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Live: GCC & Africa FX rails operating 24/7

Banks sleep. Settle doesn't.

24/7 FX conversion infrastructure for payments companies. Rate shown = rate executed. No prefunding. No settlement delays. Works when Fedwire closes and SWIFT sleeps.

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24/7
FX Coverage
0
Prefunding Required
~1s
Settlement
2 Design
Partners, $13B+ volume
⚠️
Fedwire Closes at 3pm EST
No USDC→USD conversions on weekends, holidays, or after market hours. Your rate locks — then doesn't.
⏳
1–6% FX Fees to Customers
Margin stacking across correspondent rails. You pass costs downstream or absorb them. Neither scales.
💰
Billions Locked in Prefunding
Idle USD/EUR balance sitting in settlement accounts because you can't move it during off-hours. That's capital drain.
🌍
APAC + US Markets Don't Overlap
When New York sleeps, the Philippines wakes. Regional stablecoins bridge that gap. Settle closes that window.
Four pillars. One stack.

Everything you need to move money globally

From FX conversion to embedded liquidity — Settle replaces the patchwork of rails, correspondent banks, and prefunding accounts.

💱

FX Conversion — 24/7

Instant currency conversion across USD, EUR, GBP, AED, and more. Rate shown at quote time is the rate you get — executed, not indicative. Fiat rails during banking hours, stablecoins outside them.

Live
🏦

Multi-Currency Wallets + IBANs

USD IBANs live today. GBP IBANs June. Regional stablecoins (TGBP, EURC, AEDC) coming Q3. Full virtual account infrastructure for the currencies your customers pay in.

USD Live · GBP June
🌐

Global Payouts Without Prefunding

Send payouts to 140+ countries via Thunes/NIUM-like connectivity — but without prefunding a single dollar. Settlement through regional rails, even when destination banks are offline.

Live
⚡

On-Demand Liquidity (Embedded Lending)

Short-term liquidity across any payment flow — no separate credit facility, no disconnected system. Built into the rail. Available where no competitor has it.

Beta · Q3 GA
Target markets

Built for where the volume is

Primary

GCC & Africa

Highest cross-border payment volume, largest remittance corridors, fastest FX volatility

  • UAE — Interbank AED settlement
  • Egypt — EGP volatility, USD shortage
  • Nigeria — NGN/USDC arbitrage, $17B+ remittance inflow
  • Kenya — KES corridor, mobile money bridging
  • Ghana — GHS settlement, stablecoin onboarding
Secondary

APAC

Large migrant worker corridors, correspondent banking gaps

  • Philippines — PHP/USD, $40B+ annual remittance
  • Indonesia — IDR settlement, regulatory sandbox
  • Singapore — SGD rails, virtual account standards
  • Vietnam — VND corridors, mobile-first payouts
Design partners

Trusted by companies moving real money

We've partnered with two of the largest remittance companies in the GCC and Africa to build and stress-test the infrastructure.

Design Partner

Lulu Financial Holdings

GCC's #2 remittance company — $10B+ annual volume

Design Partner

Aspora

Fastest-growing remittance company — $3B+ annual volume

+ 7 companies in active pipeline

All at various stages of integration review with Settle's FX rails.

Why Settle wins

Built different. Works when they don't.

No other FX infrastructure operates 24/7 across these corridors without prefunding.

Capability Settle Thunes NIUM Traditional Banks
Instant payouts without prefunding ✓ ✗ ✗ ✗
USD ↔ Major currencies 24/7 ✓ ✗ ✗ ✗
Works when destination rails are down ✓ ✗ ✗ ✗
USD + GBP + AED + EUR IBANs ✓ Limited Limited ✗
Embedded on-demand liquidity ✓ ✗ ✗ ✗
Rate shown = rate executed ✓ Indicative only Indicative only Variable
API-first, no legacy SWIFT dependency ✓ Partial Partial ✗
API-first

Integrate in hours, not months

RESTful API. Sandbox environment. Comprehensive docs. Built for engineering teams at payments companies.

# Convert USD to AED instantly — 24/7 POST /v1/fx/convert { "from": "USD", "to": "AED", "amount": 100000, // cents "reference": "PAY-8821-AED" } → { "rate": "3.6725", "executed": true, "settled_at": "2026-05-23T05:14:00Z" }
GET
/v1/fx/rates
Live FX rates across all supported currency pairs
POST
/v1/fx/convert
Instant currency conversion, rate locked at execution
POST
/v1/wallets/balances
Multi-currency wallet balances — USD, EUR, GBP, AED
POST
/v1/payouts
Global payout to 140+ countries, no prefunding
Read Full API Docs → Request Sandbox Access
Ready to build?

Stop prefunding. Start settling.

Get API access in days. Move real volume in weeks. Scale without capital constraints.

Get API Access → Talk to Sales

Sandbox available now. Production access for qualified partners.