Crypto-Fiat Conversion Infrastructure

Koibanx provides comprehensive fiat on/off-ramp infrastructure that enables businesses to convert between cryptocurrency and fiat currencies for treasury and payment operations. The platform combines instant cross-border settlement capabilities with flexible merchant payment processing and conversion services.

Cross-Border Conversion and Settlement

The platform enables instant international payments across 8+ Latin American countries by collecting funds in USD in the United States and settling in local currencies at destination. It accepts multiple payment methods including ACH transfers, credit cards, debit cards, prepaid cards, and cryptocurrencies. Once collected, funds are transferred using blockchain-based crypto rails for instant settlement, then converted and distributed in local currency. The solution supports payments, collections, and both personal and corporate remittances with built-in KYC and AML processes, FinCen regulation compliance for US operations.

Merchant Payment Gateway with Auto-Conversion

The Checkout solution acts as a cryptocurrency payment gateway that enables merchants, e-commerce platforms, and payment processors to accept payments in multiple cryptocurrencies with automatic fiat conversion capabilities. Payments can be credited directly in cryptocurrency, automatically converted (in whole or in part) into fiat money, or reinvested into other cryptocurrencies or stablecoins based on merchant preferences. The platform provides automatic convertibility of cryptocurrencies to local fiat currency at the point of settlement, protecting merchants from cryptocurrency volatility.

Technical Integration

Both solutions are delivered as SaaS platforms with developer-friendly APIs designed for straightforward integration with existing e-commerce platforms, payment gateways, remittance platforms, payroll systems, and financial applications. The API-driven architecture handles the complexity of multi-blockchain support, real-time exchange rate calculations, and settlement processing behind simple API interfaces.

Regional Focus and Payment Rails

The platform specializes in Latin American markets with support for regional payment rail integrations and multi-currency capabilities. It combines the accessibility of traditional payment methods (ACH, card networks) with the speed and efficiency of cryptocurrency networks as settlement rails, enabling near-instant fund transfers that bypass traditional correspondent banking networks and their associated delays and fees.