Add global payouts to your own product
Embedded Payments
With a single integration, your platform can pay people across the world. We deliver to their bank account or as cash, in their local currency. We handle the currency exchange and the local delivery.
- 34 Countries
Active corridors across LATAM, Africa, and APAC.
- 127 Payment Methods
Banks, mobile money, and cash — we route to the best rail.
- USDC Settlement
Fund in USDC. We normalize and deliver in local currency.
- FinCEN Registered
Compliance-first. KYC reliance — no duplicate onboarding.
- Instant Delivery
PIX, Pago Móvil, UPI, GCash, M-Pesa — beneficiaries see delivered, not pending.
- Resilient Routing
Active monitoring, rail failover, and dedicated liquidity ops.
- Proven Network
Your users share infrastructure with a battle-tested network moving real volume every month.
How a payout runs end to end
See how Embedded Payments works- 1Register
Create sender and receiver with your existing KYC as reliance. We return available rails for the destination.
- 2Quote & Execute
Request a quote for the corridor, get pricing and FX. Execute against the quote — we return funding instructions.
- 3We deliver
We deliver Fund in USDC. We handle compliance, currency exchange, and last-mile delivery. Webhook fires on completion.
Embedded Payments, in action
Is building the next generation of global money movement through stablecoins. Powered by Stellar, Solana, and global partners, Decaf helps turn stablecoins into real-world financial access.
Airtm has spent over a decade building local infrastructure that is compliant, reliable, and deeply connected to the communities that need it most. Integrating their rails means our users get access to the most established local payment network in the region.
Rick Martin, CEO DECAF
For 11 years we've built the infrastructure that makes digital dollars real in markets others have ignored. Opening those rails to partners like Decaf is the next step: making Airtm not just the wallet of choice, but the infrastructure layer the industry builds on.
Rubén Galindo Steckel, CEO
Three ways to move money with Airtm
Pick the one that fits how you work — pay people directly, build payouts into your own product, or let your users connect their Airtm account.
A familiar “connect your account” experience for moving dollars.
Airtm Connect
Users connect their Airtm wallet; you move money in and out.
Description
Your users approve once — like signing in with a trusted service — and can then move dollars in and out of your product. They stay in control, and can disconnect at any time.
Watch a user connect their Airtm account in seconds.
Pay with Airtm ConnectBest for
- Wallets & Fintechs
- Payment Platforms
- Exchanges
- Payroll & HR
Why Airtm
Tap into millions of people who already use Airtm — no new accounts to set up.
Build Airtm’s payout network into your platform.
Embedded Payments
Add global payouts to your own product.
Description
With a single integration, your platform can pay people across the world. We deliver to their bank account, mobile wallet, or preferred payout method. We handle the currency exchange and last-mile delivery.
Watch a payout flow built right into a partner app.
Pay with Embedded PaymentsBest for
- Wallets & Fintechs
- Marketplaces
- Payroll & HR
- Remittance platforms
Why Airtm
One integration reaches dozens of countries and hundreds of payout methods — and your customers don't even need an Airtm account to get paid.
Pay your people directly, into their Airtm account.
Airtm Payouts
Pay anyone, anywhere — instantly.
Description
Each person receives dollars right away in their Airtm account. No bank account needed. From there, they can spend, invest, or convert to local currency.
Watch a bulk payout reach experts across multiple countries at once.
Pay with Airtm PayoutsBest for
- Freelancer Platforms
- Research Panels
- AI & Data Teams
- NGOs
Why Airtm
Pay fairly and on time, even in countries where traditional payments don't reach. Median enterprise payout time: 7 minutes. Start manually, scale to bulk, or automate fully — your way.
Frequently Asked Questions
01 —How does the integration work?
You authenticate with a partner-scoped API key, register senders and receivers, request quotes, and execute transactions. We return funding instructions — you fund in USDC, we deliver in local currency. Full API docs and sandbox available.
02 —Do my users need an Airtm account?
No. With Embedded Payments, your users receive payouts directly to their local bank account, mobile money, or cash point. No Airtm account required.
03 —How is Embedded Payments different from Airtm Connect?
With Embedded Payments, your users never see Airtm — we deliver payouts to their local bank account or cash point directly. With Airtm Connect, the user has an Airtm wallet and links their account to your platform to move dollars in and out.
04 —How fast are payouts?
Typically under 3 minutes for key corridors. Delivery speed depends on the destination rail — instant rails like PIX and Pago Móvil settle immediately.
05 —How does compliance work?
We operate a KYC reliance model — you perform KYC on your users, we accept it without duplicating. Airtm handles sanctions screening, transaction monitoring, and regulatory reporting independently. FinCEN registered.