RAMPAY — the money layer

RampPay ........................ A network for money that has to travel

The money layer for a world that already lives across borders.

the problem

Cross-border money still behaves like 1970s banking.

Engraved classical frieze of robed figures gathered around a speaker
Fig. 1. The correspondent chain. Every hop takes its cut.

fragmented rails

Inside a country, money is easy: a bank app, a wallet, a card. Across a border it becomes a chain of correspondent banks, nostro accounts, and settlement windows. Each hop adds delay, cost, and a place for the quote to change.

a missing product

RampPay is that missing product: one layer that takes local money in, moves value on a global settlement network, and pays local money out. People and businesses see a balance and a destination — not crypto, not SWIFT, not a stack of forms.

local in

Collect in the currency people already hold.

global settle

Move value once, on a network that does not close at 5pm.

local out

Pay into the account or wallet the recipient actually uses.

the map

Money already works — until it has to leave the country.

Cash, cards, wallets, and bank rails are mature inside a market. Across a border they become a chain of correspondent banks, FX desks, and settlement windows. RampPay sits in the middle as one layer: collect locally, move value globally, pay out locally.

Close-up of an engraved banknote portrait eye in red ink
Fig. 2. At every border, someone checks the money.
RampPayLocal in → local out
bank · ACHpayrollPAIDLOCAL INidleSEPAidleACHidleBANKSEND
Press send1 batch queued · 3 rails
One batch, collected locally and paid out on three rails. Every third batch an ACH payout comes back returned and is re-sent. Illustrative.

how it holds together

Three jobs. One layer.

Collect

Money enters from the systems people already trust — bank transfer, wallet, or card — in local currency. No new mental model to start a transfer.

Settle

Value moves on always-on rails with a quoted rate and a quoted fee. Compliance, liquidity, and FX sit in the product, not as a scavenger hunt after you send.

Pay out

The other side receives in their local rail — payroll, family, supplier, or merchant account. The infrastructure stays underneath.

Nº 0001One transfer, end to end
200 USDreadyCOLLECTfx 88.10readySETTLEINR UPIreadyPAY OUTSENDROUTE
Press sendready · USD → INR
One transfer through the layer. Press send, or change the route. Rates and fees are illustrative.

rampay api · money movement as a service

The money layer, as an API.

Everything the RampPay app does runs on one layer. The API opens that layer to your product: collect in local currency, hold balances, and pay out on local rails, with the rate and fee quoted before every transfer. You ship the experience. Settlement, FX, and compliance run underneath.

Torn white paper revealing a stack of US hundred-dollar bills and Benjamin Franklin’s engraved eyes
Fig. 4. Your product on the surface. The money layer underneath.

The building blocks. Compose what you need.

  1. Quotes

    Price any transfer before it moves: rate, fee, and arrival time in one response.

  2. Pay in

    Collect local currency by bank transfer, wallet, or card, straight into a balance.

  3. Pay out

    Send to bank accounts and wallets on the rail the recipient already uses.

  1. Accounts

    Give each customer a balance they can hold, move, and spend from.

  2. Compliance

    KYC, sanctions screening, and an audit trail inside every call.

  3. Webhooks

    An event for every state a transfer passes through: quoted, sent, settled, returned.

for developers

From quote to settled in four calls.

  1. Authenticate

    Server-side API keys. Every call is signed and logged.

  2. Quote

    Ask for a price. The rate and the fee come back before anything moves.

  3. Send

    Create the transfer against the quote. Compliance runs inside the call.

  4. Settle

    A webhook fires when the money lands on the recipient’s rail.

~/your-app · sandbox
  1. $ export RAMPAY_KEY=rp_test_••••••••4f9c
  2. Sandbox key. Server-side only; every call is signed.
  3. $ curl -u $RAMPAY_KEY: api.rampay.xyz/v1/quotes \ -d send=200.00:USD -d receive=INR:UPI
  4. Pricing USD → INR on UPI.
  5. ✓ 201 Created qt_2Hk9 · fee 0.50 USD · rate locked for 30s
  6. $ curl -u $RAMPAY_KEY: api.rampay.xyz/v1/transfers \ -d quote=qt_2Hk9 -d recipient=rcp_31Fa
  7. Screening sender and recipient.
  8. ✓ 201 Created tr_8Lm2 · status sent
  9. ← webhook transfer.settled tr_8Lm2 · INR paid out on UPI
Illustrative sandbox session. The full reference ships with API access.
Engraved corner of a vintage banknote showing the ornate numerals 25 in blue-black ink
Fig. 5. On a note, the value is printed in the corner. In the API, it is the first field you read.
Fig. 6. API keys stay on your server, behind the door. Circle the dial to forty.

who builds on it

Industries we serve, B2B and B2C.

B2B · through the API

  • Fintechs & neobanks

    Offer send and receive across borders without building correspondent banking.

    Pay in · Pay out · Accounts

  • Payments & PSPs

    Settle merchants and partners abroad in minutes, not on the next banking day.

    Quotes · Pay out

  • Payroll & EOR

    Pay contractors and remote teams in the currency they live in.

    Pay out · Webhooks

  • Marketplaces & creator platforms

    Pay sellers, hosts, and creators wherever they are, on their local rail.

    Pay out · Compliance

  • Import & export

    Pay suppliers with the rate and fee fixed before the goods ship.

    Quotes · Pay out

  • Travel

    Collect in one currency and pay partners in another, on the same booking.

    Pay in · Pay out

B2C · through the RampPay app

  • Families

    Send support home and see the fee before you send.

  • Students abroad

    Pay fees and rent in the country you study in.

  • Freelancers & remote workers

    Get paid by clients abroad into one balance.

  • Travellers

    Book flights and hotels from your balance with RAMPAY AI.

See the app

API access opens corridor by corridor. Tell us what you are building.

Request API access

in your pocket

One balance. One card. An assistant that asks first.

The RampPay app keeps your balance, a virtual Visa card, and RAMPAY AI in one place. Ask it to find a flight, book a hotel, send money, or check your spending. It prepares the payment, shows you the price, and waits. Nothing moves until you approve it.

RampPay app Assistant screen showing $18,973.77 available to spend, an “Ask about your money or a trip” prompt, and suggestions to find a flight, find a hotel, send money, or check spending
Fig. 3. The RampPay app. Screens from the live build.

  1. Assistant

    Ask about your money or a trip. RAMPAY AI finds the flight, the hotel, or the person to pay, and prepares it. You approve every payment.

  2. Trips

    “Cheapest flights from Delhi to Dubai on 2nd October.” Live fares come back side by side, with the fare rules, and you pay from the same balance.

  3. Cards

    A virtual Visa card on the same money. Show, freeze, edit, or close it in a tap, and see every charge marked paid or declined.

stablecoin cards

Hold dollars. Tap like a local.

Issue your users a Visa card on their USDC balance, ready in their phone’s wallet. They tap any contactless terminal, RampPay converts at the till, and the merchant is paid in local currency.

Fig. 7. A RampPay card on a USDC balance, tapped at a café in Lisbon.

  1. Hold near reader

    A Visa card on a USDC balance, in the phone's wallet.

  2. Converted at the till

    4.80 USDC becomes €4.40 at the live rate.

  3. Approved

    The café is paid in euros. Your user never swapped a thing.

one machine · five stations

Money movement in one machine, not five vendors.

From deposit to payout — take it in local, settle it on the rail, pay it out local. Drag to spin, scroll to zoom, click a station to walk the flow.

the crossing

Money leaves home and arrives where it is needed.

Top view of a private jet flying across the screen

both sides of a payment

A person pays. A person is paid.

RampPay sits between them. Money goes in through the account, wallet, or card someone already uses, moves once on an always-on network, and arrives in the rail the other person already trusts. No new wallet. No chain of banks in the middle.

Follow the build.

Corridor launches, product notes, and the next markets we open.

Questions? Answered.

RampPay is a money layer for cross-border value. It collects in local currency, settles on a global network, and pays out in the recipient’s local rail. The settlement machinery stays underneath the product.