Cross-Border Payment & Remittance
Enable Instant Cross-Border Payments with Reliable FX Rate Infrastructure
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Most payment platforms struggle with unreliable FX rates that create regulatory risks and customer disputes.
Without real-time, compliant exchange rates and proper audit trails, payment providers face regulatory scrutiny, customer complaints about hidden fees, and competitive disadvantage from poor pricing transparency. When your payment platform can't provide accurate conversion rates, transparent cost calculations, or regulatory-compliant documentation, customer trust and business growth become impossible.
What are the pain points when processing cross-border payments?
Delayed or inaccurate real-time FX rates trigger re-pricing mid-transaction, leading to revenue loss and disputes
Inconsistent rate sources during market volatility cause failed transactions and poor customer experience
Navigating multiple regulatory frameworks across jurisdictions increases operational overhead and legal exposure
Missing audit trails and poor documentation leave teams vulnerable to penalties and failed examinations
No standardized compliance reporting adds cost and slows regulatory response
Lack of clear, accurate conversion data erodes customer trust and weakens competitiveness
Complex multi-corridor pricing makes it hard to offer competitive rates and expand into new markets
How does CoinAPI solve this issue?
Deliver Accurate, Real-Time Exchange Rates
- Live FX rates for hundreds of fiat and crypto pairs, refreshed up to sub-second via WebSocket streamingMarket data API docs
- Multiple calculation methodologies - mid-market, bid/ask spreads, VWAP - for transparent customer pricingMarket data API docs
- Historical rate retrieval via /history to lock in and verify the exact rate appliedMarket data API docs
- Data sourced from top-liquidity venues and designed to support fair‑value methodologies (IFRS 13 / ASC 820)
Support Compliance and Audit Readiness
- Complete audit trails with UTC timestamps, rate source IDs, and exchange metadata for regulator-ready evidenceMarket data API docs
- Data exports through your own compliance stack
- Retention policies aligned with financial data best practices for cross-border payment providers
Provide the Data Backbone for Routing & Optimization
- High-frequency FX and liquidity data to inform payment routing decisions across corridors
- Historical datasets to back-test routing models and reduce settlement costs
- Works seamlessly with your payment rails - SWIFT, blockchain networks, or proprietary platforms - by feeding accurate FX inputs
Enterprise-Grade Performance at Scale
- High-availability infrastructure with multiple global points of presence
- Low-latency delivery for instant quote updates and smooth customer experience
- Scalable architecture capable of handling millions of daily rate requests
Developer-First Integration
- REST and WebSocket APIs with rate locking, historical lookups, and metadata filteringMarket data API docs
- SDKs for Python, JavaScript, Java, C#, Go, and moreMarket data API docs
- Clear, comprehensive documentation to accelerate integration into payment platforms and back-office systems
Service Commitments & Data Guarantees for Cross-Border Payments
- Uptime SLA: 99.9% monthly uptime for REST and WebSocket APIs, measured by independent monitoring services. Service credits apply if uptime falls below the target.
- Low-Latency Delivery: Sub-second API response times under normal network conditions. An optional enterprise SLA is available with latency targets for peak trading hours.
- Global Corridor Coverage: Access to hundreds of fiat and crypto pairs, with documented source depth and update frequency for each corridor. Enterprise clients receive a coverage map showing liquidity confidence per market.
- Retain for compliance and audit as permitted by your license: Right to store and reuse historical rate data from CoinAPI indefinitely for compliance, audit, and dispute resolution purposes. Includes UTC timestamp and originating source metadata.
- Failover & Redundancy: Multi-source architecture with automatic failover to alternate venues if a primary source becomes unavailable. Failover designed to occur within seconds to maintain rate continuity.
Why Developers Love Us?
Our API is built by developers, for developers. We give the right tools and resources to streamline your workflow and complete products faster and more efficiently.
Our core values
Why Choose CoinAPI?
Serge Kaulitz, Head DLT / Blockchain & Digital Assets
Luzerner Kantonalbank (LUKB)
"For us, selecting a Coin API is about reliability, transparency, and value. We look for broad currency coverage, consistent and verifiable pricing, and robust data access. Easy integration and responsive support are essential to build secure and scalable services."
