Conduit: USD Orchestration & Stablecoin Payments

Overview

Conduit is a USD orchestration platform founded in 2022, headquartered in the United States, that combines fiat virtual accounts, stablecoin wallets and global payments on a single API. The platform is built for fintechs, payment service providers and enterprises that need to open USD accounts and wallets for their customers worldwide, and move money in or out on any rail — stablecoins and fiat on the same API.

The core proposition is “Anydollar. Anytime. Anywhere.” — opening named USD accounts and crypto wallets in seconds via a single API call, with programmatic global payouts and pay-ins settled in fiat or stablecoins. Conduit provides virtual accounts (named USD accounts and virtual IBANs through licensed banking partners) and crypto wallets (holding stablecoins across multiple chains with multiple custody options), connected to a wide network of local payment rails.

Conduit’s banking network includes 8 banking partners in the US routed for uptime, cost and compliance, eliminating single points of failure. The platform handles KYB/AML, transaction monitoring and regulatory compliance by default, and supports rails including Fedwire, SWIFT, PIX (Brazil), SEPA Instant (Eurozone), FedNow, TED, RTP, RTGS and SPEI (Mexico), alongside USDC, USDT and USDH stablecoins. As of August 2026, Conduit offers two products: the Global USD API for B2B2B fintechs and a No-Code Treasury Dashboard for payments ops and finance teams.

Best for: Fintechs, PSPs and enterprise treasury teams that need to embed USD accounts, stablecoin wallets and multi-rail global payments into their platform without becoming a financial institution themselves.

Fees & Pricing

Conduit uses tiered, volume-based pricing for global payouts, with a published starting rate of approximately 0.25%. Pricing scales with volume, corridor and product configuration (API vs. Treasury Dashboard).

Cost model

Payout fees — competitive, tiered pricing based on volume and destination rail.
Account fees — virtual account and wallet provisioning priced per the chosen product tier.
FX and conversion — fiat-to-stablecoin and cross-currency conversion fees apply where relevant.
Network fees — underlying blockchain gas applies for on-chain stablecoin movement.

Settlement

Instant settlement for stablecoin rails (USDC, USDT, USDH) and instant local rails (PIX, SEPA Instant, FedNow, RTP, SPEI).
0–4 hours for Fedwire, 0–8 hours for SWIFT, T+0 for RTGS.
Fiat and stablecoin settlement on the same API — no separate integration per rail.

Refund handling

Reversals and returns handled per the underlying rail’s rules; stablecoin transfers are non-reversible once confirmed on-chain.

Features & Integrations

Accounts — hold USD value anywhere

Virtual accounts — named USD accounts and virtual IBANs through licensed banking partners, holding USD, EUR and GBP.
Crypto wallets — hold any stablecoin across multiple chains with multiple custody options.
T+0 onboarding — USD account provisioned near-instantly via API call, no manual review for standard KYC.

Payments — move money on any rail

Global payouts — programmatic payouts to employees, contractors or vendors in 100+ markets.
Pay-ins and collections — receive named pay-ins to addressable bank accounts, IBANs and wallets.
Supported rails — Fedwire, SWIFT, PIX (Brazil), SEPA Instant (Eurozone), FedNow, TED (Brazil), RTP, RTGS (UK), SPEI (Mexico) and stablecoins (USDC, USDT, USDH).

Compliance & banking network

8 US banking partners routed for uptime, cost and compliance — no single point of failure.
KYB/AML handled by Conduit — transaction monitoring and regulatory compliance by default.
End-customer onboarding with no manual review for standard KYC cases.

Two products

Global USD API — for B2B2B fintechs embedding USD accounts and payment rails into their platform (FedNow, Fedwire, SWIFT, SPEI, PIX, SEPA).
No-Code Treasury Dashboard — web app for payments ops and finance teams managing company treasury transactions and manual operations.

Built for

Developers & platforms — embed financial services without becoming an FI.
Fintechs & PSPs — issue named virtual USD accounts and offer on/off ramps between fiat and stablecoins.
Banks — modern correspondent banking alternative with access to FedNow, RTP, Fedwire and SWIFT through a single integration.

Pros & Cons

Pros

Fiat and stablecoin on the same API — no separate integration per rail
8 US banking partners routed for uptime, cost and compliance — no single point of failure
Broad rail coverage — Fedwire, SWIFT, PIX, SEPA Instant, FedNow, RTP, RTGS, SPEI plus USDC/USDT/USDH
T+0 virtual account provisioning via API — no manual review for standard KYC
KYB/AML and transaction monitoring handled by Conduit by default
Two product modes — full API for developers and no-code dashboard for treasury teams

Cons

Stablecoin support limited to USDC, USDT and USDH — no broad altcoin support
USD-orchestration focus — not a consumer crypto checkout or card gateway
Enterprise/fintech sales-led onboarding — not a self-serve plugin
Pricing is tiered and volume-based — published starting rate (~0.25%) scales with volume
KYC/KYB required for end customers on named accounts

Frequently Asked Questions

What is Conduit?

A USD orchestration platform founded in 2022, headquartered in the US, combining fiat virtual accounts, stablecoin wallets and global payouts/pay-ins on one API, with 8 US banking partners and rails across Fedwire, SWIFT, PIX, SEPA and more.

What can I do with Conduit?

Open named USD accounts and crypto wallets for your customers in seconds, send programmatic global payouts in 100+ markets, receive pay-ins to addressable accounts, and move money on fiat or stablecoin rails through a single API.

How much does Conduit cost?

Tiered, volume-based pricing with a published starting rate of approximately 0.25% for global payouts. Account, FX and network fees may apply. Enterprise pricing scales with volume and corridor.

Which payment rails does Conduit support?

Fedwire, SWIFT, PIX (Brazil), SEPA Instant (Eurozone), FedNow, TED (Brazil), RTP, RTGS (UK), SPEI (Mexico) and stablecoins (USDC, USDT, USDH).

Does Conduit handle compliance?

Yes — Conduit handles KYB/AML, transaction monitoring and regulatory compliance by default, with T+0 onboarding and no manual review for standard KYC cases.

What are Conduit's two products?

The Global USD API for B2B2B fintechs embedding USD accounts and payment rails, and a No-Code Treasury Dashboard for payments ops and finance teams managing company treasury transactions.

Who is Conduit best for?

Fintechs, PSPs and enterprise treasury teams that need to embed USD accounts, stablecoin wallets and multi-rail global payments into their platform without becoming a financial institution themselves.

Conduit