Arayo

150+ countries through one network

Arayo's network is the answer to a simple question: how do you pay into nearly every country on earth without stitching together fifty vendors? Stablecoin rails carry value across the middle. Licensed local partners handle the first and last mile. You integrate once.

How the network is built

Every corridor on the network has three layers.

funding layer

Funding layer

You fund from your Arayo account or by bank transfer in your home currency.

funding layer

Settlement layer

Value crosses borders as regulated stablecoin over public blockchain rails. Seconds, not days, and verifiable on-chain.

funding layer

Payout layer

A local partner, licensed in its market, converts to local currency and settles to bank accounts or mobile wallets.

We vet every partner for licensing, safeguarding, uptime and payout performance, and we route around problems. If a partner degrades, traffic shifts before your payments feel it.

Coverage

Over 150 countries for payouts. Fiat collection and named accounts. Mobile wallet payouts across multiple markets, which matters in economies where wallets are the bank.

Deep corridors include UK and Europe into Africa, Asia into Africa, and major trade lanes across Southeast Asia, North, Central and Latin America.

Why partners, not shortcuts

Some providers reach "global coverage" by quietly using unlicensed local agents. That works until it does not, and it is your money in the middle when it stops working. Arayo only routes payouts through entities licensed in their market. It costs more to build, and it is the only version of this network worth running a business on.

payment

FAQs

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.