Introduction

Overview of Global P2P: capabilities, flows

With , you can send and receive low cost real-time payments to bank accounts and UMA addresses worldwide through a single, simple API. automatically routes each payment across its network of Grid switches, handling FX, blockchain settlement, and instant banking off-ramps for you.

Single API, global reach

interacts with the Money Grid to route your payments globally.

No Crypto Handling

Leverages local instant banking rails and global low latency crypto rails to settle payments in real-time.

Instant Delivery

Leverages local instant banking rails and global low latency crypto rails to settle payments in real-time.

For background on the UMA protocol itself, see the UMA Standard documentation: UMA Standard—Introduction.

Payment Flow

1. Fund Internal Account or prepare for Just-in-Time Funding

   You can either prefund an internal account with fiat or receive just-in-time payment instructions as part of the quote.

2. Create Quote

   Create a quote to lock exchange rate to the receiving foreign account and parse payment instructions.

3. Execute Quote

   Execute the quote or send funds as per payment instructions to initiate the transfer from the internal account to the external bank account.

Features

Users interact with through two main interfaces.

API

Programmatic access to create customers, quotes, fund the account, send payments and reconcile via webhooks.

Dashboard

Your development and operations team can use the dashboard to monitor payments and webhooks, manage API keys and environments, and troubleshoot with logs.

supports the following functionality.

Onboarding customers

has two customer onboarding options - one for non regulated entities where handles the KYC/KYB process and one for regulated entities where you handle the KYC/KYB process.

When creating customers, you’ll be able to assign a customized UMA address to facilitate sending and receiving UMA payments.

Funding Payments

supports multiple transaction funding options including prefunded accounts and real-time funding. You can prefund an account using several payment rails such as ACH, SEPA Instant, wire transfers, Lightning, and more.

With real-time funding, you’ll receive payment instructions as part of the quote. Once payment is received by our services, we’ll initiate the payment to the receiver.

Sending & Receiving Payments

To send with , you query recipient information and pricing, then execute and fund a quote. resolves the receiver (by UMA or external bank details), returns min/max and an exchange rate, and provides funding instructions. Once funded, handles FX and delivery to the receiving account.

To receive with , you expose a UMA or supported account identifier. The platform handles conversion and offramping to the receiver’s account currency and notifies you via webhooks so you can credit the customer.

Environments

supports two environments: Sandbox and Production.

Sandbox mirrors production behavior and webhooks so you can test receiver resolution, quotes and funding instructions, settlement status changes, and full end‑to‑end flows without moving real funds.

Production uses live credentials and base URLs for real payments once you’re ready to launch.