Snapshot
Continue to About ↓- What it does
- Fin.com is a cross-border payments infrastructure API for platforms.
More detail
- Companies integrate once to collect funds locally and to send payouts to bank accounts, mobile wallets, and local rails in roughly 30–40+ countries, with stablecoins on one leg of every flow and compliance handled by Fin.
- It is aimed at fintechs, marketplaces, payroll platforms, and similar businesses that want cross-border collection and payout without building banking relationships themselves.
- Best for
- Fintechs, PSPs, marketplaces, payroll platforms, and import/export or treasury teams that want a single API for cross-border collection and payout, including stablecoin-to-fiat off-ramps and virtual or named USD accounts.
- Pricing
- Fin states transaction pricing is all-in at 0.01–1% (homepage FAQ cites a typical 0.01–0.3% depending on volume and corridor), with no hidden FX markup or intermediary fees claimed.
More detail
- Fin does not publish a monthly subscription, minimum balance for named USD accounts, or exact per-corridor rates, and
- Main limitation
- Teams that need pure fiat-to-fiat transfers, pooled or omnibus USD accounts, physical cash rails, or a long-established vendor with independent review history
More detail
- Fin states every flow has a stablecoin on one side and the company is seed-stage and founded in 2025.
- Record
- Living and monitored
- Reviewed
- Evidence
- Public web research
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- Structured profile ↗
About
- Fin.com is a cross-border payments infrastructure API for platforms.
- Companies integrate once to collect funds locally and to send payouts to bank accounts, mobile wallets, and local rails in roughly 30–40+ countries, with stablecoins on one leg of every flow and compliance handled by Fin.
- It is aimed at fintechs, marketplaces, payroll platforms, and similar businesses that want cross-border collection and payout without building banking relationships themselves.
What it helps with
- Cross-border settlement that takes 2–5 business days on traditional banking rails
- Fees and deductions from multiple intermediary banks in correspondent chains
- Needing to build separate banking relationships and compliance per corridor
- Manual reconciliation of inbound payments against users and transactions
- Volatility risk when platforms accept crypto from end users
- Difficulty paying users in regions where traditional banking or cards are slow
- Lack of named USD accounts for clean counterparty reconciliation
- Building multi-currency virtual accounts without a banking licence of your own
Capabilities
A practical view of what is available and where limitations apply.
| Offering | Available | Detail |
|---|---|---|
| Pay In | Yes | Collect via local bank transfers, SWIFT wires, instant rails, and stablecoins, settling into virtual accounts or wallets with webhooks and automatic matching. |
| Pay Out | Yes | Send to bank accounts, mobile wallets, and local rails in 40+ countries per the product page (30+ per the homepage), with batch, scheduled, and recurring payouts and smart routing. |
| Virtual accounts | Limited | Documented for USD (ACH/Fedwire/SWIFT) and MXN (SPEI) only, with eligibility depending on country risk tier; MXN accounts are business-named. |
| Named USD SWIFT accounts | Yes | Dedicated USD accounts in the entity's legal name, with no minimum balance and no pooled accounts, held in FBO accounts at a regulated US banking partner. |
| Crypto payments | Yes | Accept BTC, ETH, USDC, USDT and others, including exchange checkout from Bybit, Crypto.com, and Kraken, with auto-conversion to fiat at receipt. |
| Fiat-to-fiat transfers | No | Fin's developer documentation states that as of August 2026 every flow has a stablecoin on one side and there is no fiat-to-fiat corridor. |
| Compliance handled by Fin | Limited | Fin performs KYC/KYB and AML where its customers onboard as Fin customers; licensed businesses remain responsible for due diligence on their own customers. |
| Stablecoin balance protection | No | Fin states stablecoin balances are held in segregated wallets and are not covered by deposit insurance or safeguarding schemes. |
| Local USD payouts via standard APIs | No | Fin's technical FAQ states local USD payouts must use a liquidation address (USDC on Polygon currently) and do not work through the Transfer or Batch APIs. |
| Transparent volumetric pricing | Limited | Fin quotes all-in rates of 0.01–1% (0.01–0.3% typical) but does not publish per-corridor rates or a full fee schedule. |
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- Primary source
- fin.com
Technical profile details
Record ID
85913c63-3f6c-4ffc-836d-9a66fabae625Canonical URLhttps://profiles.scribble.network/listing/fin-com-85913c63