# Sera Protocol

> Cross-border stablecoin FX settlement

Sera is a decentralized FX settlement protocol for stablecoins, using a central limit order book with on-chain settlement. It serves individuals, institutions, market makers, and autonomous agents trading a wide range of currency-pegged stablecoins.

Sera Protocol is a decentralized foreign exchange settlement protocol built for the stablecoin economy. It operates a central limit order book that matches orders off-chain for speed while settling and custodying funds through audited smart contracts on-chain, allowing direct currency-to-currency swaps without routing through a single reserve currency or a centralized intermediary.

The protocol addresses the cost and delay of traditional foreign exchange, which relies on layered intermediaries and bank settlement windows. Sera's smart order routing finds multi-leg paths across available pairs and settles them atomically, while its virtual liquidity design lets market makers back multiple trading pairs with a single shared balance rather than separate collateral for each. Access is permissionless, requiring only a compatible wallet rather than minimum balances or credit checks.

The protocol supports swaps across a wide range of fiat-pegged stablecoins and is used by individuals, licensed payment and remittance partners, market makers, fintechs, and developers building automated or agent-driven payment flows. Its open-source payment rails and agent tooling extend the settlement engine into third-party applications, while a companion card product is planned to let holders spend stablecoin balances with real-time conversion. Sera is live on a public blockchain network alongside an active test network, with additional lending and capital markets features planned in later phases.

- Type: Project
- Sector: Finance
- Status: Active
- Founded: 2026-01-01
- Profile: https://thegrid.id/profiles/sera_protocol

## Products

- [Sera Swap](https://thegrid.id/profiles/sera_protocol): Sera Swap is an on-chain foreign-exchange settlement protocol for stablecoins that lets users convert between currencies through a central limit order book. It routes trades using virtual liquidity and smart order routing to find the cheapest path across many currency pairs, settling atomically in a single transaction. Users sign gasless intents that relayers execute non-custodially, with funds remaining in user wallets until settlement, and can also provide liquidity to the order book to earn yield from trading spreads. (Decentralised Exchange, Open Beta, Main Product)
- [Sera Pay](https://thegrid.id/profiles/sera_protocol): Sera Pay is an open-source payment interface for the Sera protocol that lets liquidity operators and payment businesses deploy liquidity, manage currency corridors, and optimize foreign-exchange operations. It runs on its own subdomain separate from the core swap application and connects to stablecoin issuers, payment processors, and market makers integrated with Sera. Businesses use it to operate cross-border stablecoin payment flows built on Sera's settlement engine. (Payment network, Live)
- [Sera Agents](https://thegrid.id/profiles/sera_protocol): Sera Agents is a set of autonomous AI agents and a related toolkit for agentic foreign-exchange routing, liquidity management, and cross-border payment execution on the Sera protocol. It exposes a settlement interface with dozens of tools that let AI agents query rates and execute stablecoin swaps programmatically, along with agent templates for developers to build custom automation. The offering runs on its own subdomain and is aimed at developers and businesses automating cross-border stablecoin flows. (AI Agent, Live)
- [Sera Stablecoin Card](https://thegrid.id/profiles/sera_protocol): The Sera Stablecoin Card is an announced payment card that would let holders spend stablecoins converted through the Sera protocol at point of sale. It is referenced through a waitlist and navigation entry on the Sera website without a live product interface. The card would connect to Sera's foreign-exchange settlement engine to handle currency conversion at the time of spend. (Card, In Development)

## Links

- [Main](https://sera.cx)
- [Terms of Service](https://sera.cx/en/terms)
- [Documentation](https://docs.sera.cx/introduction)
- [Privacy policy](https://sera.cx/privacy)
- [Media Kit/branding](https://www.sera.cx/brand)
- [Twitter / X](https://x.com/seraprotocol)
- [Telegram](https://t.me/seraprotocol)
- [GitHub](https://github.com/sera-cx)
- [LinkedIn](https://www.linkedin.com/company/seraprotocol)

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