- Payin = you can use this currency as the source of a payment; Payout = you can use this currency as the destination of a payment. For example, the row for Nigeria shows that both Payins (e.g, NGN to USD, NGN to USDC) and Payouts (e.g., USDC to NGN) are active
- All Payins and Payouts can be made from/to USDC/USDT
- All Payouts can be made to third parties (i.e., the destination currency can be sent to anyone). All Payins must be first party (i.e., the source currency must come from the customer)
- SWIFT USD is available in all countries except restricted countries
- For all purposes:
- ✅ = currently live
- ⏳ = coming soon (within next quarter)
- It's best to read each row from left to right. For example, the row for Ghana shows that Payouts are active for both B2B and B2C, in real-time, for the GhIPSS rail (while Payins are not yet active, but are being worked on)
The following tables outline our global coverage by country.
| Country | Currency | Payins | Payouts | B2B / B2C | Settlement Time | Rail |
|---|
| Côte d'Ivoire | XOF | ⏳ | ⏳ | B2B / B2C | T+1 | |
| Ghana | GHS | ⏳ | ✅ | B2B / B2C | Real-time | GhIPSS |
| Kenya | KES | | ✅ | B2B / B2C | T+3 | KIBBS / PesaLink |
| Nigeria | NGN | ✅ | ✅ | B2B / B2C | Real-time | NIBSS / NEFT |
| Tanzania | TZS | | ✅ | B2B / B2C | T+2 | RTGS |
| South Africa | ZAR | | ✅ | B2B / B2C | T+1 | RTGS / EFT |
| Country | Currency | Payin | Payout | B2B / B2C | Settlement Time | Rail |
|---|
| Australia | AUD | ⏳ | ✅ | B2B / B2C | T+0 / T+1 | BECS |
| Bangladesh | BDT | | ✅ | B2C | T+1 | BEFTN |
| China | CNY, USD | | ✅ | B2B | T+3 | CNAPS |
| Hong Kong | HKD, USD | ⏳ | ✅ | B2B / B2C | Real-time / T+1 | HKICL (CHATS / ECG) |
| India | INR | | ✅ | B2B / B2C | Real-time | NEFT / RTGS / IMPS |
| Indonesia | IDR | ✅ | ✅ | B2B / B2C | Real-time / T+1 | SKN / RTGS |
| Japan | JPY | | ✅ | B2B / B2C | T+0 | Zengin |
| Malaysia | MYR | | ✅ | B2B / B2C | Real-time / T+1 | IBG / RENTAS |
| Nepal | NPR | | ⏳ | | Real-time / T+2 | |
| New Zealand | NZD | | ⏳ | | T + 1 | |
| Pakistan | PKR | | ✅ | B2C | Real-time | RAAST / IBFT |
| Philippines | PHP | ✅ | ✅ | B2B / B2C | Real-time / T+1 | InstaPay / PESONet |
| Singapore | SGD | ⏳ | ✅ | B2B / B2C | Real-time | FAST / MEPS |
| South Korea | KRW | | ⏳ | | Real-time / T+1 | |
| Sri Lanka | LKR, USD | | ⏳ | | T+0 | |
| Thailand | THB | ⏳ | ✅ | B2B / B2C | Real-time / T+1 | BAHTNET / PromptPay |
| Turkey | TRY | | ✅ | B2B / B2C | Real-time | FAST / EFT |
| Vietnam | VND | ✅ (OTC) | ✅ | B2B / B2C | Real-time / T+3 | IBPS |
| Country | Currency | Payin | Payout | B2B / B2C | Settlement Time | Rail |
|---|
| Andorra | EUR | ✅ | ✅ | B2B / B2C | Real-time / T+1 | SEPA |
| Austria | EUR | ✅ | ✅ | B2B / B2C | Real-time / T+1 | SEPA |
| Belgium | EUR | ✅ | ✅ | B2B / B2C | Real-time / T+1 | SEPA |
| Croatia | EUR | ✅ | ✅ | B2B / B2C | Real-time / T+1 | SEPA |
| Cyprus | EUR | ✅ | ✅ | B2B / B2C | Real-time / T+1 | SEPA |
| Czech Republic | CZK | | ✅ | B2B / B2C | T+0 / T+1 | CERTIS |
| Denmark | DKK | | ✅ | B2B / B2C | T+0 / T+1 | NemKonto / FI |
| Estonia | EUR | ✅ | ✅ | B2B / B2C | Real-time / T+1 | SEPA |
| Finland | EUR | ✅ | ✅ | B2B / B2C | Real-time / T+1 | SEPA |
| France | EUR | ✅ | ✅ | B2B / B2C | Real-time / T+1 | SEPA |
| Germany | EUR | ✅ | ✅ | B2B / B2C | Real-time / T+1 | SEPA |
| Greece | EUR | ✅ | ✅ | B2B / B2C | Real-time / T+1 | SEPA |
| Hungary | HUF / EUR | | ✅ | B2B / B2C | Real-time / T+1 | GIRO |
| Ireland | EUR | ✅ | ✅ | B2B / B2C | Real-time / T+1 | SEPA |
| Italy | EUR | ✅ | ✅ | B2B / B2C | Real-time / T+1 | SEPA |
| Latvia | EUR | ✅ | ✅ | B2B / B2C | Real-time / T+1 | SEPA |
| Lithuania | EUR | ✅ | ✅ | B2B / B2C | Real-time / T+1 | SEPA |
| Luxembourg | EUR | ✅ | ✅ | B2B / B2C | Real-time / T+1 | SEPA |
| Malta | EUR | ✅ | ✅ | B2B / B2C | Real-time / T+1 | SEPA |
| The Netherlands | EUR | ✅ | ✅ | B2B / B2C | Real-time / T+1 | SEPA |
| Norway | NOK | | ✅ | B2B / B2C | T+0 / T+1 | NICS |
| Poland | PLN, EUR | | ✅ | B2B / B2C | Real-time / T+1 | Elixir / BlueCash |
| Portugal | EUR | ✅ | ✅ | B2B / B2C | Real-time / T+1 | SEPA |
| Romania | RON, EUR | | ✅ | B2B / B2C | T+0 / T+1 | SEPA / RTGS |
| Slovakia | EUR | ✅ | ✅ | B2B / B2C | Real-time / T+1 | SEPA |
| Slovenia | EUR | ✅ | ✅ | B2B / B2C | Real-time / T+1 | SEPA |
| Spain | EUR | ✅ | ✅ | B2B / B2C | Real-time / T+1 | SEPA |
| Sweden | SEK | | ✅ | B2B / B2C | T+0 / T+1 | Bankgirot |
| United Kingdom | EUR | ⏳ | ✅ | B2B / B2C | Real-time / T+1 | BACS / CHAPS / Faster Payments |
| Country | Currency | Payin | Payout | B2B / B2C | Settlement Time | Rail |
|---|
| Egypt | EGP | ⏳ | ✅ | B2B | T+0 / T+1 | RTGS / IPN |
| Israel | ILS | | ✅ | B2B / B2C | T+0 / T+1 | ZAHAV |
| Jordan | JOD | | ⏳ | B2B / B2C | T+1 / T+2 | ACH |
| Qatar | QAR | | ⏳ | B2B / B2C | T+1 / T+2 | QPS |
| Saudi Arabia | SAR | | ✅ | B2B / B2C | T+0 / T+1 | Mada |
| United Arab Emirates | AED | ⏳ | ✅ | B2B / B2C | T+0 / T+1 | UAEFTS |
| Country | Currency | Payin | Payout | B2B / B2C | Settlement Time | Rail |
|---|
| United States | USD | ✅ | ✅ | B2B / B2C | T+1 / T+2 | ACH / Domestic Wire |
| Canada | CAD | ⏳ | ✅ | B2B / B2C | T+1 / T+2 | Interac |
| Dominican Republic | DOP | ⏳ | ✅ | B2B / B2C | Real-time | ACH |
| Guatemala | GTQ | | ⏳ | B2B / B2C | T+0 / T+1 | |
| Honduras | HNL | | ✅ | B2C | T+0 | ACH |
| Mexico | MXN | ✅ | ✅ | B2B / B2C | Real-time | SPEI |
| Costa Rica | CRC / USD | | ✅ | B2B / B2C | Real-time | SINPE |
| Country | Currency | Payin | Payout | B2B / B2C | Settlement Time | Rail |
|---|
| Argentina | ARS | | ✅ | B2B / B2C | T+1 / T+2 | Transfers 3.0 |
| Bolivia | BOB | | ✅ | B2B / B2C | T+0 / T+1 | RTGS |
| Brazil | BRL | ✅ | ✅ | B2B / B2C | Real-time / T+0 | TED / DOC / Pix |
| Chile | CLP | | ✅ | B2B / B2C | T+0 / T+1 | TEF |
| Colombia | COP | | ✅ | B2B / B2C | Real-time / T+1 | ACH |
| Jamaica | JMD | | ⏳ | | T+1 / T+2 | |
| Peru | PEN | | ✅ | B2B / B2C | T+0 / T+1 | ACH |
