Echo Money

Where global money takes flight.

Talk to our team View API documentation
110+
Countries
$2B+
Volume processed
Instant
Cross-border settlement

Accounts, payments, and stablecoin infrastructure across 110+ countries, available for businesses through a single platform & API.

Built for all

A single dashboard & API for
global money movement.

Echo Money dashboard showing balance, transactions and recent activity
Platform

Everything you need to build financial products.

A complete infrastructure stack covering account issuance, payments, FX, and settlement. Available through a single API.

Move money globally. Send payments to 110+ countries via local rails, SWIFT, SEPA, and stablecoin networks with near-instant settlement.
Send Money
1/4
You send 1 USD = 18.7 MXN
$ 1 🇺🇸 USD
$100$500$1k$2.5k
↓
They receive
$ 17.16 🇲🇽 MXN
Mexican Pesos
Use cases

How everyone uses
Echo Money.

We've crafted a product that adapts to your business, not the other way round.

Importers & Exporters. Pay suppliers and collect from buyers worldwide with local rails and mid-market FX.

Freelancers. Invoice clients globally and receive payouts in any currency. Settle in fiat or stablecoin.

Fintechs & FIs. Embed cross-border payment rails into your product through a single API and dashboard.

Travel. Pay hotels, airlines, and local partners in their currency with automated reconciliation.

Retail and e-commerce. Collect payments locally and centralize treasury across currencies from one platform.

Marketplaces. Run a global payout program for sellers and freelancers with a single ledger and API.

Talk to our team →
How it works

International transfers in minutes

What takes traditional banks days, Echo Money completes in 7 minutes through eliminating intermediaries.

  1. 1. Initiate a payment. Submit via dashboard or API. We verify recipient details and run compliance checks.

  2. 2. Smart routing via local partners. Our engine chooses the fastest, most cost-effective payment path.

  3. 3. Instant settlement. Funds move across local rails, bank networks, or stablecoins.

  4. 4. Ledger updated. Records sync instantly and webhooks notify your systems.

Take advantage of reduced processing fees and the faster transfers compared to conventional payment.

vs. Traditional wire
Instant
2–5 days
Mid-market rate Bank FX
$0 fees $24.5 fee
Web3 enabled

Stablecoins as a
settlement layer

Combine the speed of stablecoins with the flexibility of fiat. Convert between both seamlessly or hold liquidity on-chain between transactions.

Instant cross-border corridors. Stablecoin bridges connect 80+ currency pairs with < 7 minute settlements.

Regulated custody. Stablecoin balances held in segregated, audited accounts with 1:1 reserves.

Web3 native card spend. Echo cards can be funded from stablecoin balances and used at Visa merchants.

Image
USDC ERC20 · Solana + 4
Image
USDT ERC20 · TRC20 + 4
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EURC ERC20 · Solana
Advantages

Why do businesses choose Echo Money?

Global payouts, built without the infrastructure debt. Echo Money unifies your cross-border payments into one simple dashboard and handles all the complex international banking and blockchain systems behind the scenes.

One Integration. Global coverage. Access over 110 countries, 215+ local payment rails, and 70+ currencies by plugging in a single API.

Predictable, Real-Time Settlements. Settle transactions across corridors instantly with institutional-grade predictability at mid-market FX rates.

API-Driven KYC & Rapid Onboarding. Onboard in minutes with fully automated KYB/KYC verification that removes operational friction without compromising compliance.

Absolute Pricing Transparency. What you see is what you pay. Access wholesale interbank pricing with zero hidden margins and lowest corridor costs.

Regulated Asset Safeguarding. 100% of customer funds are strictly segregated and protected in ring-fenced accounts, fully compliant with global regulatory mandates.

24/7 Engineer-Led Support. Get direct, 24/7 access to infrastructure engineers who understand your code base and deployment environment.

Coverage

Send, receive, and settle
worldwide. Simplified.

110+
Countries
70+
Currencies
215+
Payment Methods
Explore full coverage →
Setting up

Integrate easily —
API or dashboard.

  • Sandbox environment with test events
  • OpenAPI 3.0 spec and Postman collection
  • Webhooks with delivery retries
  • Idempotency keys on every endpoint
View API documentation →
create_payment.js
// Initiate a cross-border payment
const echo = require('@echomoney/sdk');
const client = new echo.Client({
  apiKey: process.env.ECHO_API_KEY
});
const payment = await client.payments.create({
  from: { accountId: 'acct_sg_7xK9mP', currency: 'SGD' },
  to: { accountId: 'acct_mx_3nR2wQ', currency: 'MXN' },
  amount: 1000,
  rail: 'auto', // Echo picks optimal rail
  idempotencyKey: 'pay_20240318_001'
});
// → { id: 'pmt_9xK2p...',
//   status: 'settled',
//   rate: 'mid-market',
//   settled_in: 'instant' }
Get started

Start building with
Echo Money

Talk to Sales →

Create a sandbox account in minutes. Move to production once KYB approval is complete.

2 min
to first API key
1 API
covers 80+ corridors
Instant
cross-border settlement
24 / 7
engineer-led support