How it works
From invoice to dollars in minutes
The same money, minus the 1985 plumbing. Four steps between your client’s payment and your bank account.
Create your account with an email — KYC stays light under the threshold.
Link a local bank account (MX / AR / CO) or grab a dedicated deposit address per asset.
Deposit fiat or send USDC/USDT/XMR straight to your address. Multi-chain: Ethereum, Tron, Solana, and the L2s.
Balances are live, priced by Chainlink feeds + spot aggregators.
Convert between USD-pegged stablecoins at a flat, published 0.1%.
No hidden spread, ever — the rate you see is the rate you get.
Withdraw to any wallet, or off-ramp to your local bank in minutes-to-same-day.
Large operations run on MPC + multisig — hot wallets only hold operating float.
Sweep jobs keep the treasury cold automatically.
Prefer to hold your own keys? Export your recovery phrase and go non-custodial.
We never hold a cent we don't have to.
Supported chains
We meet you where your client already pays. Deposit addresses are generated per asset, per chain.
Ethereum
USDC / USDT (ERC-20), final in ~12 blocks
Tron
USDT (TRC-20) — dominant on LATAM remittance rails
Solana
USDC (SPL), ~13s finality, pennies of gas
Base · Arbitrum · Optimism
L2s for cheap retail payments
Monero
XMR in — the founder's privacy-coin nod, no KYC
Bitcoin (mainnet + LN)
accepted for deposit, treasury reserve
Treasury, the way it’s supposed to be done
Custodial balances sit behind MPC (multi-party computation) key shares across 2–3 parties — no single server ever holds a full key — plus Gnosis Safe 2-of-3 multisig for the operational wallets. Hot wallets hold only operating float; everything else sweeps to cold storage.
hot_ops · MPC share A/B/C · float only
treasury · Safe 2-of-3 · HSM / air-gapped
sweep rule · >$5k idle → cold vault
Self-custody, always an option
Not your keys, not your coins — we take that seriously. On the non-custodial route you export your own recovery phrase and we simply never have access. Custody is a service you opt into, not a default.
- Export your phrase from the dashboard, anytime
- Sign your own payouts with your own keys
- Keep using Fluvia rails without the vault
Ready to stop waiting on wires?
No card required · Settle in ~90s · Fees from 0.5%