Zero-custody orchestration API that converts stablecoins to local fiat and settles directly to bank accounts — handling the rails, compliance, and licensed partners for every corridor, so you don't have to.
The technology to move money in seconds, at near-zero cost, is already here. The problem is that reaching it means solving a different set of problems — one per corridor, per regulator, per rail.
Send USDC or USDT from your EVM wallet to the ORCA smart contract. That's the only action on your side. Webhooks confirm receipt within seconds.
ORCA routes through the right licensed partner for that corridor, handles the stablecoin-to-fiat conversion atomically, and manages compliance at every step — regulations, KYC checks, Travel Rule. None of it surfaces to your integration.
Funds arrive in the recipient's local bank account via the local rail — PayNow, BI-FAST, InstaPay, or others. They never need to touch crypto, open a wallet, or know what a stablecoin is.
curl https://api.orcarails.com/v1/transfers \ -H "Authorization: Bearer sk_live_…" \ -d '{ "source": { "asset": "USDC", "amount": "25000.00", "chain": "base" }, "destination": { "rail": "paynow", "country": "SG", "id": "+65 8123 4567" }, "idempotency_key": "txn_8a91…" }' # → corridor routing, compliance, and settlement handled — ~58s end-to-end
ORCA never holds your funds. Your USDC moves directly from your EVM wallet through the smart contract to the destination rail — atomically. No balance sheet risk, no commingled accounts, no counterparty exposure to ORCA.
Every transfer has a full audit trail — source wallet, conversion rate, rail used, settlement timestamp, and webhook history. Real-time status on every state change. Nothing is a black box.
Counterparty verification, Travel Rule compliance, and ongoing transaction monitoring run automatically on every transfer. We handle the regulatory layer so you don't have to build or maintain it per corridor.
REST API with webhooks, idempotency keys, signed callbacks, and a full sandbox environment. Integrate once — adding a new corridor is a config change, not an engineering project.
Each corridor below represents a licensed partner relationship, a local rail integration, and a compliance framework — you just call the API.
Average settlement speed and all-in cost across common cross-border B2B payment methods. Lower is better.
Settlement times are averages across active SEA corridors. Cost figures include FX spread, transfer fees, and intermediary deductions. ORCA figures reflect live corridor data.
You hold treasury in stablecoins. Your vendors, contractors, and partners expect local fiat. Building the corridor infrastructure yourself isn't your business — it's a distraction from it.
You have on-chain assets and off-chain obligations — staff, counterparties, and vendors who need local fiat. The compliance and rail complexity of going direct is the exact problem you shouldn't be solving internally.
You're building a payments product and want stablecoin rails as a backend — without becoming a stablecoin company. ORCA plugs into your existing flow as a settlement layer, invisible to your end users.
Tell us about your use case. We'll reach out within 24 hours with sandbox credentials and pricing.