Arayo

Cross-border rails for companies that move money

You run a PSP, a remittance product or a fintech with global ambitions. Your customers want corridors you do not have, faster than you can build them. Arayo is the settlement layer underneath: stablecoin rails, licensed payout partners in 150+ countries, one API between you and all of it.

payment

Build vs buy, honestly

Building one new corridor properly means a local licence or sponsor, a banking relationship, an FX desk, a compliance programme and an ops team for when payouts fail at 2am. Per corridor. Most teams that start this build stop at three corridors and a backlog.

Arayo has already done that work across the network. You integrate once and inherit the coverage, the licences underneath, and the routing that keeps payout success rates up. Your roadmap goes back to your product.

How providers use Arayo

Corridor extension

Keep your existing rails where they are strong; route the corridors you lack through Arayo. Your customer never sees the seam.

Settlement upgrade

Replace slow nostro-funded settlement on specific lanes with stablecoin settlement that clears in minutes and frees trapped liquidity.

Ramp infrastructure

Offer your customers fiat/stablecoin conversion using Arayo's on/off ramp under your brand.

Treasury accounts

Named multi-currency accounts for your float, with conversion when you choose.

Built to be built on

API-first

Idempotent endpoints, webhooks, sandbox parity, versioned changes. [DETAIL: docs link]

White-label ready

Your brand in front, Arayo underneath. Payout references and notifications can carry your name.

Compliance you can show your regulator

UK-licensed [DETAIL: FCA reference], licensed partners in every payout market, screening on every leg, audit-ready reporting. Your compliance team gets real answers, not a logo wall.

Liquidity efficiency

Minutes-level settlement means you pre-fund less and recycle float faster. [STATS: typical pre-funding reduction]