Banks & Institutions: Visit our dedicated settlement site

Capture. Net. Settle.

FiatRails Access captures retail flow across emerging markets. FiatRails Settlement nets and settles for institutions. Two products, one protocol — non-custodial by design.

1st Place — Ignyte x Avalanche 2026 Avalanche X HUB71 Cohort Patent Pending

Why FiatRails

Non-Custodial

FiatRails never holds fiat or custodies user funds. Licensed partners perform all regulated activities.

Partner-Anchored

Every corridor backed by local licensed institutions. Real banking relationships, not workarounds.

Built for Scale

Sub-second finality on Avalanche. Infrastructure designed for institutional throughput and emerging market volumes.

Two products, one protocol

Local currency access for partners and developers. Institutional settlement coordination for banks and PSPs.

For Partners & Developers

FiatRails Access

Local currency access infrastructure

  • Partner-anchored on/off ramp infrastructure
  • Mobile money integration (M-PESA, etc.)
  • Non-custodial — FiatRails never holds funds
  • Developer API for project integration
  • Merchant and agent network
Learn more →
For Institutions

FiatRails Settlement

Non-custodial settlement coordination protocol

  • Multilateral netting reduces prefunding by 70-95%
  • Technology service provider — not a financial institution
  • Never holds fiat, never custodies funds
  • ISO 20022 compatible integration
  • Bank and PSP pilot programme open
Visit fiatrails.network →

See it in action

Explore our testnet deployments and live integrations for FiatRails Access.

Hub DEX (Testnet)

Swap between cKES, cGHS, cAED and other assets on our Avalanche Fuji testnet deployment.

Launch DEX →

M-PESA Demo

Experience the mobile money integration flow with our demo environment.

Try Demo →

Built by banking professionals

Our team brings over 20 years of experience building mission-critical systems at Tier-1 financial institutions. We understand what it takes to build infrastructure that treasury teams can trust.

FiatRails operates as a technology service provider — never holding fiat, never custodying user funds, enabling licensed partners to perform all regulated activities.

HSBC Citigroup Credit Suisse DBS Bank ANZ NAB

Ready to get started?

Join our waitlist for early access to FiatRails Access, or visit fiatrails.network for institutional enquiries.