On/Off-Ramps & Platform Services
Epay is not designed as a simple remittance app. It is a modular payments infrastructure platform that allows individuals, merchants, and enterprises to bridge between fiat and stablecoins in a seamless and compliant way. By combining on/off-ramps, cross-border settlement rails, merchant checkout tools, and enterprise-grade APIs, Epay provides a comprehensive financial stack that makes digital assets usable in everyday financial flows.
This approach positions Epay not only as a consumer-facing payments product, but as programmable infrastructure that can be integrated into external applications, banking systems, fintech products, and enterprise workflows.
On-Ramp: Fiat → Stablecoin
The on-ramp system enables users to move from traditional fiat money into digital stablecoins. This serves as the primary entry point into the Epay ecosystem.
Funding Methods: Users can fund their accounts using bank transfers (ACH, SEPA, and SWIFT), card payments (Visa, Mastercard, and regional providers), and mobile money networks (such as M-Pesa or MTN Mobile Money). By supporting both banked and underbanked populations, Epay ensures global accessibility.
Conversion Flow: Once fiat funds are received, they are processed through Epay’s Conversion & FX Engine, which determines the optimal path for converting deposits into stablecoins such as USDC, USDT, or PYUSD.
Compliance: All fiat entries are subject to KYC and AML verification at the funding stage. This prevents illicit use while ensuring alignment with financial regulations across jurisdictions.
The result is a frictionless on-ramp where users can instantly acquire stablecoins without having to understand blockchain mechanics.
Off-Ramp: Stablecoin → Fiat
The off-ramp allows users to liquidate stablecoin balances into local fiat currencies. This closes the loop by ensuring that value held digitally can be realized in the real world.
Bank Payouts: Direct integration with local and international banking rails allows for withdrawals into traditional accounts.
Cash Pickup: In partnership with local agent networks, users can withdraw stablecoin value as physical cash, increasing accessibility in cash-dominant economies.
Mobile Wallets: For markets dominated by telecom-backed mobile wallets, Epay offers direct integration so stablecoin balances can be converted into mobile credits.
Instant or Scheduled Settlements: Users can choose to receive payouts instantly or schedule them for specific settlement cycles, depending on preference and local banking availability.
These flexible payout channels ensure that off-ramping works across developed and emerging markets alike.
Cross-Border Transfers
Epay’s cross-border settlement is inspired by Stellar’s SEP-31 anchor-wallet model, where regulated local partners act as fiat gateways.
Anchors: Licensed financial entities in each jurisdiction manage the fiat entry and exit points, providing regulatory compliance and liquidity.
Wallets: Users hold stablecoins as the medium of exchange, abstracting away cross-border FX complexity.
Compliance & Trust: Every cross-border transfer is screened for AML/KYC, and Epay’s partners provide proof-of-reserves to guarantee solvency.
This model allows Epay to deliver fast, low-cost, and compliant global transfers, reducing reliance on legacy correspondent banking rails.
Merchant Tools
Epay provides a merchant suite that enables businesses to accept stablecoins directly from customers without needing to build blockchain infrastructure themselves.
Checkout Integration: Merchants can add Epay as a payment option via a simple code snippet or plugin.
Invoices: Businesses can generate invoices denominated in fiat or stablecoins, payable through Epay.
QR Payments: In-store merchants can generate scannable QR codes that customers use to pay instantly.
Webhooks & APIs: Payment confirmations are delivered to merchant systems in real time, making integration straightforward for developers.
Comparable Models: While the feature set is similar to providers like BitPay or Coinbase Commerce, Epay differentiates itself by focusing on multi-chain settlement and instant conversion into fiat.
This makes it simple for merchants in any sector to start accepting stablecoins while continuing to settle in the currency of their choice.
B2B API Suite
For enterprises and financial institutions, Epay offers an API-first architecture that embeds payments functionality directly into their systems.
Bulk Payouts: Enterprises can disburse salaries, vendor payments, or affiliate commissions in stablecoins or fiat to thousands of recipients simultaneously.
Treasury Settlement: APIs allow companies to manage treasury balances dynamically, automatically converting between fiat and stablecoins to optimize liquidity.
Accounting Hooks: Epay integrates with enterprise accounting and ERP systems, enabling real-time reconciliation, compliance reporting, and audit trails.
Custom Workflows: White-label solutions allow fintechs, wallets, and marketplaces to embed Epay’s services under their own brand while leveraging its infrastructure.
This B2B toolkit ensures that Epay is not just consumer-facing, but a backbone for enterprise-grade payment systems.
Key Benefits
For Individuals: Accessible on/off-ramps make stablecoin usage seamless while removing blockchain complexity.
For Merchants: Checkout and invoicing tools reduce costs, accelerate settlement, and expand payment options.
For Enterprises: Bulk payouts, treasury tools, and accounting APIs enable efficient cross-border operations at scale.
For Partners: The anchor model creates a compliant and scalable foundation for local integration, ensuring global coverage.
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