Move business money anywhere. Without the friction.
Arayo is a B2B money movement platform. We move funds between 190 countries on stablecoin rails: your currency in, regulated stablecoins across the middle, local currency out through licensed payout partners. Transfers settle in minutes, not days. Every leg is traceable. The price on screen is the price that lands.
Built for businesses managing complexity across borders
If your business pays suppliers in Lagos, collects from customers in Hong Kong, and holds working capital in three currencies, you already know the problem. Cross-border payments through correspondent banking are slow, opaque and priced against you. A payment can sit in SWIFT limbo for five days with nobody able to say where it is.
Arayo replaces that chain with one platform. Send, receive, hold and convert. One integration, one view of every payment, one rate shown before you commit.
What you can do with Arayo
Cross-border payments
Pay suppliers, staff, contractors and partners in 190 countries. Stablecoin settlement cuts transfer times from days to minutes.
Multi-currency named accounts
Open accounts in your company's name. Collect like a local business, hold balances in the currencies you trade in, and convert when the rate suits you.
Fiat and crypto on/off ramp
Move between fiat and digital assets in 190 countries through one API. Licensed partners handle the local leg in every market.
How the stablecoin sandwich works
You fund the payment in your currency.
Arayo converts it to a regulated stablecoin and moves it across blockchain rails.
A licensed payout partner converts to local currency and settles to your recipient's bank or wallet.
Three legs, fully visible, each one timestamped. No correspondent banks.
No mystery fees deducted along the way.
Who uses Arayo
Licensed and accountable
Arayo is licensed in the UK [DETAIL: FCA reference number] and works with a vetted network of licensed on/off ramp partners in receiving markets. Funds are safeguarded in line with UK payment regulations. Sanctions and AML screening run on every transaction.
