Use case · Cross-border payments

Cross-border payments,
without the friction.

Pay suppliers, partners and staff across 190+ countries from named multi-currency accounts. Convert at wholesale FX, settle same day on regulated rails, and skip the bank-plus-broker patchwork.

190+
Destination countries
Same day
Typical settlement
Wholesale
FX rate · transparent spread
Registered
EU VASP · Canada FINTRAC & RPAA
The problem

International payments are slow, opaque and stitched together

Banks bundle the FX margin into the rate, correspondent hops add days and deductions, and crypto rails sit outside your accounting. Most teams end up running a patchwork of providers to move money abroad.

Speed

Days, not minutes

Correspondent banking adds intermediary hops and cut-off delays — funds can take 2–5 days to arrive.

Cost

Hidden in the rate

A marked-up exchange rate hides the real cost, and beneficiaries often receive less than you sent.

Fragmentation

Too many providers

A bank for fiat, an exchange for crypto, a broker for FX — none of them reconcile cleanly.

The KwiikPay way

One regulated operator, end to end

Collect, hold, convert and pay out from a single account — fiat and stablecoin on the same rails.

Accounts

Named multi-currency vIBANs

Hold GBP, EUR and USD in accounts issued in your own company name — never pooled.

FX

Wholesale rates, one spread

Convert at a transparent rate with the spread shown before you confirm — no hidden margin.

Settlement

Same-day delivery

Local rails, SEPA, SWIFT and on-chain settlement — most corridors land same day or in minutes.

Stablecoin

Fiat and crypto, one flow

Settle in USDC, USDT or EURC and redeem back to fiat — no separate exchange account.

Compliance

Screening built in

KYB, beneficiary checks and sanctions screening run inside the platform on every payment.

API

Automate the lot

Trigger single or batch payouts over one REST API with signed webhooks and clean reconciliation.

Coverage

Pay out the way each destination needs

Payment typeCurrenciesDelivered viaSpeed
Supplier & vendor paymentsGBP · EUR · USDLocal rails · SEPA · SWIFTSame day
Cross-border payouts190+ countriesLocal bank · corridor networkSame day – minutes
Stablecoin settlementUSDC · USDT · EURCOn-chain< 5 min
Contractor & partner payGBP · EUR · USDLocal bank transferSame day
Collections / inboundGBP · EUR · USDNamed vIBANReal time
At a glance

How a cross-border payment works

Fund
Receive into your named vIBAN or top up from your bank in GBP, EUR or USD
Convert
Wholesale FX to the destination currency or stablecoin, spread quoted before you confirm
Pay out
Single or batch payouts to bank, corridor network or on-chain wallet
Reconcile
Track delivery via dashboard and signed webhooks; export records to your ledger
Onboarding
KYB in about one business day · no minimum balance
How it works

From funding to settlement

01

Open your account

Complete KYB once and get named multi-currency vIBANs in your company name.

02

Fund & hold

Receive or top up in GBP, EUR or USD and hold balances until you need them.

03

Convert at wholesale FX

Lock a rate with the spread shown up front, into fiat or stablecoin.

04

Pay out & reconcile

Send across 190+ countries and track delivery via dashboard and webhooks.

Questions

Cross-border payments — FAQs

Most payments settle the same business day, and many corridors land in minutes. GBP-EUR routes regularly settle in under an hour over SEPA Instant and Faster Payments; stablecoin legs deliver on-chain within minutes. You see an estimated arrival time before you confirm.

You can hold GBP, EUR, USD, USDC, USDT and EURC, convert between them at wholesale FX, and pay out across 190+ countries through our corridor network. See live settlement times on the Corridors page.

A transparent FX margin applied to the mid-market rate — typically 0.12% to 0.60% depending on the corridor — with no hidden spread and no deductions on arrival. What you see quoted is what gets sent.

KwiikPay is registered as a Virtual Asset Service Provider in the EU (Poland, with the GIIF) and as a Money Services Business and Payment Service Provider in Canada (FINTRAC and the Retail Payment Activities Act, supervised by the Bank of Canada). Client funds are safeguarded in segregated accounts, kept separate from KwiikPay’s own funds, with sanctions screening on every payment.

Yes. The same payments run over one REST API with idempotency keys and signed webhooks, so you can trigger single or batch payouts and reconcile delivery programmatically.

Corridors

See every route we cover

30+ active fiat and stablecoin corridors across 190+ countries, with live cut-off times and transparent fees.

Open your first IBAN today.

Tier 2 onboarding takes one business day. No setup fees, no minimum balance, no surprises in the small print.