--- title: "Infrastructure for international payments | efy Finance" description: "Discover EFY's infrastructure for receiving, converting and settling international payments through bank and digital rails with full traceability." canonical: https://www.efyfinance.com/en/infrastructure/ lang: en --- [About us](https://www.efyfinance.com/en/about-us) [Products](https://www.efyfinance.com/en/products) [Multi-currency accounts Operate in USD, EUR, BRL and more](https://www.efyfinance.com/en/products/cuentas-multimoneda) [Digital wallet Balance, transfers and collections](https://www.efyfinance.com/en/products/wallet-digital) [efy Card Global corporate card](https://www.efyfinance.com/en/products/efy-card) [Currencies](https://www.efyfinance.com/en/currencies) [For business](https://www.efyfinance.com/en/for-business) Company [Infrastructure](https://www.efyfinance.com/en/infrastructure) [Success stories](https://www.efyfinance.com/en/success-stories) Help center Content [**Blog and articles** Guides and concepts](https://www.efyfinance.com/en/help-center/blog) [**Product news** Launches and improvements](https://www.efyfinance.com/en/help-center/news) Help center [**Frequently asked questions** Quick answers](https://www.efyfinance.com/en/help-center/faq) [**Tutorials and how-tos** Step by step](https://www.efyfinance.com/en/help-center/tutorials) [**Support** WhatsApp, call, and social](https://www.efyfinance.com/en/help-center#soporte) [Browse the whole information center](https://www.efyfinance.com/en/help-center) Account Choose how to continue **Personal** Personal account **Business** Business account # The infrastructure behind every movement A single platform connects your local money, local and digital currencies, and destination accounts. We receive, convert and deliver every payment, so you never have to think about what happens underneath. $ Local currency Stablecoins Bank account ![EFY](https://www.efyfinance.com/assets/fig/logo-word-white.svg) Local accounts efy Card USDT![USDT](https://www.efyfinance.com/assets/app/rail-usdt.png) ## One flow, four steps Every transaction follows the same clear, traceable path, from start to finish. 01 Reception Receive money in your local currency or in stablecoins, from any of our markets. 02 Conversion We convert your money into local and digital currencies (USDT) at a clear, visible rate. 03 Best route We find the fastest, most cost-effective route for your transaction, in every market. 04 Settlement The money reaches the destination account the same day, typically within 1 to 2 hours. ## Everything the platform handles for you USD to USDT with a clear rate, no surprises Multi-currency balances Receive and manage several currencies in one place. International transfers Arrives in local accounts within hours, not days. ## Five stages working together From what you see to what protects you, each stage plays a role and connects to the next. Interfaces Where you operate: app, web and control panel. App Web Dashboard Orchestration Accounts, balances, beneficiaries and rules for every transaction. Accounts Balances Beneficiaries Conversion and settlement The engine that converts between local and digital currencies. FX USDT Settlement Rails and corridors The networks that connect every market where we operate. Local banks Networks Corridors 05 Compliance and security The stage that protects and gives traceability to the entire flow. KYC Monitoring Custody ## Switch between currencies in seconds The conversion engine sits at the core of the platform. Convert your local money into local and digital currencies with a clear rate and a transparent fee, and see the total you'll receive before confirming. - Visible rate before you confirm - Transparent fee, no surprises - Same-day settlement Enter an amount equal to or greater than 10.00 USDT TRC-20 Deposit 25,000 MXN Receive 1,344.09 USDT 0:26 · the rate will refresh 1 USDT ~ 18.60 MXN Amount to deposit 25,000.00 MXN USDT to receive 1,314.85 USDT [Convert](https://app.efyfinance.com/register) Coverage and performance ## A network built to scale The coverage, speed and controls behind the network — measured against real operations. 1 to 2 h Typical settlement time 17 Settlement countries 12 and more Supported currencies 100% Regulated, traceable operation Trust and compliance ## Institutional standards in every transaction Efy Technologies S.A. de C.V. Efy Finance · El Salvador PSB Bitcoin Service Provider PSAD Digital Asset Service Provider Supervised by BCR · CNAD Regulated entity Efy Technologies S.A. de C.V. (Efy Finance) is the Salvadoran entity authorized as a Bitcoin Service Provider (PSB) and Digital Asset Service Provider (PSAD), supervised by the BCR and the CNAD. AML/CFT KYC / KYB / KYT Sanctions Chainalysis Transaction monitoring Active Notabene Transfer traceability Active MetaMap Identity verification Active Compliance in every transaction We apply AML/CFT, KYC/KYB/KYT and international sanctions policies, with Chainalysis, Notabene and MetaMap integrated into onboarding and transaction monitoring. Fireblocks · MPC INSTITUTIONAL Shard 01 Shard 02 Shard 03 Segregated keys 2 of 3 Institutional custody Custody runs on Fireblocks with MPC technology, key segregation, and strict access and authorization controls. Client funds Trust · Panama Segregated accounts SEPARATE Operating funds Group balance sheet Asset segregation Client funds are held in a Panamanian trust, separate from the group's operating funds. THREE LINES OF DEFENSE 1 Daily operations and control 2 Risk and compliance 3 Internal audit Reports to Board of directors Risk governance Efinti Holdings sets the financial and non-financial risk framework, with limits per counterparty and corridor, and continuous monitoring. We work with leading partners in custody, verification and monitoring.![Fireblocks](https://www.efyfinance.com/assets/partners/fireblocks.png)![Chainalysis](https://www.efyfinance.com/assets/partners/chainalysis.png?v=2)![Notabene](https://www.efyfinance.com/assets/partners/notabene.png) MetaMap ## Every corridor, open The network connecting your currency to 17 countries is online right now. Come in whenever you're ready. [Sign up](https://app.efyfinance.com/register) [Schedule a call](https://www.efyfinance.com/en/contact) CORRIDOR SETTLEMENT STATUS MXN → USDT ~1 h ONLINE COP → USD ~2 h ONLINE USDT → BRL ~1 h ONLINE PEN → USD ~2 h ONLINE 17 SETTLEMENT COUNTRIES NO BANKING HOURS ## All your money, in one view Accounts, card and transactions run on the same layer that connects fiat and digital rails. ### Your entire operation in one view Net worth, multi-currency accounts and card, all on the home screen. Total net worth $4,900.00 USD ▾ USD Account $4,900.00 USDT · Tether 9,919 EUR Account 0.00 Digital assets 0.00 ### Your card, instantly Virtual in seconds, physical in days. Compatible with Apple Wallet. My card View details efy Card · VISA ••• Balance · USD $0.00 Add to Apple Wallet ### Receive from anywhere in the world SWIFT, ACH and local transfers that settle in hours, not days. Transactions 4 BBVA México SWIFT 14:32 $2,400.00 ● Approved Chase Bank N.A. ACH 09:18 $1,850.00 Wells Fargo Bank Fedwire 11:04 $650.00 Proveedor LATAM SWIFT 16:48 −$2,200.00 ● In progress Stripe Inc. ACH 08:02 $980.00 ### Protect your capital in USDT Convert your balance into local and digital currencies with the rate and fee always visible, before you confirm. [Get started](https://app.efyfinance.com/register) Wallet balance Asset Holding USDT Tether USD 9,919 COP ↑ 0.02% USD USD Account $4,900.00 ₿ BTC Bitcoin 0.00 Global financial infrastructure. Capital in Motion. 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Products and availability vary by jurisdiction and are subject to local regulation. Figures shown are illustrative and do not constitute an investment offer. --- Fuente HTML: https://www.efyfinance.com/en/infrastructure/ · Índice para agentes: https://www.efyfinance.com/llms.txt