Stablecoin Off-Ramp Infrastructure and Cross-Border Payment Network

Coala Pay operates a proprietary off-ramp infrastructure and liquidity network spanning 50+ countries, enabling the conversion of stablecoin payments into local currency cash for recipients in the field. This infrastructure is purpose-built for cross-border disbursements in humanitarian-critical and emerging markets where traditional financial services are unavailable or unreliable.

Off-Ramp Network

The off-ramp network converts stablecoin transfers into physical cash or mobile money for beneficiaries without bank accounts, handling foreign exchange at competitive rates without the markups typical of humanitarian banking. Coverage spans Africa, the Middle East, South Asia, and other underserved regions, with recent market launches in Sudan and Syria — two of the most challenging operating environments for financial services.

Key infrastructure capabilities include:

• 50+ country off-ramp availability: Active stablecoin-to-local-currency conversion rails across humanitarian-critical regions
• Settlement speed: Payments settled in under 30 to 90 minutes depending on region, compared to days or weeks via correspondent banking
• Last-mile cash delivery: Converts stablecoin transfers to physical cash or mobile money for unbanked recipients
• Local currency conversion: Competitive foreign exchange rates without intermediary markups
• Liquidity management: Strategic liquidity mapping to ensure sufficient local currency availability for disbursements

Cross-Border Payment Rails

Built on the same infrastructure, Coala Pay's cross-border payment platform enables organisations to move funds internationally using stablecoins and smart contracts, eliminating correspondent banking delays and fees. The platform delivers up to 30-34% more funds reaching local programming by removing intermediary costs, with a reported 100% success rate on cash retrieval across disbursement programs.