On / off-ramp
Convert between fiat and stablecoin in the same flow, at a locked rate.
FIAT RAILS & PAYOUTS
On/off-ramp and mass payouts, on every rail.
Move value between fiat and stablecoin and pay out at scale to banks or wallets over instant local rails, bank transfer, wire and stablecoin, with approvals and a receipt on every transfer.
CAPABILITIES
What it does
Mass payouts
Pay 100+ recipients in a single call, to bank accounts or wallets.
Maker-checker
High-value batches require a second approval before they execute.
Receipts & reconciliation
Every payout posts to one ledger with an auditable receipt.
How it works
From funding to a settled batch of payouts in three steps.
- Step 01
Fund and convert
Bring in fiat or stablecoin and ramp between them at a quoted rate.
- Step 02
Approve the batch
Upload recipients, review, and clear high-value batches with maker-checker.
- Step 03
Settle and notify
Funds land on each local rail and a webhook confirms every payout.
Who it’s for
Teams that move money out to many people, on time.
Payroll & contractors
Pay staff and contractors across countries, in local currency or stablecoin.
Marketplace & creator payouts
Settle to thousands of sellers or creators from a single balance.
Treasury on/off-ramp
Ramp between fiat and stablecoin to fund operations and settle obligations.
RAILS
Pay out on every rail your recipients use
Instant local rails where they exist, bank transfer and wire everywhere else, plus stablecoin.
Transfer types
Instant local rails, bank transfer and SWIFT wire.
United States
ACH, domestic wire and RTP real-time payments.
Europe & UK
SEPA and SEPA Instant across the euro area, Faster Payments (FPS) in the UK.
Latin America · instant
PIX in Brazil, SPEI in Mexico, PSE and Bre-B in Colombia.
Latin America · local transfer
Local-currency payouts to Argentina, Chile, Peru, Bolivia and Costa Rica.
Wallets
Delivery straight to user wallets.
Stablecoin & global
USDC, USDT and EURC across chains, and SWIFT wire for the rest of the world.
Rails run on the licensed institutions behind each corridor, so coverage follows their footprint and settlement times vary by market and daily cut-offs.
MORE PRODUCTS
Pairs well with
Cross-Border Payments
Settle cross-border transfers in stablecoin with FX built in, and pay out to local bank rails or wallets in 15+ currencies behind a single interface.
Virtual Accounts
Issue named accounts per user in USD, EUR, GBP and local LATAM currencies, each with real bank details to receive funds. Deposits arrive on the rail their market runs on and reconcile against one ledger, ready to hold or auto-convert to stablecoin.
Swaps & Convert
Route token swaps and local-currency conversion to the best available price, with quote locking so your users always know what they get.
Ready to build with Tokelia?
Tell us your use case and we’ll point you to the right layer: infrastructure, tokenization or Yakopay.