# 1Konto > Real-time cross-border settlement and institutional liquidity powered by stablecoins 1Konto is a financial services company operating the 1KPrime platform for institutional cross-border settlement. It offers stablecoin-powered payments, OTC trading, and Bitcoin-backed lending exclusively to institutions, not retail users. 1Konto is a financial services company operating under the 1KPrime brand, providing institutional cross-border settlement and liquidity services powered by stablecoins. It connects fiat and digital asset markets through a unified platform covering payments, trading, and credit. The company serves banks, asset managers, trading firms, payment service providers, and corporate treasuries rather than retail users. 1KPrime combines a unified API with a 24/7 trading desk to move funds across local fiat rails in multiple currencies and convert between stablecoins and cash within the hour. It is registered as a money services business and applies standard compliance screening to institutional clients. Bitcoin collateral used for credit lending is held with regulated custodians without rehypothecation, and settlement instructions are returned with low latency across every supported rail. The product suite includes 1KPrime Flow for automated treasury movement and settlement, 1KPrime Trading for over-the-counter execution across fiat, stablecoins, and Bitcoin, and 1KPrime Lending for Bitcoin-backed credit funded the same day. These services are used by payment service providers, trading firms, and corporate treasuries seeking faster settlement, tighter spreads, and centralized institutional liquidity access. - Type: Company - Sector: Finance - Status: Active - Founded: 2018-01-01 - Profile: https://thegrid.id/profiles/1konto ## Products - [1KPrime Trading](https://thegrid.id/profiles/1konto): 1KPrime Trading is an OTC trading desk that lets institutions request firm quotes and execute block trades across fiat currencies, stablecoins, Bitcoin, Ethereum, and Solana. Users submit requests for quotes through chat, a web console, or an API, and the desk sources pricing across many liquidity venues to fill orders with minimal slippage. Settlement to bank accounts or digital wallets completes within about one to two hours, with continuous desk support serving funds, market makers, and exchanges. The platform also provides a web-based order and charting interface for monitoring pricing and trade activity. (OTC, Live, Main Product) - [1KPrime Flow](https://thegrid.id/profiles/1konto): 1KPrime Flow is a payments infrastructure platform that automates cross-border settlement for fiat currencies and stablecoins. It executes multi-leg currency conversions and routes funds through local banking rails or digital wallets, settling transactions within about one to two hours instead of the days typical of traditional transfers. Automated compliance screening and a unified treasury dashboard support payment service providers, marketplaces, asset managers, and corporate treasuries. (Payments Infrastructure & Orchestration, Live) - [1KPrime Lending](https://thegrid.id/profiles/1konto): 1KPrime Lending is a centralized lending service that extends credit to institutions against Bitcoin collateral. Loans of up to 70 percent loan-to-value are funded the same day in stablecoins or fiat currency, with collateral held at Tier-1 custodians without rehypothecation. The service also accepts other digital assets as collateral and manages risk through defined margin-call and liquidation thresholds. (Centralised Borrowing & Lending, Live) ## Links - [Main](https://www.1konto.com) - [Documentation](https://docs.1konto.com/1konto-v1.0-api-docs) - [Privacy policy](https://www.1konto.com/privacy) - [Terms of Service](https://www.1konto.com/terms-of-service) - [LinkedIn](https://www.linkedin.com/company/1konto) - [Twitter / X](https://x.com/1Konto_) - [Substack](https://1konto.substack.com) ## Legal This data is provided under two licensing models. Model 1 - open data. The open data core is licensed under the Open Database License (ODbL) — a copyleft/share-alike license allowing free use, modification, and sharing for any purpose. Attribution is required: include "Powered by The Grid" linking to https://thegrid.id wherever the data is used. Derivative databases must be shared under ODbL terms. 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