> ## Documentation Index
> Fetch the complete documentation index at: https://docs.rampnow.io/llms.txt
> Use this file to discover all available pages before exploring further.

# Cross-Border Payments

> Move value globally using Rampnow’s crypto-funded payout rails across EUR, USD, INR, PHP, IDR and more.

Rampnow enables businesses to move money globally using **crypto-funded payouts**. You fund payouts in **USDC or USDT** and Rampnow delivers local currencies through national payment systems such as IMPS (India), ACH/SWIFT (USA), SEPA (EU) and leading payout networks across Asia.

This solution is ideal for **remittance platforms, payroll companies, marketplaces, fintechs and Web3 businesses** looking for fast and low-cost cross-border money movement.

<Note>
  Payout funding currently supports **USDC & USDT only**.
</Note>

***

## Key Capabilities

<div style={{display:'grid', gridTemplateColumns:'1fr 1fr', gap:'1rem'}}>
  <Card title="Crypto-Funded Payouts" icon="coins">
    Fund payouts using USDC or USDT without maintaining multi-currency bank accounts.
  </Card>

  <Card title="Local Currency Delivery" icon="money-bill-transfer">
    Rampnow converts and settles to INR, PHP, IDR, EUR, USD and more.
  </Card>

  <Card title="Fast Settlement" icon="bolt">
    Instant or same-day delivery depending on corridor (IMPS, ACH, SEPA Instant, e-wallets).
  </Card>
</div>

***

## How It Works

<Steps>
  <Step title="1. Fund Transfer (USDC/USDT)" icon="coins">
    You initiate payouts by sending USDC or USDT on supported blockchains (Ethereum, Base, Arbitrum, Solana).\
    Rampnow confirms receipt and locks FX rates.
  </Step>

  <Step title="2. FX Conversion" icon="money-bill">
    Stablecoins are converted into local fiat using optimized liquidity routes:

    * FX desks
    * Local partners
    * Corridor-specific liquidity

    Conversion is transparent and executed at real-time rates.
  </Step>

  <Step title="3. Local Payout Execution" icon="bank">
    Rampnow sends funds to recipients using local banking rails:

    * **India:** IMPS
    * **USA:** ACH + SWIFT
    * **EU:** SEPA / SEPA Instant
    * **Philippines:** Banks + e-wallets (GCash, Maya)
    * **Indonesia:** Domestic bank transfers
  </Step>

  <Step title="4. Delivery Confirmation" icon="check">
    Recipients receive funds in local currency.\
    You receive confirmation, FX rate, reference ID and timestamps.
  </Step>
</Steps>

***

## Supported Corridors & Rails

### India

* Rail: **IMPS only**
* Currency: INR
* Speed: Instant
* Ideal for: payroll, contractor payouts, remittances

### United States

* Rails: **ACH**, **SWIFT**
* Currency: USD
* Speed: Same-day / T+1

### European Union

* Rails: **SEPA**, **SEPA Instant**
* Currency: EUR
* Speed: Instant or same-day

### Philippines

* Rails: **Bank transfers + e-wallets (GCash, Maya)**
* Currency: PHP
* Speed: Instant–few minutes

### Indonesia

* Rail: **Domestic bank transfers**
* Currency: IDR
* Speed: Same-day

***

## Why Businesses Choose Rampnow

<Tabs>
  <Tab title="Global Coverage">
    Send money to users, employees and vendors across continents with one unified rail.
  </Tab>

  <Tab title="Crypto-Funded Simplicity">
    Avoid holding multiple fiat currencies — fund all payouts using stablecoins.
  </Tab>

  <Tab title="Low Cost & Fast Delivery">
    Lower fees and significantly faster settlement than traditional banking routes.
  </Tab>
</Tabs>

***

## Ideal Use Cases

<CardGroup>
  <Card title="Remittance Platforms" icon="globe">
    Enable fast global transfers without building your own FX engine or payout network.
  </Card>

  <Card title="Payroll Companies" icon="users">
    Pay employees and contractors worldwide in minutes using USDC/USDT funding.
  </Card>

  <Card title="Marketplaces & Platforms" icon="store">
    Payout sellers, creators, drivers or freelancers instantly in their local currency.
  </Card>

  <Card title="Web3 Companies" icon="cube">
    Convert crypto revenue into global fiat payouts effortlessly.
  </Card>
</CardGroup>

***

<Card title="Activate Cross-Border Payments" icon="rocket" href="/contact">
  Speak with our team to enable payout corridors for your business.
</Card>