How It Works
Understand the end-to-end architecture of the Stablecoin Orchestration Layer
Integration Guide
Start integrating the Ratio API — from authentication to settlement
API Reference
Complete endpoint reference for quotes, swaps, and webhooks
Supported Corridors
View available currency pairs, stablecoins, and fee tiers
What you can build
Cross-border payments — Instant transfers across Asian corridors using stablecoin rails instead of SWIFT or correspondent banking. Settlement in under 1 second vs. 1–3 days via legacy systems. Merchant settlement — Accept any supported stablecoin and instantly convert to a preferred local currency. Ideal for PSPs, marketplaces, and global payout providers. On-chain FX — Near real-world rates with single-digit basis point spreads for both on-chain and off-chain exchanges. No AMM slippage regardless of transaction size. Treasury yield — Deploy idle stablecoin balances into secure yield strategies with real-time redemption.Get started in 4 steps
Apply for partnership
Contact Ratio to begin commercial evaluation and KYB onboarding. See Partner Onboarding for the full process.
Receive your API credentials
After onboarding, you receive a Partner ID, API key, and sandbox credentials for testing.
Integrate in sandbox
Use the sandbox environment (
https://api.sandbox.ratiofx.com/v1) to build and test your integration end-to-end.Go live
After passing certification tests, your production API key is activated and volume limits are set. See Going Live.
Key metrics
| Metric | Value |
|---|---|
| Settlement finality | < 1 second (Kaia BFT) |
| Typical spread | 1–6 bps (corridor-dependent) |
| Initial markets | Indonesia, Singapore, Malaysia |
| Blockchain | Kaia |
Ratio is B2B middleware — it serves regulated partners (PSPs, banks, exchanges, remittance operators) rather than retail end users directly. If you’re building a product on top of Ratio, start with Partner Types to understand which integration track applies to you.
