Hold one balance. Pay out in any currency.
Money arrives as fiat or stablecoin, converts into your USDC or USDT balance, and every payment comes out of that one balance.
- EU VASP · Poland KRS #RDWW-1633
- FINTRAC MSB · Canada #C100000969
Why businesses hold stablecoins
Legacy rails charge you twice: once in fees, and again in the days you spend waiting for money you have already earned.
Time
About 90 seconds
Stablecoins settle on blockchain rails, 24/7, with no business hours and no cut-off times.
Connectivity
Instant local payouts
Your balance swaps straight into local payout methods through licensed partners, who hold the liquidity on the other side.
Flexibility
Convert on demand
You hold the balance and convert only when you need fiat. No forced conversion on someone else’s timeline.
Your balance is held in stablecoins, not in our bank account
Regulated stablecoins
USDC from Circle and USDT from Tether, each backed 1:1 by US dollar reserves and redeemable at par.
A wallet only you can move
Self-custodial by default. You hold the keys, and you can withdraw to any external wallet at any time.
On-chain, in your name
Your balance sits on-chain, in a wallet in your name, not on Endl’s balance sheet.
How stablecoin holding works
From money in to money out, in four steps
- 01
Get your details
Share your local account details for a fiat transfer, or your wallet address for a stablecoin one.
- 02
Money arrives
Your client pays in USD, EUR, GBP, MXN or BRL, or sends stablecoins from any supported chain.
- 03
It converts on arrival
Whatever lands is converted into your stablecoin balance at the rate you were quoted before it moved. No spread hidden in the conversion.
- 04
Pay out from one balance
Every payout, card spend and transfer is deducted from that single balance, across 40+ local rails to 160+ countries.
One balance means no pre-funding in five currencies, no cash stranded in a currency you are not using, and one ledger to reconcile at month end.
Regulated where it counts, built on infrastructure you already know
EU VASP
Zayment Finance SP. Z.O.O., a virtual asset service provider registered in Poland. KRS #RDWW-1633.
FINTRAC MSB
Zayment Finance Ltd., a money service business registered in Canada. #C100000969.
Fiat rails from Bridge, self-custodial wallets from Dynamic, institutional key management from Dfns. The parts that touch your money are run by specialists who do only that.
Security that sits inside the payment, not around it
Keys you control
Wallet keys are generated and held on your device, protected by biometrics.
Screening in the flow
Every account and counterparty is checked against global watchlists before funds move.
Encrypted throughout
Encryption in transit and at rest, across every service that touches your balance.
Every action logged
Role-based access and an audit trail on every transaction, ready for your finance and audit teams.
Self-custodial or custodial: what you gain, what you give up
Self-custodial
Pros
- You hold the keys. Nobody can freeze or move your balance.
- Withdraw to any external wallet, any time.
- No counterparty to fail.
Cons
- Lose your key and there is no reset.
- Security sits with you.
Custodial
Pros
- Password resets and account recovery.
- Compliance handled by the provider.
Cons
- Counterparty risk if the provider fails.
- Your balance can be frozen without your consent.
- You inherit the provider’s mistakes.
Why Endl is self-custodial by default
A business balance should not depend on one company staying solvent. You hold the keys, so your working capital is yours on any given day, and you still get the account details, payouts, cards and support you would expect from a custodial product.
