What is a stablecoin payment API?
A stablecoin payment API lets a business send, receive and convert stablecoins such as USDT and USDC programmatically, and connect them to local bank payments. The FreeBnk Stablecoin Payment API does this as an orchestration layer: one integration over the licensed providers you choose, with payouts in local currency, collections settled in stablecoins, provider quotes, routing, webhooks and signed receipts.
What does payment orchestration mean here?
FreeBnk sits between your platform and several licensed providers: stablecoin API providers first, then banks, EMIs and payment institutions, and licensed exchanges. For each payment it asks every eligible provider for a quote, picks the winner by your objective (best price, preferred provider or named rail), sends the instruction and verifies the result. You can add or switch providers without changing your code.
Does FreeBnk hold my funds?
No. FreeBnk is a technology provider and never holds, controls or redirects funds. The licensed provider that executes a payment holds the funds under its own licence and is named as the licence of record. Provider keys that can move money stay on your own servers, used by the FreeBnk Relay.
Which countries and currencies are covered?
The FreeBnk provider network covers 70+ countries, including corridors across Africa, Asia, Latin America, the Middle East and Europe. Which corridors you can use depends on the providers you activate; tell us where your customers are and we will map the providers, rails and limits for each corridor.
Which stablecoins and networks are supported?
USDT and USDC on the major networks, depending on what each provider supports. Every amount is a decimal string with its asset, and conversion between stablecoins or across chains is available as a transfer.
How fast are payouts?
It depends on the provider and the local rail. Many corridors pay out within minutes; others follow local bank processing. You can route for a named rail, and you receive a webhook at every state, so you never have to poll.
How is pricing structured?
Every quote is the provider’s own quote, with every fee line naming its owner. FreeBnk is paid a software licence fee, shown as its own separate line. You can use rates you negotiated with a provider directly or rates FreeBnk has negotiated, and nothing is hidden in the rate.
How does compliance work?
Each licensed provider applies its own KYB, screening and limits under a policy version it signs, and its approval of every payment is recorded. FreeBnk relays the compliance and Travel Rule data, enforces the provider’s limits and keeps a signed audit trail. Freebnk Europe, UAB is a technology provider and does not provide regulated financial services itself.
Do I need my own licence to use the API?
The API is built for regulated firms such as fintechs, PSPs, EMIs, banks and remittance companies. You contract with each provider directly and remain its account holder; one reusable KYB pack makes applying to each provider faster, but each provider makes its own decision. We will walk through your model with you before you start.
How long does integration take?
The sandbox is designed to take you from an API key to a verified receipt in under thirty minutes. The API is REST with JSON, an OpenAPI 3.1 contract, idempotency keys and signed webhooks, and adding a second provider later needs no code change. Sandbox access is by invitation.
