Stable OS — Stablecoin Cross-Border Payment & Rail Infrastructure

Stablecoin-Powered Cross-Border Payments

Keyrails' Stable OS is an API-first stablecoin operating layer that enables enterprises and fintechs to move capital across 173 countries with overnight settlement and full trackability, averaging $250K per payment. The platform functions as a proprietary stablecoin-fiat rail that connects USDC liquidity to traditional wire infrastructure — enabling businesses to convert between stablecoins and fiat through institutional rails without relying on third-party orchestrators.

Core Rail Infrastructure

Stable OS is built on four proprietary conversion levers:

• Multi-Bank FBO Accounts: USD FBO accounts across 4 US banks providing redundancy and rails speed optimisation
• Named POBO Rails: SWIFT, Fedwire, and CHATS with original sender name preserved — covering G10 currencies plus CNY
• EM Clearing Trust: High-value payment clearing with US and non-US banking partners across emerging markets
• Proprietary Settlement: Multiple regulatory licences enabling proprietary clearing, routing, and settlement rather than orchestration-only

POBO SWIFT Payment API

The POBO (Payment on Behalf Of) SWIFT Payment API allows businesses to originate international wire transfers in their clients' names via SWIFT, Fedwire, and CHATS rails. Original sender name is preserved through the SWIFT MT messaging chain, reducing AML/KYC friction at correspondent banks and improving compliance outcomes for emerging market corridors.

Regulatory Foundation

Keyrails holds SWIFT membership (BIC: KEYRCA62), FINTRAC MSB registration, FinCEN MSB registration, and a Polish VASP licence. The platform is a certified Circle Alliance Program member and Mastercard Start Path Blockchain and Digital Assets participant, providing institutional-grade credentials that underpin its stablecoin-fiat conversion and wire origination capabilities.