If you run a business that touches more than one country, you already know the drill. A supplier in Kenya wants USD. A customer in the UK wants to pay you in GBP. Your finance team is stuck waiting three days for a wire to clear, and nobody can tell you exactly why.

It's not just slow. It's expensive, hard to plan around, and it eats hours your team could spend on the business itself.

Why cross-border payments are still this hard

A few things keep tripping businesses up:

• Multiple banking relationships just to collect and pay out in the currencies you actually deal in
• Hidden fees buried in exchange rates that only show up after the transfer lands
• Settlement delays that stall payroll, supplier payments, or customer refunds
• No single place to move between fiat and stablecoins when you need speed or liquidity

Most of this comes down to one thing: businesses are stitching together tools that were never built to talk to each other.

A simpler way to move money across borders

Onboard is built for exactly this. Whether you're a startup collecting international customer payments, an importer paying overseas suppliers, a fintech that needs payment rails inside your own product, or a desk trading six figures at a time, Onboard gives you one place to do it.

Three products, one infrastructure:

The Business App: for teams that want to move money without building anything

If you just need to send and receive money across borders without wiring up an integration, the Business App is the starting point. No engineering lift, no waiting on a dev team.

With it, you can:

• Collect in USD, stablecoins (USDC, USDT), and local currency like NGN
• Pay out in local currencies like NGN, GHS, and KES, plus USD
• Swap between stablecoins and cash at competitive rates, all in the same place
• Manage it all from a self-serve dashboard built for founders, finance teams, and operators, not just developers

It's the fastest way for e-commerce businesses, agencies, startups, and importers with real cross-border flow to stop juggling multiple banking relationships.

Want to see it before committing? Book a quick call and we'll walk you through it.

The API: for fintechs and platforms that want to build this in

Some businesses don't want a dashboard. They want the rails themselves, built directly into their own product. That's what the API is for.

With Onboard's API, fintechs, PSPs, and cross-border platforms can:

• Pay out in African and Southeast Asian local currencies, including NGN, GHS, KES, and IDR, with more corridors added regularly
• Collect multi-currency deposits in NGN, USD, and GBP (EUR collections are coming soon)
• Ramp between stablecoins and fiat, settled in real time instead of waiting on batch processing
• Hold, send, and receive USDC and USDT as part of your own product's wallet infrastructure

This is the same infrastructure Onboard already runs at scale for its own consumer product, now open to partners who want to build on top of it instead of starting from zero.

If you're a technical team evaluating this, you should book a call with us so we discuss your business needs.

The OTC Desk: for high-volume trades that need a firm price

Once you're moving serious volume, a self-serve app or standard API call isn't always the right tool. That's where the OTC Desk comes in, built for desks, exchanges, treasuries, and payment companies trading $20k and above.

With the OTC Desk, you get:

• Firm, locked quotes so the rate you're shown is the rate you get, no surprise slippage mid-trade
• Swaps between stablecoins and fiat, including USDC, USDT, USD, EUR, and local currencies
• A dedicated trading channel over WhatsApp, Slack, or Telegram, so large trades don't get stuck in a support queue

For treasuries and operators who need to move large positions without moving the market against themselves, this is the direct line.

Why stablecoins sit at the center of all three

Across the Business App, API, and OTC Desk, stablecoins aren't a side feature, they're core to how Onboard moves money. USDC and USDT give businesses a way to hold value, settle quickly, and move between currencies without waiting on traditional banking rails to catch up.

If your business already thinks in stablecoins, or is exploring them for the first time, Onboard treats that as a first-class part of the infrastructure, not an add-on.

Which product is right for you?

• Need to send and receive payments without building anything? Start with the Business App.
• Building your own product and need payment rails under the hood? Look at the API.
• Trading five figures or more and need a firm quote? Talk to the OTC Desk team directly.

Many businesses actually move between these over time. A company might start on the Business App, then move to the API once their own product needs the same infrastructure baked in, then graduate to the OTC Desk as volume grows.

What happens next

Onboard already processes serious volume for its own consumer product across 100+ countries, which is exactly the infrastructure now open to business partners. Whether you're paying one supplier or settling large trades daily, the underlying rails are the same ones proven at scale.

If you're not sure which product fits, that's a normal place to start. Book a quick call and we'll help you figure out the right entry point for how your business actually moves money.