Arayo is a B2B money movement platform: payments to over 150 countries over stablecoin rails, business accounts in your company's own name, and an exchange desk for fiat and crypto. Use one product or all three.
Businesses that trade internationally without the right banking partner. Wrong incorporation country, non-resident directors, corridors labelled "complex": if that's you, you're who we built this for.
No. Your team sends and receives ordinary currency. Stablecoins are the rail in the middle of a payment, managed inside the platform, and you never have to touch them. If you do want to hold or convert digital assets, the exchange desk and ramp are there.
No. The products are separate. Fund each payment by bank transfer if payments are all you need. An account just makes repeat flows easier: one balance, one onboarding.
Payments
Two to five days through the SWIFT correspondent chain, longer on emerging-market corridors, and fees are often deducted along the way. That's the system we route around, not the one we run on.
Most corridors settle in minutes. Long-tail corridors settle same day. You see the expected time before you send.
Three legs. You fund in your currency, Arayo moves the value across borders as a regulated stablecoin (seconds, verifiable on-chain), and a licensed local partner pays out in the destination currency to a bank account, crypto or mobile wallet.
No correspondent chain, so nobody in the middle takes a cut. You get one all-in rate before you send, benchmarked against mid-market. What you approve is what lands.
Yes. Every payment carries an end-to-end reference, and the middle leg is verifiable on-chain. No emailing a bank to ask where the money went.
Over 150, to bank accounts, crypto and mobile wallets, including markets correspondent banking serves badly across Africa, Southeast Asia and Latin America.
Accounts
An account that holds more than one currency, so you can collect EUR, pay USD and keep GBP without converting at every step. Arayo's version adds the part most providers skip: it's in your company's name.
Most providers pool your money under their own name and give you a reference code. A named account carries your company's name, so customers recognise who they're paying, bank screening passes cleanly, and reconciliation stays sane.
Yes. Account details are issued in your company's name, not pooled under ours.
Yes. We accept businesses from over 100 countries of incorporation, including most of the ones that trigger automatic rejections elsewhere. We look at the business, not just the registry entry.
Yes. Arayo provides accounts through regulated partner institutions. For day-to-day use it works the way you'd expect an account to work: named, with local details, under your control.
Major trading currencies, with local collection details in key markets. Tell us your corridors and we'll confirm coverage on the call.
Yes. Each entity gets its own named account under one group view.
Straightforward cases within a few days. Complex structures take longer, but you'll have a named person on it, not a ticket queue.
Exchange desk and ramp
It converts between local currency and regulated stablecoins, both directions, in over 150 countries. Fiat in, stablecoins to your wallets; stablecoins in, fiat out to bank accounts, crypto or mobile wallets.
All four directions: fiat to fiat, fiat to crypto, crypto to fiat, and crypto to crypto. One counterparty, one rate shown before you commit.
Yes. Every Arayo product works standalone. Plenty of clients use the ramp and nothing else.
Regulated, fully reserved stablecoins from licensed issuers, against major local currencies.
Businesses, payment companies, family offices, OTC desks, platforms and corporates. We accept companies from over 100 countries of incorporation.
Conversions are typically processed within minutes, depending on the network and regulatory requirements.
Major trading currencies and regulated, fully reserved stablecoins from licensed issuers, in all four directions. Tell us your pairs and we'll confirm coverage.
Benchmarked against mid-market, shown as one all-in rate before you commit. No spread hiding in the conversion, no fee appearing after the fact.
Trust, licensing and security
Arayo is a financial technology platform and is not a bank. The regulated products behind your account are delivered by licensed partners, and Arayo is your single point of access to them. Every destination market runs through a locally licensed partner.
Funds move over regulated rails with a traceable reference on every leg, and client funds are held separately from Arayo's own.
Sanctions, AML and counter-fraud screening on every transaction, on every leg, including the on-chain leg, which is screened at wallet level.
Getting started
Talk to us. A short call about your corridors and volumes, then a written summary of what we can do, then onboarding if it makes sense for both sides. Straightforward cases clear in days.
For payments: one all-in rate shown before each transfer, nothing deducted en route apart from standard network fees. Account and desk pricing depends on your volumes and corridors; you'll get it in writing after the first call, not discover it on an invoice.
