Settlement Facility

Settlement liquidity, without the wait.

TransFi fronts your payouts the moment they are initiated - so recipients are paid instantly while the underlying settlement clears in the background.

Settlement delays quietly cost global businesses billions in working capital.

Cross-border payments still take days. Funds are locked in correspondent networks while suppliers, payroll and partners wait. Businesses either delay operations or borrow to bridge the gap.
Why choose Settlement Facility

A liquidity layer that keeps payments moving.

TransFi injects instant liquidity against your incoming settlement, so funds continue flowing to recipients while the underlying transfer completes in the background.

Instant liquidity
Draw against pending settlements the moment they're initiated - no delays, no borrowing.
Stablecoin treasury
Institutional-grade USDC and USDT reserves held with regulated custodians and audited monthly.
Native FX
Convert into 60+ local currencies at institutional rates with settlement into domestic rails.
Comparison

Traditional settlement vs TransFi.

TRADITIONAL
T+2
T+5
Funds locked in correspondent chain
T+2 to T+5 settlement times
FX conversion at multiple hops
Opaque status and reconciliation
Manual treasury operations
TRANSFI SETTLEMENT FACILITY
T+0
Instant liquidity against pending settlement
T+0 recipient credit, background completion
Single FX conversion at institutional rate
Real-time status via API and webhooks
Automated reconciliation and reporting
Global coverage

A settlement network in every major corridor.

Local rails across 40+ countries, connected to a shared stablecoin treasury. One integration, worldwide reach.

Trust & compliance

Enterprise-Grade Security & Compliance

DEVELOPERS

Move value with a single request.

A single POST kicks off funding, FX, and local payout. Idempotent endpoints, typed SDKs in TypeScript, Python and Go, and webhooks for every state transition.
Idempotent, versioned REST API
Signed webhooks for every state change
Sandbox with realistic settlement timing
Security & Compliance

One API. A complete settlement stack.

Every layer of the payment path - from your merchant surface to local recipient rails - is orchestrated through a single, type-safe API and observable in real time.

AI-Powered Fraud Detection

Real-time transaction scoring using machine learning models trained on billions of transactions.

Global Compliance Infrastructure

AML, KYC, and regulatory compliance embedded at every touchpoint across 70+ jurisdictions.

PCI DSS

The highest level of payment security certification, protecting every card transaction end-to-end.

Transaction Monitoring

Continuous 24/7 monitoring with instant alerts and detailed audit trails for every payment.
ENTERPRISE READY

Built for treasury, trusted by compliance.

FAQs

Frequently Asked Questions

What is Ramp?

TransFi accelerates the adoption of digital assets, including stablecoins while delivering a cost-effective solution for global transaction" to "TransFi accelerates the adoption of digital assets while delivering a cost-effective solution for global transactions.

What can I use Ramp for?

Ramp is a versatile solution built on a robust global payment infrastructure, catering to various needs within the DeFi and Web3 ecosystem. It simplifies on-ramping, enabling users to convert fiat currencies into digital assets, including stablecoins, effortlessly, providing an accessible entry point to cryptocurrencies and Web3 applications. Additionally, its off-ramping capabilities make it simple to convert stablecoins and other digital assets back into fiat, ensuring smooth cash-outs and settlements. Ramp also supports smooth participation in DeFi platforms, offering instant access to both stablecoins & digital assets for activities like staking, lending, and yield farming. By integrating Ramp, businesses can leverage its comprehensive global payment network to deliver a smooth and accessible transaction experience, driving greater adoption and utility in the digital economy.

Do I need to be a registered business?

Yes, Ramp can be used only by registered businesses. If you are not yet registered as a business but plan to start soon, you can signup and explore the product in test environment. We can also set up an account with limits on Ramp volume after understanding your business and future needs.

How can I get started? What documents are needed?

For rapid Ramp account activation, contact us at sales@transfi.com. For inquiries or custom solutions, including Ramp API integration, reach out to our sales team, and we'll respond within 24 hours. You can also explore our test environment and use test API credentials to trial the integration before going live.

What is meant by prefunding? Am I sending funds to TransFi first?

Prefunding involves depositing funds with TransFi in advance to enable instant processing of transactions, such as buying and selling digital assets, including stablecoins, or making payouts. These funds act as a reserve, ensuring smooth and delay-free operations. You’re not paying TransFi but ensuring smoother transactions through their global payment infrastructure, enhancing reliability and user experience.

How long does it take to transfer funds?

Transfers can be instant or batched depending on your configuration. In Instant asset transactions, we initiate the amount on a realtime basis to the recipient and it is processed as per bank settlement cycle. For batched transaction, the fiat/coins, including stablecoins, are processed in a batch as per pre-agreed cutoff time post which it is processed as per bank settlement cycle.

Do you support Ramp to all banks and bank accounts?

Yes, you buy assets, including stablecoins to any active wallet or get back your fiat to your current bank account in our supported countries.

Can I assign Maker - Checker roles to request and approve transfers?

As an admin, you can invite teammates and assign them specific roles such as Maker and Approver for direct and batch transfers. Makers initiate transfers, which then appear on the 'Approve' screen for Approvers to review and either approve or reject. This system distributes responsibilities and enhances accountability in managing settlements.

How can I track realtime status once a payout has been initiated?

You can track status by visiting the Transactions screen of your Ramp platform. For any prefunding or asset transaction, including stablecoins, there are dedicated entries to help you reconcile and track efficiently. Our multi-currency payments system helps you check  status across different currencies easily.

What happens in case the account details are incorrect?

Transfers to incorrect account details fail instantly once initiated. For certain banks, it may take up to 24 hours to receive a confirmation of failure.

Can I receive notifications about payment status changes and other events related to my Ramp?

With Webhooks, you can automatically receive updates on payment statuses. Set up a webhook to monitor events like status changes in payments, including stablecoins, which can be triggered by your requests, processed both synchronously and asynchronously. While most updates are immediate, some payment methods may take longer. TransFi will notify you as soon as the bank confirms the payment status.

Ready to remove settlement from your critical path?

Talk to our team about facility sizing, corridors and integration timelines.