# Fonbnk > The stablecoin settlement layer for global commerce. Fonbnk is a stablecoin settlement company for global commerce. It converts prepaid mobile payments into stablecoins for cross-border payments and treasury flows in emerging markets. Fonbnk is a stablecoin settlement company that bridges mobile-first, cash-based economies to Web3. It converts prepaid mobile payments such as airtime and mobile money into stablecoins, enabling foreign exchange, cross-border treasury flows, and rapid liquidity for people and businesses without traditional bank access. The company targets emerging markets across multiple continents where conventional money movement rails are costly and complex. The platform connects local payment methods, including mobile money, bank transfers, and prepaid airtime, with stablecoin settlement across a range of blockchain networks. Users and merchants can convert between local currency and stablecoins through a hosted payment widget or a direct API integration, allowing funds to move without traditional intermediaries. This approach is designed to reduce fraud exposure and foreign exchange costs while enabling near real-time settlement. Fonbnk offers products including a pay widget for onramp and offramp transactions, a server-to-server API for embedding conversion into third-party applications, and a topup API for programmatic mobile recharges. Its services support a range of stablecoins and other digital assets across multiple blockchain networks. The offering is used by merchants, developers, and consumers across markets in Africa, South America, and Southeast Asia who require access to dollarized digital payments paired with local payment rails. - Type: Company - Sector: Payments - Status: Active - Founded: 2021-07-01 - Profile: https://thegrid.id/profiles/fonbnk ## Products - [Fonbnk Pay Widget](https://thegrid.id/profiles/fonbnk): Fonbnk Pay Widget is an on/off-ramp product that converts mobile money, airtime, and bank payments into stablecoins and back. Users select a funding source such as bank transfer, mobile money, or airtime, provide a wallet address, and the system routes the order to an agent who settles the transaction. The widget supports on-ramp and off-ramp flows across many countries and blockchains, and can be embedded by third-party wallets or apps. (On/Off Ramp, Live, Main Product) - [Fonbnk Top Up API](https://thegrid.id/profiles/fonbnk): Fonbnk Top Up API is a developer tooling product that enabled programmatic airtime top-ups to customer phones through carrier integrations. It allowed applications to distribute airtime credits automatically rather than through manual purchase flows. The product's development has ended, though its documentation remains publicly accessible. (Developer Tooling, Inactive/Support Ended) - [Fonbnk Server-to-Server API](https://thegrid.id/profiles/fonbnk): Fonbnk Server-to-Server API is a developer tooling product that lets businesses integrate on-ramp and off-ramp crypto conversion directly into their own applications. Developers authenticate through the merchant dashboard, sign requests, and call endpoints to create orders, check statuses, and receive webhook notifications as transactions progress. It exposes the same underlying mobile-money-to-stablecoin conversion logic as the Pay Widget but without a hosted user interface, allowing wallets and platforms to build custom flows. (Developer Tooling, Live) ## Links - [Main](https://www.fonbnk.com) - [Documentation](https://docs.fonbnk.com) - [Blog](https://www.fonbnk.com/blog) - [Terms of Service](https://www.fonbnk.com/terms-of-service) - [Privacy policy](https://www.fonbnk.com/privacy-policy) - [Twitter / X](https://x.com/fonbnk1) - [LinkedIn](https://linkedin.com/company/fonbnk) - [Instagram](https://instagram.com/fonbnk00) - [Facebook](https://www.facebook.com/fonbnk01) - [Telegram](https://t.me/+nQV508SoBgliNzA0) ## 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. 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