01 — /payouts
One call quotes the FX, picks the rail and settles — with both ledger entries posted before the webhook lands.
Median settlement latency
0.4s
Markets with local rails
41
60-day API uptime
99.99%
02 — Where it lands
Four rails carry the corridors that matter.
Every payout picks the local rail at quote time. These four carry most of the volume — medians measured from API acceptance to settled funds.
pix
Instant rail, 24/7 — no cut-off windows, and returns resolve inside the hour.
fednow
Instant USD across 1,200+ participating banks, with RTP fallback built in.
faster-payments
Every UK bank, £1M per transfer, confirmation-of-payee run before release.
sepa-instant
36 countries on one scheme, €100k per transfer, every day of the year.
37 more markets settle over partner rails — same API, same webhook, same two entries.
03 — The proof
Latency is a distribution. Here is ours.
Median from API acceptance to settled funds, by rail, trailing 30 days — measured at the webhook, not at the bank's SLA.
04 — What the route guarantees
Guaranteed on every payout. Not negotiated per plan.
These ship with the route itself — identical on the first sandbox call and at production volume.
