Coverage

What each product covers today - networks, currencies, rails, and countries.

Rheon’s goal for the Stablecoin On/Off-Ramp is universal: use any stablecoin, from any wallet and any network, as a payment method. The set below is the coverage today and expands toward that goal. It is one statement for both integration paths: what the SDK covers, the API covers, and nothing more.

Read coverage at runtime rather than hard-coding it: GET /v1/currencies serves the live set of networks, assets, currencies, and rails, and GET /v1/countries, GET /v1/limits, and GET /v1/rates cover the rest of this page.

Crypto deposits

Fund a deposit from any of these networks:

• Ethereum
• Arbitrum
• Base
• Optimism
• Polygon
• BNB Chain
• Tron
• Robinhood Chain
• Solana
• Stable

Users fund with a stablecoin (such as USDC or USDT, where available on the source network). Deposits settle as USDC by default, moved cross-chain via external protocols such as Circle CCTP. To settle on another chain or token, name both on the quote - see Stablecoin/crypto deposits.

Your key has to be enabled for a destination chain before you can settle on it. An unenabled chain comes back 403 chain_not_allowed at quote time rather than failing later.

Bank transfers

The second rail moves fiat from banks and local payment methods into stablecoins. Only compliant, licensed rails are used. On-ramp and off-ramp are covered on On-ramp and Off-ramp.

Virtual accounts

Permanent details in your user’s own name that convert on arrival - see Virtual accounts for what the product does.

Currencies

Local details in your user’s name, kept permanently, that convert on arrival.

Currency	Rails	Who may pay in	Account details
EUR	SEPA, SEPA Instant	Account holder or a third party	In the user’s name
GBP	Faster Payments, BACS, CHAPS	Account holder only	In the user’s name
USD	ACH, Wire, RTP	Account holder or a third party	In the user’s name
USD	SWIFT	Account holder or a third party	In the user’s name
AED	IPP, FTS	Account holder or a third party	In the user’s name
AUD	NPP local wire	Account holder only	In the provider’s name
BRL	PIX	Account holder or a third party	QR code or PIX key
MXN	SPEI	Account holder or a third party	CLABE
NGN	NIP	Account holder or a third party	NUBAN
COP	BRE-B	Account holder or a third party	QR code or BRE-B key

Stablecoin collection accounts are also available on Ethereum, Arbitrum, Base, Optimism, Polygon, Avalanche, Solana, and Tron - use them to collect stablecoins and settle out to fiat.

In the pipeline: ARS, PEN, SGD, CAD, KES, GHS, IDR, VND, EGP, HKD.

Some accounts (USD, AED, COP) are provisioned asynchronously - the details come back empty on creation and arrive moments later. Poll until they are populated rather than showing an empty screen to your user.

Transfer limits and settlement

Applies to bank transfers and virtual accounts alike: settlement speed and per-transfer ceilings, by region.

Global

Currency	Direction	Method	Settlement	Limit
USDC	Both	Ethereum, Arbitrum, Base, Optimism, Polygon, Avalanche, Starknet, Solana, Tempo	Instant	-
USDT	Both	Ethereum, Tron, Plasma, Solana	Instant	-
EURC	Both	Ethereum, Base	Instant	-
BRLA	Both	Ethereum, Base	Instant	-
USD	Both	SWIFT	T+1 to T+3	-
EUR	Payout	SWIFT	T+1 to T+3	-
GBP	Payout	SWIFT	T+1 to T+3	-

Europe

Currency	Direction	Method	Settlement	Limit
EUR	Pay-in and payout	SEPA Instant	Instant	100,000 EUR
EUR	Pay-in and payout	SEPA Credit	T+0 to T+1	-
GBP	Pay-in and payout	Faster Payments	Instant	1,000,000 GBP
GBP	Pay-in and payout	BACS	T+0 to T+1	-
DKK, NOK, PLN	Payout	Local wire	T+0	-

Americas

Currency	Direction	Method	Settlement	Limit
USD (US)	Both	FedWire	Under 2 hours	-
USD (US)	Both	ACH	T+0 to T+1	-
BRL	Both	PIX	Instant	-
MXN	Both	SPEI	Instant	-
COP	Both	BRE-B	Instant to T+1	-
CAD	Payout	EFT	T+0 to T+1	600,000 CAD
CLP	Payout	Local wire	T+1	89,000,000 CLP
BOB	Payout	Local wire	T+0	10,000,000 BOB
CRC	Payout	Local wire / Pako	Instant	13,510,000 CRC / 540,800 CRC
DOP	Payout	Local wire / Billet	T+1 / Instant	- / 70,000 DOP
GTQ	Payout	Local wire / Tigo Money	T+0 / Instant	58,605 GTQ / 20,000 GTQ
HNL	Payout	Local wire	T+0	184,488 HNL
JMD	Payout	Local wire / Digicel	T+0 / Instant	- / 75,000 JMD
USD (Ecuador)	Payout	Local wire	T+0	-
USD (El Salvador)	Payout	Local wire / Tigo Money	T+0 / Instant	7,500 USD / 1,850 USD
UYU	Payout	Local wire	T+1	5,000,000 UYU

Africa

Currency	Direction	Method	Settlement	Limit
NGN	Both	Bank transfer	Instant	50,000,000 NGN
KES	Both	M-Pesa	Instant	999,999 KES
RWF	Both	Mobile money	Instant	2,000,000 RWF
UGX	Both	Mobile money	Instant	5,000,000 UGX
XOF	Both	Mobile money	Instant	2,000,000 XOF
XAF	Both	Mobile money	Instant	500,000 XAF
ZMW	Both	Mobile money	Instant	20,000 ZMW
SLE	Both	Mobile money	Instant	15,000 SLE

KES, RWF, and XAF are business-to-business only, on request.

APAC and Middle East

Currency	Direction	Method	Settlement	Limit
AED	Both	IPP / FTS	Instant / under 2 hours	50,000 AED / -
PHP	Both	InstaPay / PesoNet	Instant / T+0 to T+1	50,000 PHP / 10,000,000 PHP
SGD	Payout	FAST	Instant	200,000 SGD
HKD	Payout	FPS	Instant	-
INR	Payout	UPI, IMPS	Instant	-
IDR	Payout	BI-FAST	Instant	Set by the beneficiary
JPY	Payout	Local wire	T+0	1,000,000 JPY
KRW	Payout	Local wire	Instant to T+1	-
MYR	Payout	RPP, DuitNow	Instant to T+1	1,000,000 MYR
THB	Payout	PromptPay	Instant	49,999 to 9,999,999 THB
TRY	Payout	FAST / EFT	Instant / T+0 to T+1	100,000 TRY / -
SAR	Payout	Sarie Instant	Instant to T+0	-
PKR	Payout	Raast, e-wallets	Instant	50,000 PKR on e-wallets
BDT	Payout	Local wire, e-wallets	Instant	250,000 BDT on e-wallets
ILS	Payout	Local wire	T+1	25,000 ILS
CNY	Payout	WeChat Pay, Alipay	Instant	50,000 CNY each
AUD, NZD	Payout	Local wire	T+0	-
VND	Payout	NAPAS	Instant to T+0	-

In the pipeline

Currency	Direction	Method	Settlement
ARS	Both	CBU/CVU, Transferencias 3.0	Instant
GHS	Both	Bank transfer	Instant
TRY	Pay-in	FAST / EFT	Instant / T+0 to T+1
CAD	Both	EFT, Interac	Instant to T+0
USD	Payout	Venmo, PayPal	Instant
SGD	Pay-in	FAST	-
KES	Both	RTGS	T+0 to T+1
RWF, UGX	Both	Local wire	T+0 to T+1
PEN	Both	Local wire	Under 1 hour on payout
TZS	Both	Local wire	Instant
VND	Pay-in	Local wire	Instant to T+0
ZAR	Both	EFT	Instant

Cards

Card payments: price a payment, start it, and follow it to settlement. Apple Pay is available on the hosted payment page. Card currencies, countries, limits, and rates have their own lookups - start at Card currencies.

Cards also work in the outgoing direction - see Card payouts.

The two card directions are not symmetric. Paying in works across dozens of currencies; paying out settles in EUR, GBP and USD only. For every other currency the outgoing route is a bank payout.

Apple Pay

Apple Pay is part of this product, so its coverage is the card coverage above plus one condition on the buyer’s side: a supported Apple device. There is no separate country list.

Native in-app Apple Pay, through the API, carries one extra requirement - each partner has to be whitelisted on the card partner’s Apple account before it can be used. See Apple Pay.

Card issuing

Region	Coverage
United States	Covered
Latin America	Covered
EU and EEA	Covered
MENA	Coming soon
South East Asia	Coming soon

See Card issuing.

Three ways in and out

Every corridor is one of three shapes, and each works in both directions:

Shape	In	Out
Cards and Apple Pay	Card payment	Card payout
Local bank transfers	Virtual account or a one-off deposit	Bank payout, including from a virtual account
Alternative payment methods	Mobile money, QR schemes, local networks	The same, where the market supports it

Bank transfers do not always need a virtual account. Several countries take a one-off transfer against a payment reference instead - which is how each country works is answered by GET /v1/payment-methods, not by this page.

Alternative payment methods

In several markets the dominant way to pay is neither a card nor a bank transfer: mobile money in East and West Africa, PIX QR codes in Brazil, and local payment networks elsewhere. They on-ramp and off-ramp directly to stablecoins, without a virtual account in the middle.

Availability moves faster than this page, so read it per country at runtime: GET /v1/payment-methods returns each method with its currency, direction, limits, and settlement speed.

Where we cannot onboard

Users are onboarded across most of the world, under OFAC, EU, UN, UK, and MAS sanctions rules. Accounts cannot be opened for anyone domiciled in, operating from, or primarily owned by people in:

Belarus, Central African Republic, China, Cuba, DR Congo, Eritrea, Guinea-Bissau, Iran, Iraq, Lebanon, Libya, Mali, North Korea, Russia, Somalia, South Sudan, Sudan, Syria, Venezuela, Yemen, Zimbabwe, and the disputed or occupied territories of Ukraine (Crimea, Donetsk, Luhansk, and the wider Donbas).

Some industries are excluded wherever they are based: arms and defence, atomic power, correspondent banks, counterfeit goods, human trafficking, illicit drugs, shell companies, proliferation financing, pyramid and Ponzi schemes, unlicensed banks, unlicensed gambling, unlicensed pharmaceuticals, unlicensed remittance, wildlife trafficking, and any other unlicensed or criminal activity.

Eligibility in the end depends on jurisdictional risk and the policies of the banking and payment networks behind a given rail.