Supported Corridors

A corridor is a source-to-destination payment path. US to Philippines is a corridor. The routing protocols, off-ramp partners, local banking rails, typical fees, and average settlement times all differ per corridor. We track and optimise each one independently.

We launch with three. They were chosen because they represent three of the largest remittance markets in the world and because we have confirmed partner coverage, regulatory clarity, and validated routing on all three before opening them to users.

US to Philippines

Annual remittance volume: Approximately $40 billion.

Recipient payout methods: InstaPay bank transfer, GCash, Maya, bank account deposit.

Primary off-ramp partner: Coins.ph

Fallback partners: Transak, Guardarian

Typical settlement time: Under 5 minutes from payment initiation to fiat in recipient account.

Typical fee range: 0.3% to 0.8% all-in depending on amount and route.

Local banking rail: InstaPay - the Philippines' real-time gross settlement system, available 24 hours a day, seven days a week, supporting transfers to all major Philippine banks.

Why this corridor first: The Philippines is the third largest remittance-receiving country in the world. There are over four million Filipinos in the United States sending money home regularly. The Bangko Sentral ng Pilipinas has one of the most progressive crypto regulatory frameworks in Southeast Asia. Coins.ph is a licensed financial institution with deep peso liquidity and an established API. The combination of market size, regulatory clarity, and partner readiness made this the obvious first corridor.

US to Nigeria

Annual remittance volume: Approximately $24 billion - the largest single remittance corridor into Africa.

Recipient payout methods: NIBSS bank transfer to any Nigerian bank account, GTBank, First Bank, Zenith, Access Bank, and all other major Nigerian commercial banks.

Primary off-ramp partner: Yellow Card

Fallback partners: Coinprofile, Transak

Typical settlement time: 2 to 5 minutes from payment initiation to naira in recipient account.

Typical fee range: 0.4% to 1.0% all-in.

Local banking rail: NIBSS Instant Payment - Nigeria's real-time interbank settlement system.

Why this corridor: Nigeria has 220 million people, the largest economy in Africa, and a diaspora that sends tens of billions home annually. Yellow Card is licensed under the CBN framework, has naira liquidity in Nigerian bank accounts, and has been processing crypto-to-fiat transfers at scale for years. The Nigerian stablecoin adoption rate is among the highest in the world - users on the sender side are already comfortable with USDC. The regulatory environment post the CBN's 2023 and 2024 clarifications is navigable with the right licensed partner.

US to Mexico

Annual remittance volume: Approximately $64 billion - the single largest remittance corridor in the world.

Recipient payout methods: SPEI bank transfer to any Mexican bank account, OXXO Pay for cash pickup.

Primary off-ramp partner: Bitso

Fallback partners: Transak, Mercuryo

Typical settlement time: Under 2 minutes from payment initiation to pesos in recipient account when using SPEI.

Typical fee range: 0.3% to 0.7% all-in.

Local banking rail: SPEI - Mexico's electronic interbank payment system, operated by the Banco de Mexico, available 24 hours a day and typically settling in seconds.

Why this corridor: The US-Mexico corridor is the largest remittance corridor on earth. There are approximately 11 million Mexican-born people living in the United States. Bitso is Mexico's largest and most regulated crypto exchange, licensed as a SOFOM under CNBV, with deep MXN liquidity and one of the best-documented business APIs of any off-ramp partner anywhere. SPEI's speed means the end-to-end experience for the recipient is genuinely better than anything traditional remittance providers offer.

More Coming

The next corridors in the pipeline, in priority order based on market size and partner readiness:

US to India - $125 billion annual remittance market. UPI makes instant delivery technically straightforward. Working on partner confirmation.

US to Brazil - PIX, Brazil's instant payment system, is one of the most successful real-time payment rails ever built. Bitso has BRL coverage. Timeline: shortly after Mexico launch.

US to Europe - EUR via SEPA Instant, GBP via Faster Payments. Guardarian and Mercuryo are partners ready to go. Lower priority because the existing infrastructure for US-Europe transfers is already relatively good.

US to Ghana and Kenya - Yellow Card covers both. Expanding Africa coverage alongside Nigeria once the Nigeria corridor is stable.

If you have a specific corridor you need and it is not listed, reach out. We are making partner and regulatory decisions partly based on where demand is coming from.