Arayo

One desk, every direction

Fiat to fiat. Fiat to crypto. Crypto to fiat. Crypto to crypto. Live rates you see before you commit. Arayo's desk handles business currency exchange in all four directions, from one balance, with one counterparty.

payment

What the desk is for

Paying a EUR supplier from your GBP balance. Converting USDC treasury to local fiat before payroll. Moving between stablecoins without touching an exchange. Most businesses solve these with three different providers and a spreadsheet; the desk is corporate FX and crypto conversion in one place. Quote first, commit second: the rate on screen is the rate that settles, benchmarked against mid-market.

Built for business volumes

This is not a retail widget. The desk is built for operating companies, platforms, OTC desks and corporates moving meaningful volume.

Named accounts

You trade from an account in your company's name, not a pooled wallet with a reference code.

Screened wallets

Crypto legs settle only to wallets that have passed screening, yours included. Set them up once, trade against them from then on.

Predictable settlement

Fiat legs settle same day in major currencies. Stablecoin legs settle in seconds. You see the expected time with the quote.

One counterparty

Four directions through one relationship, one onboarding and one statement, instead of an FX broker, an exchange and a ramp provider who have never heard of each other.

Where it works

Exchange between major trading currencies and regulated stablecoins, with fiat settlement in over 150 countries, including the markets where banking access is hardest: across Africa, Southeast Asia and Latin America. The desk also carries Arayo's stablecoin on/off ramp: local fiat in, stablecoins to your designated wallets, and back out again to bank accounts, crypto or mobile wallets.

On ramp and off ramp under one framework

Most companies solving this today stitch together a different provider in every market, each with its own onboarding, its own compliance standards and its own failure modes. Arayo gives you both directions through one API and one compliance framework, with licensed partners handling the local leg. Add a market by turning it on, not by starting another three-month vendor process.

Questions we get from businesses

Regulated, fully reserved stablecoins from licensed issuers, against major local currencies.