Payment infrastructure API — now in private beta

SWIFT charges $25 and takes three days.
We charge under $1 and settle in 60 seconds.

Borderless is a stablecoin-backed payment API built for operators — neobanks, payroll platforms, and marketplaces — that need global corridors without building the infrastructure themselves.

Request Operator Access View API Preview
Single API integration Sandbox in minutes No minimum volume Dedicated integration engineer
The problem

Cross-border payments are still broken

Every operator building a global payments product faces the same infrastructure tax. Borderless eliminates it.

The old way

Correspondent banking chains from the 1970s

  • $75–$110 per transfer A $1,000 transfer from the US to Nigeria loses 7–11% to fees before it arrives. Every bank in the chain takes a spread.
  • 2–5 business day settlement Funds clear on banking hours, with cut-off windows, weekend blackouts, and no visibility into which hop failed.
  • You build the compliance stack KYC, sanctions screening, AML monitoring, Travel Rule — each is a separate vendor contract, integration, and ongoing operational burden.
  • 6–18 months to go live Bank relationships, MSB licensing, correspondent agreements. By the time you're live, your market window has moved.

Borderless

We replace the chain with a stablecoin settlement layer

  • Under $1 per transaction USDC on Base settles directly between liquidity nodes. No correspondent chain. No hidden spreads. Our fee model is transparent and fixed.
  • Sub-60 second settlement The stablecoin rail runs 24/7/365. No cut-off windows. No weekend delays. Funds move at the speed of the network, not the correspondent chain.
  • Compliance is our problem Tier 1 KYC, OFAC/UN/EU sanctions screening, AML monitoring, Travel Rule via Notabene — all handled server-side. You own the UX; we own the plumbing.
  • Days to integrate, not quarters One API key. Sandbox in under 10 minutes. Dedicated integration engineer for the first 30 days. Production access after KYB approval.
Core capabilities

Everything operators need. Nothing they don't.

Three systems, one integration. The full stack from on-chain settlement to compliance reporting is abstracted behind a single API surface.

Stablecoin Rail

Payments route over USDC on Base and Polygon, settling directly between liquidity nodes without intermediate banks. The rail runs 24/7/365 with no cut-off windows and no batch processing. Fiat-to-fiat delivery targets sub-60 seconds on every corridor.

< 60s settlement

Compliance-as-a-Service

Every payment passes through Tier 1 KYC verification, OFAC, UN, and EU sanctions screening, and AML transaction monitoring before execution. Travel Rule data exchange runs via Notabene. We maintain the audit trail, file the reports, and surface risk signals — you stay in the clear without building a compliance team.

OFAC · UN · EU · UK

Multi-Corridor FX

Before a payment executes, your integration receives an advisory FX quote for user-facing display. The confirmed execution rate is returned at settlement. We aggregate FX liquidity across six active corridors with spread economics that undercut correspondent bank markups by a wide margin.

6 corridors live
How it works

From API key to live payments in three steps

No procurement process. No months-long onboarding. Operators complete sandbox integration in days and production go-live in weeks.

Integrate once

One API key. One POST /v1/payments call. Your platform connects to all active corridors, FX feeds, and the compliance stack through a single authenticated integration. Sandbox access is instant — no sales call required.

sandbox.borderless.io/v1

We handle the routing

Borderless evaluates the payment against the compliance stack, selects the optimal settlement path, applies the live FX rate, and moves funds from your prefunded account through the stablecoin rail to the recipient's local payment method.

USDC → Base → Local rail

Your users receive funds

Settlement confirmation posts back to your webhook endpoint within seconds of completion. The response includes corridor, execution rate, fees, on-chain transaction hash, and settlement timestamp — everything your reconciliation layer needs.

payment.settled webhook
See it in action

Watch how Borderless works

A quick walkthrough of the infrastructure, corridors, and what operators get out of the box.

Developer-first

One call to move money anywhere

A single POST /v1/payments initiates the full payment lifecycle — compliance checks, FX, on-chain settlement, and fiat last-mile delivery. Your application never touches a blockchain, a wallet key, or a sanctions list.

202 Accepted in <500ms
Idempotency-Key required
Webhook on every state change
Advisory FX quote upfront
On-chain tx hash returned
Get API Access 
// Request
{
  "source": {
    "currency": "USD",
    "amount": 2500.00,
    "sender": {
      "id": "usr_6bNpQrTvWxYzAcDe"
    }
  },
  "destination": {
    "currency": "NGN",
    "recipient": {
      "full_name": "Ngozi Okonkwo",
      "bank_code": "058",
      "account_number": "0123456789"
    }
  },
  "corridor": "US_NG"
}
{
  "id": "pay_5Kn2mLpQrTvWxYzA",
  "status": "processing",
  "fx": {
    "advisory_rate": 1618.40,
    "execution_rate": null,
    "note": "Confirmed at settlement"
  },
  "destination": {
    "estimated_amount": 4034817.80,
    "currency": "NGN"
  },
  "compliance": {
    "sanctions_check": "clear",
    "travel_rule_status": "transmitted"
  },
  "estimated_completion": "2026-04-03T14:22:55Z"
}
Active corridors

Six corridors live. More in active development.

Every corridor includes real-time FX, full compliance stack, and last-mile fiat disbursement. Corridor availability is returned live via GET /v1/assets.

Corridor
Settlement method
Currency pair
Settlement
Status
US → Nigeria
ACH + Yellow Card last-mile
USDC / Bank transfer
USD / NGN
< 60s
Live
US → Mexico
ACH + SPEI domestic
USDC / Bank transfer
USD / MXN
< 60s
Live
UK / EU → Nigeria
SEPA Instant + local bank
USDC / Bank transfer
GBP · EUR / NGN
< 60s
Live
GCC → South Asia
Local bank disbursement
USDC / Bank transfer
AED · SAR / PKR
< 60s
Beta
EU → Francophone W. Africa
SEPA + mobile money
USDC / Mobile money
EUR / XOF
< 60s
Beta
US → Philippines
ACH + InstaPay
USDC / Bank transfer
USD / PHP
< 60s
Q3 2026
US → Nigeria
ACH + Yellow Card last-mile
USD / NGN Live
US → Mexico
ACH + SPEI
USD / MXN Live
UK / EU → Nigeria
SEPA + local bank
GBP · EUR / NGN Live
GCC → South Asia
Local bank disbursement
AED · SAR / PKR Beta
EU → Francophone W. Africa
SEPA + mobile money
EUR / XOF Beta
US → Philippines
ACH + InstaPay
USD / PHP Q3 2026
Compliance

Compliance is load-bearing infrastructure

Not a checkbox. Every payment on Borderless passes through the full stack before it moves. You get a clean audit trail and a defensible program — without building a compliance team.

Tier 1 KYC
Document verification, passive liveness check, and sanctions screening. Full API mode — operators own the UX.
OFAC Screening
Real-time OFAC, UN, EU, and UK consolidated sanctions list screening on sender and beneficiary — every transaction, no exceptions.
AML Monitoring
Velocity rules, structuring detection, counterparty screening, and geographic risk flags. Flagged transactions enter an internal review queue with SLA enforcement.
Travel Rule
Notabene TRISA integration transmits Travel Rule data to counterparty VASPs before on-chain settlement is dispatched. Active at MVP for all corridors.
Audit Trail
Immutable, hash-chained audit log for every compliance event. Exportable in JSON or CSV. Retained 7 years with S3 Glacier archival.
FinCEN MSB
FinCEN MSB registration filed. Priority state MTL applications in progress. CTR workflow automated for qualifying transactions.
SOC 2 Type II
Audit in progress. Report targeted for Month 18. Type I controls documentation complete.
EU EMI License
Partner EMI license active for Phase 2 virtual IBANs. Own EU EMI license application on the roadmap; timeline subject to funding.
Compliance is not delegated to operators by default Borderless operates under Model 1: we own the KYC, AML, and sanctions screening obligations. Operators embed the API; Borderless maintains the program. Model 2 (shared compliance for licensed operators) is a Phase 2 feature for operators with their own compliance infrastructure.
Get early access

Start sending payments in days,
not quarters.

Borderless operator accounts include sandbox access, full API documentation, and a dedicated integration engineer for the first 30 days. No minimum volume commitment at the start.

We'll be in touch within 1 business day.

By submitting you agree to our Privacy Policy. We will not send marketing email without your consent.

Sandbox access within 24 hours
No minimum volume commitment
Dedicated integration engineer first 30 days