XRPay
Start free

Plaid, IBAN, and SWIFT: Unlocking True Global Commerce with Unified Crypto Rails

Abstract Global Network

Accepting a crypto payment is technically easy. You can spin up a non-custodial wallet in three minutes.

The hard part isn't taking the crypto. The hard part is compliantly moving that value across borders and getting the fiat into your local business bank account.

The Fragmentation of Banking

Global banking is highly fragmented. What works for a merchant in New York (ACH) doesn't work for a merchant in Berlin (SEPA) or Singapore (SWIFT). If your payment gateway only settles to US accounts, your "global" payment solution isn't actually global.

You shouldn't have to build bespoke integrations for every region you operate in.

One API, Worldwide Settlement

XRPay acts as a unified abstraction layer over the world's most complex banking rails. We handle the fiat off-ramping so you don't have to.

  • 1

    Plaid Integration

    Direct, automated ACH settlements for US merchants, verified instantly.

  • 2

    IBAN / SEPA

    Native EUR settlements across the European Union with no correspondent bank delays.

  • 3

    SWIFT

    Global wire transfers for international merchants reaching over 190 countries.

You don't need to manually string together a crypto exchange, a compliance provider, and a local bank. XRPay handles the routing, compliance, and settlement programmatically through a single endpoint.

Set Up Your Global Account