# 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 platform for businesses operating across multiple markets and currencies. Users can issue multi-currency accounts, initiate cross-border payments with sub-minute settlement, and convert between stablecoins and local fiat through a single API. The platform routes each payment through the optimal local rail—UPI, PIX, M-Pesa, SEPA Instant, or stablecoin corridors—and includes automated reconciliation, a double-entry ledger, and treasury management tools.

- 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 FX rates, T+0 settlement, and dedicated dealer support for transactions of $100,000 or more. Clients engage directly with a dedicated dealer via encrypted channels, with escrow-protected settlement and AML/CFT compliance across all corridors. The service operates 24 hours a day, seven days a week. (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)
- [LinkedIn](https://www.linkedin.com/company/echo-money)

## 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. For ML/AI use: training datasets that substantially extract ODbL data are Derivative Databases and must be shared under ODbL if publicly used; models must be attributed in documentation.

Model 2 - commercial licenses. The Grid Data Service (TGDS) is also available as a commercial license. See [Web Services Terms](https://about.thegrid.id/legal/web-services-terms) for commercial use that is not covered by the open data service.

The following applies to both licensing models.
- All data is provided AS IS with no guarantees of accuracy.
- The Grid does not provide investment, legal, or tax advice, and
- a project's presence in The Grid's data does not imply endorsement.


- [Data Licensing & Disclaimers](https://about.thegrid.id/legal/data-licensing-and-disclaimers): Licensing models and disclaimers
- [Open Data (ODbL)](https://about.thegrid.id/legal/open-data): Open Database License terms and scope for The Grid's open data service.
- [Attribution Guidelines](https://about.thegrid.id/legal/open-data-attribution-guidelines): How to attribute The Grid's data when using the open data service.
- [Web Services Terms](https://about.thegrid.id/legal/web-services-terms): commercial Terms for using data services.
- [All Legal Documents](https://about.thegrid.id/legal): Full index of terms, policies, and disclosures

## Optional

- [TGS Field Descriptions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-field-descriptions.md): Schema field definitions for The Grid's data model
- [TGS JSON Structure](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-json-structure.md): Data model structure and relationships
- [Product Type Definitions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-definitions.md): Definitions for each product type
- [Product Type Classification](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-classification.md): Guide for classifying products into types
- [Grid MCP Guide](https://github.com/The-Grid-Data/workspace-public/blob/main/grid-search/skills/grid-query/references/grid-mcp-guide.md): How to query The Grid programmatically via MCP