Your Fintech, Plugged Directly into Tier-1 Rails

Keyrails’ Stable OS plugs your fintech directly into Tier-1 financial rails—no new licenses, no pre-funding, no compliance bottlenecks

Bank-Level Reach. Without the Bank.

For fintechs and stablecoin neobanks, growth is a game of reach, speed, and trust. But expanding into new markets usually means juggling extra banking relationships, navigating licensing hurdles, and tying up capital in pre-funded accounts. Keyrails’ Stable OS changes that. In a single integration.

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What You Get With Stable OS

COBO via SWIFT Rails

Receive international payments directly into your merchants’ names without a bank account. Funds settle into their self-custodial stablecoin wallets within hours, not days, via our compliant collection flow over SWIFT rails.

POBO via SWIFT Rails

Send SWIFT payments from your merchants’ wallets with their company name as the Sender, ensuring compliance and trust in every cross-border transaction.

<24H Onboarding

Effortless security and compliance with our AI-driven onboarding, completed in less than 24 hours. Includes continuous monitoring to maintain compliance as your operations scale.

Onshore USD Accounts

Issue ACH, Fedwire, and SWIFT-enabled USD accounts natively linked to stablecoin infrastructure. Enable full interoperability between traditional rails and on-chain settlement.

Liquidity on Demand

Tap deep USD liquidity across Africa, GCC, and SE Asia, and repatriate treasury balances in hours. Eliminate settlement delays and improve cash flow predictability in high-friction corridors.

Earn Up to 5.5% APY

Ultra secure access to institutional-grade, regulated tokenized funds to earn up to 5.5% APY on your excess cash. Funds remain accessible for quick redeployment into your payment or treasury needs.

Unbundling Privilege

The financial system was never built for emerging markets. Keyrails’ StableOS is changing that. We make global financial infrastructure truly accessible,  not just to the top 1%, but to every enterprise and fintech operating in markets long considered “too hard” to serve.

Global finance shouldn’t be a privilege. It should be ubiquitous and programmable.

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Stable OS In Numbers

Truly Global

Multi-Currency COBO & POBO via SWIFT rails in 173 countries

High-Value Payments

$500K+ USD per payment on average

Emerging Market

+90% of flows in emerging markets

Hyper Growth

+100% QoQ in volume, +92% QoQ in customer base

Fast & Trackable

Overnight settlements and 100% trackability

Globally Redundant

20+ banking partners ensuring redundancy

Money Movement 2.0 featuring Keyrails

Learn more about the global stablecoin market in the most comprehensive report published this year with Keyrails' insights

READ THE REPORT

Listen to our CEO’s podcast for a deep dive in stablecoin powered cross-border payments