Arayo routes and bridges cross-border payments over stablecoin rails instead of correspondent banks. You see one all-in rate before you send, most corridors settle in minutes, and every leg is traceable. Over 150 countries, including the ones the old rails serve worst.
Why do international business payments still take up to five days? Perhaps because they still rely on infrastructure designed in the 1970s. A typical SWIFT payment passes through two to four correspondent banks, and each one adds time, cost and a chance of failure.
What lands on your desk: settlement in two to five days, fees deducted mid-route, an FX spread you never agreed to, and a support queue when a payment goes quiet.
Emerging-market corridors get the worst of it, because fewer correspondent relationships mean longer chains and more failures.
June 24, 2026 | 9:30AM
You fund in your home currency by bank transfer or from your Arayo multi-currency account.
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Arayo converts to a regulated, fully reserved stablecoin and moves value across blockchain rails. This leg settles in seconds and is visible on-chain.
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A licensed payout partner converts to local currency and settles to your recipient's bank or wallet.
Most corridors settle in minutes. Long-tail corridors settle same day.
One all-in rate shown before you send. No deductions along the route. What you approve is what lands.
Every payment has an end-to-end reference. The middle leg is verifiable on-chain. Finance teams stop emailing banks to ask where the money is.
Correspondent banking is thinnest exactly where many businesses now trade: across Africa, Southeast Asia and Latin America. Payout to over 150 countries to bank accounts, crypto and mobile wallets.
Sanctions, AML and counterparty screening on every transaction, on every leg.
Your team sends and receives fiat currency. The stablecoin leg happens inside the platform: regulated issuers, screened wallets, full reporting. Exports reconcile against your ERP/CRM and every payment carries the reference data your auditors expect. Nobody on your side needs to touch a wallet or learn a new vocabulary.
