How does a PSP work with Fybrus?+
One integration lets you offer instant stablecoin payouts, multi-currency accounts and local payouts to your whole merchant book, on your brand, with no local entities. We settle behind the scenes and give each merchant a wallet and treasury.
What's a stablecoin? Is this volatile crypto?+
USDC and EURC are pegged 1:1 to the US dollar and euro and backed by reserves. They don't swing in value like other crypto, they're simply a faster rail for moving the same money, and your merchants never have to touch a wallet or a chain.
Do our merchants have to touch crypto or manage a wallet?+
Only if they want to. You pick the end destination: settle a merchant in local fiat and they never hold a stablecoin at all, or give them stablecoin balances if that is what they are asking for. Either way it arrives as a balance under your brand, with no keys to manage and no exchange to use, so your sales team never explains a blockchain and your support desk never unwinds one.
How fast do payouts settle?+
It depends on the destination, and there is a real trade-off. Settling to stablecoin is the fast path: under a minute end to end. Settling out to local fiat takes longer, because we convert and then off-ramp at the far end, but it lands far cheaper than a correspondent chain and still same-day in supported corridors. You acquire the fiat as you always have either way, and both routes beat the three-day wait and the FX haircut of traditional banking.
Which currencies and countries?+
Hold and pay out in USDC and EURC, plus 90 fiat currencies across 140 countries. That includes the corridors correspondent banking handles worst, such as Nigeria, Brazil, the Philippines, Kenya and India, and it reaches mobile wallets as well as bank accounts. Same-day local settlement where supported.
Where is money held, and is it safe?+
Balances sit in segregated custody, backed 1:1 and reconciled daily, never commingled, never lent out. Everything is encrypted in transit and at rest, and every payout or withdrawal needs your sign-off.
What does it cost to get started?+
Nothing to start: no integration fee, no monthly minimum and no lock-in. Beyond that it is a few basis points on settled volume, quoted per partner once we know your corridors and the volume you expect. Tell us about your book and we will come back with your rate.
