# Ivy

> Money, at Internet Speed

Ivy helps businesses accept real-time bank payments and manage funds across fiat currencies and stablecoins using a single API.

Ivy provides programmable banking infrastructure purpose-built around stablecoins for the digital economy. Businesses can accept instant bank payments, hold and convert fiat and stablecoin balances, and send payouts globally through one unified API. The platform connects local payment rails with stablecoin networks.

- Type: Company
- Sector: Payments
- Status: Active
- Profile: https://thegrid.id/profiles/ivy

## Products

- [Ivy](https://thegrid.id/profiles/ivy): Ivy is a financial services platform that combines real-time bank payments, stablecoin-powered accounts, and cross-currency treasury operations through a single API. Businesses can accept pay-ins, hold fiat and stablecoin balances in localized IBANs and wallets, convert currencies around the clock, and send payouts across local and blockchain rails. (Financial Services Platform, Live, Main Product)
- [Ivy Accounts](https://thegrid.id/profiles/ivy): Ivy Accounts is a multi-currency business banking solution that enables companies to collect, hold, and convert funds across local currencies and stablecoins using virtual IBANs and automated reconciliation features. (Financial Services Platform, Live)
- [Ivy Payouts](https://thegrid.id/profiles/ivy): Ivy Payouts is a payments infrastructure product that enables businesses to send instant payouts, refunds, and settlements across fiat and stablecoin rails through a unified API. The platform supports disbursements to bank accounts and whitelisted crypto wallet addresses with configurable settlement options. (Payments Infrastructure & Orchestration, Live)
- [Ivy Treasury](https://thegrid.id/profiles/ivy): Ivy Treasury is a multi-asset treasury management stack via API, supporting real-time FX execution across major fiat pairs and 24/7 fiat-to-stablecoin conversion. Businesses can automate asset conversion on receipt or payout, hold balances across local multi-currency IBANs, and trigger configurable USDC settlements to external wallets. The system operates outside banking hours, removing cut-off time constraints from treasury and settlement workflows. (On/Off Ramp, Live)

## Links

- [Main](https://getivy.io)
- [Documentation](http://docs.getivy.de)
- [Blog](https://www.getivy.io/blog)
- [Terms of Service](https://www.getivy.io/terms-and-conditions)
- [Privacy policy](https://www.getivy.io/privacy-policy)
- [LinkedIn](https://linkedin.com/company/getivy)
- [Twitter / X](https://x.com/Getivy_io)

## Legal

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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
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- [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