Fiat On/Off-Ramp Services

FCA-authorized fiat conversion infrastructure combining USDC stablecoin off-ramps with institutional foreign exchange services for Web3 businesses.

USDC Off-Ramp: Accept USDC payments from customers and receive USD in your Equals Money account within minutes. QR code interface generates unique USDC addresses per transaction/customer. Customers scan, pay from wallet, funds auto-convert and settle (typically under 5 minutes). Partnered with BVNK for enterprise-grade stablecoin-to-fiat conversion. No crypto custody required - businesses never hold USDC directly, eliminating licensing, wallet security, private key management, and crypto accounting complexity.

Target Industries: CFD brokers and trading platforms accepting USDC deposits for rapid funding (minutes vs days for wires) and 24/7 availability. iGaming platforms enabling instant deposit-to-play while maintaining fiat balance sheets. Crypto exchanges and OTC desks bridging crypto-native users to fiat on-ramps. E-commerce accepting USDC from crypto customers while receiving fiat settlement.

International Payment & FX: Access to 140+ currencies (major, minor, exotic). Direct SWIFT network access for same-day international payments. SEPA standard and instant EUR transfers. Institutional-grade FX rates with transparent pricing and in-house dealing desk.

FX Services: Spot FX for immediate conversion at current rates. Forward contracts lock rates up to 24 months for hedging multi-year contracts, international payroll, or budgeted projects. Market orders (target rate orders) auto-execute when specified rates achieved. Currency specialists with 100+ years combined experience provide daily market commentary, economic calendar monitoring, and custom hedging program design.

API Integration: Programmatic FX conversion via API for automated business logic, ERP/treasury system integration, systematic hedging programs, and real-time rate queries. Payer management system generates unique USDC addresses and QR codes per configuration.

Multi-Currency Synergy: FX services integrate with multi-currency accounts - convert between held balances, draw from appropriate currency accounts for payments, optimize holdings based on payment needs. Single workflow quotes rates in real-time, approves, and executes FX conversion and payment simultaneously.

Regulatory: FCA authorization for payment services and electronic money. Belgian NBB authorization (Equals Money Europe SA) covers UK and EU markets. Lead Tier CryptoUK membership. Established AML/KYC framework - businesses using USDC off-ramp receive only USD, avoiding crypto registration, crypto-specific AML/CTF regulations, and crypto accounting requirements.

Strategic Value: Bridges crypto-native customers to regulated fiat rails. Provides fiat liquidity without traditional merchant banking (difficult for crypto businesses). Near-instant USDC-to-USD conversion improves capital efficiency by eliminating large fiat reserve requirements.