Stablecoin settlement, plumbed into your operations.

Use stablecoins as a payment rail for cross-border settlement, with the same compliance, controls, and reporting as fiat. This is infrastructure for moving money, not a platform for speculation.

What "crypto rails" means here

In a BOF Pay context, crypto rails means using regulated stablecoins as a settlement layer for cross-border payments. Where traditional banking rails are slow, expensive, or unavailable, stablecoins move dollar-pegged value across borders in minutes, around the clock, every day of the year. BOF Pay handles the on-ramp from fiat, the on-chain movement, and the off-ramp into local currency on the other side. From your perspective, it is just another payout method, faster on certain corridors.

Why it matters

Traditional cross-border payments depend on SWIFT, correspondent banking, and a chain of intermediaries each charging fees and adding delay. For corridors between major financial centers, that system mostly works. For corridors involving Latin America, parts of Africa, Southeast Asia, or weekends and holidays anywhere in the world, it does not. Stablecoin rails settle in minutes regardless of the calendar, regardless of the corridor.

Supported stablecoins and chains

BOF Pay supports the most widely-used regulated stablecoins on the chains where they have the deepest liquidity and lowest fees:

Settlement chain selection happens automatically based on the corridor, amount, and current network conditions, optimizing for cost and speed. You can override the default if you have a preference.

Fiat in, fiat out

Most customers never touch a stablecoin balance directly. You initiate a USD-to-MXN payout, BOF Pay handles the USD-to-USDC conversion, on-chain transfer, USDC-to-MXN conversion, and delivery to the recipient's local bank account. Everything happens in one operation, with one fee, with one settlement confirmation. For customers who want to hold stablecoin balances, custodial wallets are available inside the same account.

Compliance built in

Travel Rule

FATF Travel Rule data is collected and transmitted for every applicable transfer, in line with regulatory requirements.

Sanctions screening

Every counterparty and every wallet address is screened against current sanctions lists before settlement.

Blockchain analytics

Integrated analytics flag exposure to illicit activity, mixers, and other high-risk sources before funds move.

KYC on counterparties

Where required, recipient identity is verified before disbursement, with documentation retained for audit.

Wallet infrastructure

BOF Pay operates custodial wallets on behalf of customers who use crypto rails. You do not manage seed phrases, hardware wallets, or private keys. Keys are held in hardware security modules with multi-party signing, and the custody operation is independently audited. For customers who require self-custody, integration with select self-custodial wallets is available on request.

Use cases

BOF Pay's crypto rails are used for corridor settlement (such as USD to USDC to MXN, settled the same hour), weekend and holiday payments where traditional rails are closed, treasury operations across subsidiaries in different countries, and paying remote contractors who prefer stablecoin compensation. The common thread is moving value across borders quickly, predictably, and at lower cost than the traditional alternative.

What this is not

BOF Pay is not a crypto exchange, a trading platform, or a brokerage. We do not offer Bitcoin, Ethereum, or any non-stablecoin crypto asset as an investment product. We do not provide tax, investment, or speculation services on crypto assets. Our crypto rails are a payments product, focused on stablecoins as a settlement medium for cross-border money movement. Customers seeking trading or investment in crypto assets should look elsewhere.

Get access

Crypto rails are available for business accounts after a brief additional review covering use case, compliance setup, and expected volumes. Contact info@bofpay.ai to start.