Fern

Fern (Fern Money, LLC) is a global fintech company building the future of money movement, operating under the Rain umbrella following an acquisition in December 2025. Founded by industry veterans with deep expertise across fintech and Web3, Fern provides infrastructure that unifies fiat currencies, stablecoins, cryptocurrencies, and traditional bank rails into one powerful platform.

Core Products/Services

Fern offers two primary product lines:

Global Money Movements API (For Developers) — A developer-first API platform that enables businesses and developers to integrate global on/offramps, wallets, virtual accounts, yield products, and card payments within days. The API supports money movements across stablecoins (USDC, USDT), leading cryptocurrencies on 10+ blockchain chains, and fiat currencies in multiple countries. The platform is powered by the Fern Currency Multiplex, an intelligent payment routing engine that ensures the fastest and most cost-effective transfers across crypto and fiat rails. Developers can go live with a fully whitelabeled solution within one week.

Business Banking Onchain (For Businesses) — An onchain spending and savings account designed for global businesses and teams. Features include best-in-class onramps and offramps supporting thousands of currencies worldwide, same-day settlement, crypto-to-fiat payments (send USDC, recipient receives USD), USD virtual accounts, automated offramping rules, seamless currency conversions, multisig multichain wallets (Gnosis Safe-based with same address across all supported chains), automated bridging, and gas subsidies.

Key Strengths

• Fern Currency Multiplex: Proprietary payment routing engine that intelligently routes transactions for optimal speed and cost across crypto and fiat, battle-tested and powering hundreds of millions in transaction volume.
• Developer Experience: Simple API with 3 API calls to go live, customizable hosted UI, sample apps and code, white-glove support with forward-deployed engineers, and quick feature request turnaround.
• Compliance Built-In: Global money movements handled compliantly out of the box, removing the need for companies to build their own compliance programs.
• Multi-chain Infrastructure: Gnosis Safe-based wallets with same address across all supported chains; automatic bridging so USDC is chain-agnostic.
• Rain Ecosystem: Part of Rain, the leader in stablecoin-powered payments and card programs.

Notable Clients/Projects

Fern is trusted by leading Web3 companies including Para (crypto payment acceptance and automatic offramping), Ansa Research (global payroll automation), and Threshold Network. The platform has received endorsements from Circle CEO Jeremy Allaire and other prominent Web3 figures.

Why Choose Fern

Fern eliminates the complexity and cost of integrating global money movements. Without Fern, companies must either work with multiple low-level banking providers and build their own compliance programs, or use aggregators with higher fees and limited coverage. Fern's unified API and Currency Multiplex handles the hard parts — compliance, routing, chain abstraction — so builders can focus on their core product, going from idea to live global payments infrastructure in under a week.