPA	Bank Transfer	Both	All	Real-time / T+1	$1	1,000,000 EUR / -
Spain	EUR	SEPA Instant / SEPA	Bank Transfer	Both	All	Real-time / T+1	$1	1,000,000 EUR / -
Sweden	SEK	Bankgirot	Bank Transfer	Destination	All	T+0	$1	-
Sweden	EUR	SEPA Instant / SEPA	Bank Transfer	Both	All	Real-time / T+1	$1	1,000,000 EUR / -
Switzerland	CHF	SIC	Bank Transfer	Destination	All	T+1	$1	-
Switzerland	EUR	SEPA	Bank Transfer	Destination	All	Real-time / T+1	$1	1,000,000 EUR / -
United Kingdom	GBP	Faster Payments / BACS / CHAPS	Bank Transfer	Both	All	Real-time / T+1	$1	1,000,000 GBP / -
United Kingdom	EUR	SEPA Instant / SEPA	Bank Transfer	Both	All	Real-time / T+1	$1	1,000,000 EUR / -

*Note: SEPA Instant coverage is limited to participating banks.

Middle East

Country	Currency	Rail	Method	Direction	B2C/B2B/C2C/C2B	Settlement Time	Min	Max
UAE	AED	NPSS / UAEFTS	Bank Transfer	Both	All	Real-time / T+0	$1	-
Saudi Arabia	SAR	Mada	Bank Transfer	Destination	All	T+0	$1	-
Qatar	QAR	QPS	Bank Transfer	Destination	All	T+1	$1	-
Israel	ILS	ZAHAV	Bank Transfer	Destination	All	T+1	$1	25,000 ILS
Egypt	EGP	ACH	Bank Transfer	Destination	All	T+1	$1	-
Jordan	JOD	ACH	Bank Transfer	Destination	B2C/C2C	T+1	$1	2,000 JOD

North America

Country	Currency	Rail	Method	Direction	B2C/B2B/C2C/C2B	Settlement Time	Min	Max
United States	USD	ACH / Domestic Wire	Bank Transfer	Both	All	T+2 / T+0	$2	-
Canada	CAD	EFT	Bank Transfer	Destination	All	T+1	$1	600,000 CAD
Mexico	MXN	SPEI	Bank Transfer	Both	All	Real-time	$1	-
Dominican Republic	DOP	ACH	Bank Transfer	Destination	All	T+0	$2	-
El Salvador	USD	ACH	Bank Transfer	Destination	B2C/C2C	T+0	$1	7,500 USD
Guatemala	GTQ	ACH	Bank Transfer	Destination	B2C/C2C	T+0	$1	-
Honduras	HNL	ACH	Bank Transfer	Destination	B2C/C2C	T+0	$1	-
Costa Rica	CRC	SINPE	Bank Transfer	Destination	All	Real-time	$1	13,510,000
Costa Rica	USD	SINPE	Bank Transfer	Destination	All	Real-time	$1	-
Jamaica	JMD	ACH	Bank Transfer	Destination	All	T+1	$1	772,091 JMD

South America

Country	Currency	Rail	Method	Direction	B2C/B2B/C2C/C2B	Settlement Time	Min	Max
Brazil	BRL	TED	Bank Transfer	Destination	All	T+1	$1	-
Brazil	BRL	PIX	Bank Transfer	Both	All	Real-time	$10	-
Argentina	ARS	Transferencias 3.0 / COELSA	Bank Transfer	Destination	All	Real-time / T+1	$1	999,999,999 ARS
Peru	PEN	ACH	Bank Transfer	Destination	All	T+1	$1	10,000,000 PEN
Chile	CLP	TEF	Bank Transfer	Destination	All	T+1	$1	999,999,999 CLP
Colombia	COP	PSE / ACH	Bank Transfer	Both	All	Real-time / T+1	$1	999,999,999 COP
Ecuador	USD	ACH	Bank Transfer	Destination	All	T+0	$1	-
Bolivia	BOB	RTGS	Bank Transfer	Destination	All	T+0	$1	10,000,000 BOB