# Fern

> Global money movements in record time

Fern enables global money movements across fiat, stablecoins, and cryptocurrencies in multiple countries through API infrastructure and business banking services.

Fern provides financial infrastructure for global money movements across fiat currencies, stablecoins, and cryptocurrencies. The platform offers API services for developers to integrate cross-border payments and currency conversions, plus business banking accounts with onchain capabilities. Users can move money between different payment methods and currencies with compliance handling and routing optimization.

- Type: Company
- Sector: Payments
- Status: Active
- Founded: 2022-01-01
- Profile: https://thegrid.id/profiles/fern

## Products

- [Fern API](https://thegrid.id/profiles/fern): Fern API is a B2B financial infrastructure platform for developers, providing global on/off ramps, wallets, virtual accounts, yield, and card issuance across crypto and fiat rails, enabling teams to build and launch white-labelled financial products in under a week. (Financial Services Platform, Live, Main Product)
- [Fern Business Banking](https://thegrid.id/profiles/fern): Fern Business Banking is an onchain neobank for global businesses and teams, offering USD virtual accounts, crypto-to-fiat and fiat-to-crypto on/off ramp, instant crypto payments, automatic conversion rules, and Gnosis Safe-based multichain wallets. (Financial Services Platform, Live)

## Links

- [Main](https://www.fernhq.com)
- [Documentation](https://docs.fernhq.com)
- [Product](https://app.fernhq.com)
- [Twitter / X](https://x.com/fernhq_)
- [LinkedIn](https://linkedin.com/company/fernmoney)

## 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