# Echo Money > The financial layer the world runs on Echo Money is a cross-border payments platform that lets businesses send and receive money globally via local bank rails, SWIFT, SEPA, and stablecoin corridors. Echo Money is a financial infrastructure company that provides cross-border payments and treasury tools for businesses operating across multiple markets and currencies. It is built for companies that need to collect, convert, and pay out funds internationally without relying on a patchwork of local banking relationships. Through a single platform and API, businesses can issue multi-currency accounts, initiate cross-border payments, and convert between stablecoins and local fiat currencies. The platform routes each payment through the local rail best suited to the destination market, combining bank transfers, card networks, and stablecoin corridors to move funds with same-day or near-instant settlement. It also provides automated reconciliation, a double-entry ledger, and treasury management tools so finance teams can track balances and cash flow across markets from one dashboard. The company operates as a licensed and regulated payment services business, publishing its registered status as part of its compliance posture. Echo Money's core offerings span a payment gateway, global payouts, global collections, and stablecoin-based payment and payout rails, alongside a developer-facing payment API and virtual account issuance. It is used by platforms, marketplaces, and businesses that pay suppliers, collect from international customers, or manage treasury operations across a wide range of supported countries and currencies. - Type: Company - Sector: Payments - Status: Active - Profile: https://thegrid.id/profiles/echo_money ## Products - [Echo OTC Desk](https://thegrid.id/profiles/echo_money): Echo OTC Desk is a bilateral trading service for large-volume stablecoin and fiat currency transactions. It provides locked pricing, wholesale exchange rates, same-day settlement, and dedicated dealer support for transfers of $100,000 or more. Clients engage directly with a dedicated dealer through encrypted channels, with escrow-protected settlement and compliance checks applied across all corridors. The desk operates continuously, independent of market hours. (OTC, Live) - [Echo Money](https://thegrid.id/profiles/echo_money): Echo Money is a financial infrastructure platform for businesses. It provides multi-currency account issuance, cross-border payment routing across local bank rails, SWIFT, SEPA, and stablecoin corridors, card processing, treasury management, and a double-entry ledger with automated reconciliation, all accessible via a web dashboard and a whitelabel REST API. The platform connects to multiple local payment rails including UPI, PIX, M-Pesa, and SEPA Instant, and supports stablecoin settlement using USDC, USDT, and EURC across multiple networks. Payments are routed automatically to the fastest available rail, with most transactions settling in under one minute. (Financial Services Platform, Live, Main Product) ## Links - [Main](https://echo.money) - [Documentation](https://api.echo.money/echo/docs) - [Privacy policy](https://echo.money/assets/privacy-policy-echoMoney.pdf) - [Terms of Service](https://echo.money/assets/terms-and-conditions-echoMoney.pdf) - [Blog](https://echo.money/blog) - [LinkedIn](https://www.linkedin.com/company/echo-money) - [Twitter / X](https://x.com/echomoneyHQ) ## 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. Trademarks, logos, and brand names (marked "Special TPIP") are not covered by the ODbL. 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