CambioReal EnterpriseLicensed rails to move money across the Americas, via API
Multi-currency accounts, cross-border payments and stablecoin on/off-ramp in a single API. For platforms operating between the United States, Brazil and Latin America.
POST /v1/payments
{
"amount": 50000,
"from": "BRL",
"to": "USD",
"rail": "stablecoin",
"settlement": "instant"
}
● 200 OK · settled in 1.2sOperating between the US, LatAm and Brazil takes more than FX
Correspondent banks disappear without warning. Settlement still takes 24 to 48 hours. Compliance is split between two regulators with different rules. Many teams stitch together five or six vendors and call it infrastructure.
Banking access vanishes
US correspondents drop Latin partners with little warning.
Capital trapped in transit
D+2 settlement is still the market standard.
Compliance is fragmented
Two jurisdictions, two stacks, two audits and twice the legal cost.
The entire infrastructure, in a single contract
money movementCambioPay
- Cross-border payments with D+0 to D+2 settlement
- 24/7 stablecoin rail, including outside banking hours
- Native Pix and smart liquidity routing
accountsCambioAccount
- US-licensed FBO accounts
- Virtual accounts per end customer
- Funding via ACH, FedNow, Wire, SWIFT, Pix and TED
- Fiat and USDC/USDT in the same account
On/Off Ramp
- BRL to stablecoin via Pix
- USDC and USDT mint and burn
- Sponsor banks in the US and Brazil
One network. Multi-currency, multi-rail, fiat and stablecoin.
Built for corridors that matter
- Lower costs via smart FX routing
- Auditable fiat and crypto ledger, end to end
- D+0 settlement, 24/7/365, via stablecoin rail
- Native rails across the Americas: ACH, FedNow, Wire, SWIFT, Pix and TED
- KYC, KYB and AML built into every flow
Built for companies operating at scale
Cross-border e-commerce
Sell in local currency and settle in dollars or euros at HQ. Transparent checkout with Pix, cards and installments, with automatic settlement to your headquarters.
For: Premium online retail, streaming, universities.
International SaaS
Bill subscriptions in local currency and concentrate revenue in dollars, with virtual accounts per end customer and native recurring billing.
For: B2B and B2C software platforms.
Marketplaces and OTAs
Automate complex flows: split transaction value, take rate and taxes at origin, and route payments to multiple sellers in a single API call.
For: Global marketplaces, online travel agencies, crowdfunding.
High-volume apps
Pay thousands of users at once with instant reach via Pix and local rails: one API call, thousands of payouts.
For: Freelancers, regulated iGaming, AdTech, creator economy.
HR techs and EORs
The financial infrastructure behind global hiring: payroll for talent in Brazil and LatAm with simplified KYC and USD funding.
For: Employer of Record, IT outsourcing, HR consultancies.
From contract to first transaction in 2 to 4 weeks
Direct API
Full control for engineering teams: REST endpoints, webhooks and a test environment.
White-label
The interface with your brand; compliance, KYC and FX handled by CambioReal.
Embedded UI
The hybrid path: ready-made components inside your product, without building from scratch.
Compliance built in, not outsourced
FinCEN since 2004
A Money Services Business registered with the US Treasury's FinCEN (no. 31000275649876), with $3 billion processed in 2025.
Native KYC, KYB and AML
Verification and monitoring built into the API, on both ends of every transaction.
PCI DSS Level 1 and LGPD
Audited card data security and Brazilian data privacy standards.
Trusted by companies that move billions across the Americas
We built this infrastructure over two decades. Today it is the foundation of financial operations for hundreds of companies across the US and LatAm.
Build your operation on our rails
Talk to our enterprise team
Tell us about your operation. We respond within one business day with a tailored architecture proposal.
Contact salesBuild with our APIs
REST + JSON, sandbox access and full documentation. 2 to 4 weeks from contract to first transaction.
Read the docsBefore you integrate
What is CambioReal Enterprise?
CambioReal's infrastructure, opened up via API: cross-border payments (CambioPay), licensed multi-currency accounts (CambioAccount) and stablecoin on/off-ramp, in a single contract.
How long does implementation take?
2 to 4 weeks from contract to first transaction, via direct API, white-label or embedded UI.
Which currencies and rails are supported?
20+ currencies on demand (USD, BRL, EUR, MXN, ARS, COP, CLP and others, plus USDC and USDT) over ACH, RTP, FedNow, Wire, SWIFT, Pix and TED, with D+0 to D+2 settlement.
How does the stablecoin rail work?
Licensed conversion between fiat and stablecoin: BRL becomes USDC/USDT via Pix (and the other way around), with our own mint and burn and sponsor banks in the US and Brazil. Available 24/7, including outside banking hours.
Does my platform need its own license?
No. In white-label mode, your brand is up front and CambioReal is responsible for compliance, KYC, KYB and FX, with licensed institutions in each jurisdiction.
How much does it cost?
Pricing depends on volume and the layers you choose. Talk to a specialist to get a tailored proposal.