> ## Documentation Index
> Fetch the complete documentation index at: https://ramps-edd-individual-expected-jurisdictions.mintlify.site/llms.txt
> Use this file to discover all available pages before exploring further.

# Currencies & Payment Rails

> Supported currencies, countries, and payment methods

export const FeatureCardContainer = ({children}) => <div className="not-prose feature-card-container">
    {children}
  </div>;

export const FeatureCardList = ({children}) => <div className="not-prose feature-cards-list">
    {children}
  </div>;

export const FeatureCardGrid = ({cols = 3, children}) => <div className={`not-prose feature-cards-grid feature-cards-cols-${cols}`}>
    {children}
  </div>;

export const FeatureCard = ({icon, title, children, href, linkHref, linkText, color, tag, tagPosition, layout, variant, iconSize}) => {
  const isHorizontal = layout === 'horizontal';
  const isFlat = variant === 'flat';
  const isLargeIcon = iconSize === 'lg';
  const isInlineTag = tagPosition === 'inline';
  const className = ['feature-card', href && 'feature-card-link', !icon && 'feature-card-no-icon', isHorizontal && 'feature-card-horizontal', isFlat && 'feature-card-flat', isLargeIcon && 'feature-card-icon-lg'].filter(Boolean).join(' ');
  const card = <div className={className}>
      {icon && <div className="feature-card-icon-wrapper">
          {color ? <div className="feature-card-icon" style={{
    WebkitMaskImage: `url(${icon})`,
    maskImage: `url(${icon})`,
    backgroundColor: color,
    width: '24px',
    height: '24px',
    WebkitMaskSize: 'contain',
    maskSize: 'contain',
    WebkitMaskRepeat: 'no-repeat',
    maskRepeat: 'no-repeat'
  }} /> : <img src={icon} alt="" className="feature-card-icon" />}
        </div>}
      <div className="feature-card-content">
        {isInlineTag ? <div className="feature-card-title-row">
            <span className="feature-card-title">{title}</span>
            {tag && <span className="feature-card-tag">{tag}</span>}
          </div> : <div className="feature-card-title">{title}</div>}
        <div className="feature-card-desc">{children}</div>
        {tag && !isInlineTag && <div className="feature-card-tag-row"><span className="feature-card-tag">{tag}</span></div>}
        {linkText && <div className="feature-card-link-row">
            {linkHref ? <a href={linkHref} className="feature-card-text-link" style={{
    color: color
  }}>
                {linkText}
              </a> : <span className="feature-card-text-link feature-card-coming-soon" style={{
    color: color,
    opacity: 0.6
  }}>
                {linkText}
              </span>}
          </div>}
      </div>
    </div>;
  return href ? <a href={href} className="feature-card-anchor">{card}</a> : card;
};

Grid supports a wide range of fiat currencies and cryptocurrencies, with automatic routing across optimal payment rails based on currency, destination, and speed requirements.

## Supported Currencies

<FeatureCardContainer>
  <FeatureCardList>
    <FeatureCard icon="/images/icons/coins.svg" title="Cryptocurrency" tag="Available Globally" tagPosition="inline" layout="horizontal" variant="flat">
      Bitcoin (BTC) and Stablecoin transactions supported worldwide with no geographic restrictions.
    </FeatureCard>

    <FeatureCard icon="/images/icons/blocks.svg" title="Full Platform Access" tag="United States & Europe" tagPosition="inline" layout="horizontal" variant="flat">
      Onboard as a platform with complete access to APIs, hosted KYC/KYB, dashboard, and business integrations.
      Send payments to 63 countries on local banking rails, in addition to BTC and stablecoins.
    </FeatureCard>

    <FeatureCard icon="/images/icons/globe.svg" title="Local Payment Rails" tag="63 Countries" tagPosition="inline" layout="horizontal" variant="flat">
      Receive payments via local rails like SEPA, PIX, UPI, and more.
    </FeatureCard>
  </FeatureCardList>
</FeatureCardContainer>

| Country | ISO Code | Payment Rails |
| - | - | -: |
| 🇦🇹 Austria | AT | `SEPA` `SEPA Instant` `SWIFT` |
| 🇧🇩 Bangladesh | BD | `Bank Transfer` `Mobile Money` (bKash, Nagad) `SWIFT` |
| 🇧🇪 Belgium | BE | `SEPA` `SEPA Instant` `SWIFT` |
| 🇧🇯 Benin | BJ | `Mobile Money` (MTN, Moov) `SWIFT` |
| 🇧🇷 Brazil | BR | `PIX` `SWIFT` |
| 🇧🇬 Bulgaria | BG | `SEPA` `SEPA Instant` `SWIFT` |
| 🇨🇲 Cameroon | CM | `Mobile Money` (Orange, MTN) `SWIFT` |
| 🇨🇳 China | CN | `AliPay` `WeChat Pay` `Bank Transfer` `SWIFT` |
| 🇨🇴 Colombia | CO | `Bank Transfer` `Mobile Money` (Nequi, Daviplata) `SWIFT` |
| 🇭🇷 Croatia | HR | `SEPA` `SEPA Instant` |
| 🇨🇾 Cyprus | CY | `SEPA` `SEPA Instant` `SWIFT` |
| 🇨🇿 Czech Republic | CZ | `SEPA` `SEPA Instant` `SWIFT` |
| 🇩🇰 Denmark | DK | `SEPA` `SEPA Instant` `SWIFT` |
| 🇪🇬 Egypt | EG | `Bank Transfer` `Mobile Money` (Orange Cash, Vodafone Cash, Etisalat Cash, Meeza) `SWIFT` |
| 🇪🇪 Estonia | EE | `SEPA` `SEPA Instant` `SWIFT` |
| 🇫🇮 Finland | FI | `SEPA` `SEPA Instant` `SWIFT` |
| 🇫🇷 France | FR | `SEPA` `SEPA Instant` `SWIFT` |
| 🇩🇪 Germany | DE | `SEPA` `SEPA Instant` `SWIFT` |
| 🇬🇭 Ghana | GH | `Bank Transfer` `Mobile Money` (MTN MoMo, AirtelTigo) `SWIFT` |
| 🇬🇷 Greece | GR | `SEPA` `SEPA Instant` `SWIFT` |
| 🇭🇹 Haiti | HT | `Mobile Money` (MonCash) `SWIFT` |
| 🇭🇺 Hungary | HU | `SEPA` `SEPA Instant` `SWIFT` |
| 🇮🇸 Iceland | IS | `SEPA` `SEPA Instant` `SWIFT` |
| 🇮🇳 India | IN | `UPI` `NEFT` `RTGS` `SWIFT` |
| 🇮🇩 Indonesia | ID | `Bank Transfer` `SWIFT` |
| 🇮🇪 Ireland | IE | `SEPA` `SEPA Instant` `SWIFT` |
| 🇮🇱 Israel | IL | `Bank Transfer` `SWIFT` |
| 🇮🇹 Italy | IT | `SEPA` `SEPA Instant` `SWIFT` |
| 🇨🇮 Ivory Coast | CI | `Mobile Money` (Wave) `SWIFT` |
| 🇰🇪 Kenya | KE | `Mobile Money` (M-PESA) `SWIFT` |
| 🇱🇻 Latvia | LV | `SEPA` `SEPA Instant` `SWIFT` |
| 🇱🇮 Liechtenstein | LI | `SEPA` `SEPA Instant` `SWIFT` |
| 🇱🇹 Lithuania | LT | `SEPA` `SEPA Instant` `SWIFT` |
| 🇱🇺 Luxembourg | LU | `SEPA` `SEPA Instant` `SWIFT` |
| 🇲🇼 Malawi | MW | `Mobile Money` (Airtel, TNM) `SWIFT` |
| 🇲🇾 Malaysia | MY | `Bank Transfer` `SWIFT` |
| 🇲🇹 Malta | MT | `SEPA` `SEPA Instant` `SWIFT` |
| 🇲🇽 Mexico | MX | `SPEI` `SWIFT` |
| 🇳🇱 Netherlands | NL | `SEPA` `SEPA Instant` `SWIFT` |
| 🇳🇬 Nigeria | NG | `Bank Transfer` `SWIFT` |
| 🇳🇴 Norway | NO | `SEPA` `SEPA Instant` `SWIFT` |
| 🇵🇰 Pakistan | PK | `Bank Transfer` `Mobile Money` (JazzCash, EasyPaisa) `SWIFT` |
| 🇵🇭 Philippines | PH | `Bank Transfer` `SWIFT` |
| 🇵🇱 Poland | PL | `SEPA` `SEPA Instant` `SWIFT` |
| 🇵🇹 Portugal | PT | `SEPA` `SEPA Instant` `SWIFT` |
| 🇷🇴 Romania | RO | `SEPA` `SEPA Instant` `SWIFT` |
| 🇷🇼 Rwanda | RW | `Mobile Money` (MTN, Airtel) `SWIFT` |
| 🇸🇳 Senegal | SN | `Mobile Money` (Orange Money, Wave) `SWIFT` |
| 🇸🇬 Singapore | SG | `PayNow` `FAST` `Bank Transfer` `SWIFT` |
| 🇸🇰 Slovakia | SK | `SEPA` `SEPA Instant` `SWIFT` |
| 🇸🇮 Slovenia | SI | `SEPA` `SEPA Instant` |
| 🇿🇦 South Africa | ZA | `Bank Transfer` `SWIFT` |
| 🇪🇸 Spain | ES | `SEPA`  `SEPA Instant` `SWIFT` |
| 🇸🇪 Sweden | SE | `SEPA` `SEPA Instant` `SWIFT` |
| 🇨🇭 Switzerland | CH | `SEPA` `SEPA Instant` `SWIFT` |
| 🇹🇿 Tanzania | TZ | `Mobile Money` (Airtel, Vodacom) `SWIFT` |
| 🇹🇭 Thailand | TH | `Bank Transfer` `SWIFT` |
| 🇺🇬 Uganda | UG | `Mobile Money` (Airtel, MTN) `SWIFT` |
| 🇦🇪 United Arab Emirates | AE | `Bank Transfer` `SWIFT` |
| 🇬🇧 United Kingdom | GB | `Faster Payments` `SWIFT` |
| 🇺🇸 United States | US | `ACH` `Wire Transfer` `RTP` `FedNow` `SWIFT` |
| 🇻🇳 Vietnam | VN | `Bank Transfer` `SWIFT` |
| 🇿🇲 Zambia | ZM | `Mobile Money` (Airtel, MTN, Zamtel) `SWIFT` |

<Note>
  `SWIFT` is the international-wire fallback, available in USD and EUR to nearly every
  destination — including the countries above, and many not listed here that have no local Grid
  rail. Prefer the local rail where one exists: it is faster and cheaper. `SWIFT` cannot reach
  sanctioned or prohibited destinations; Croatia and Slovenia are the two countries in this table
  it does not cover, and both are fully served by `SEPA`. Contact your Lightspark account manager
  to confirm coverage for a specific corridor.
</Note>

<Note>
  `Mobile Money` pays a wallet held against the beneficiary's phone number rather than a bank
  account. Create the external account with `phoneNumber` (and, in corridors served by more than
  one wallet, the `provider` or `bankName` that selects it) instead of an account number.
  Corridors that list both rails accept either — pick the one your beneficiary holds.

  The wallets in parentheses show which providers a corridor reaches. Use the
  [Discoveries API](/api-reference/discoveries/list-available-receiving-institution-names) for the
  exact accepted values and current coverage, since wallet availability changes over time.
</Note>

<Note>
  China has two rails serving different beneficiaries. `AliPay` and `WeChat Pay` are
  consumer wallet payouts — use these to pay an individual. `Bank Transfer` is
  business-to-business only, so it cannot be used to pay an individual.
</Note>

Regional Summary

<FeatureCardGrid cols={4}>
  <FeatureCard icon="/images/icons/globe.svg" title="Europe" tag="32 countries">
    Primary: SEPA/SEPA Instant
  </FeatureCard>

  <FeatureCard icon="/images/icons/globe.svg" title="Middle East and Africa" tag="16 countries">
    Primary: Mobile Money and Bank Transfer
  </FeatureCard>

  <FeatureCard icon="/images/icons/globe.svg" title="Asia-Pacific" tag="10 countries">
    Various instant payment systems
  </FeatureCard>

  <FeatureCard icon="/images/icons/globe.svg" title="Americas" tag="5 countries">
    PIX, SPEI, ACH, FedNow
  </FeatureCard>
</FeatureCardGrid>

## Coming Soon

Grid is rapidly expanding. These corridors are next on our roadmap — get in touch to be first in line when they go live.

| Country | ISO Code |
| - | - |
| 🇨🇦 Canada | CA |
| 🇭🇰 Hong Kong | HK |
| 🇰🇷 South Korea | KR |

<Note>
  Grid automatically selects the optimal rail based on currency, country, and amount. You don't need to specify the rail in your API requests. For destinations without a local rail, create a SWIFT external account to pay out over international wire — see [External Accounts](/payouts-and-b2b/depositing-funds/external-accounts).
</Note>

## Currency Conversion

Grid handles currency conversion automatically through the quote system:

### Exchange Rates

* **Real-time rates**: Grid provides live exchange rates based on market conditions
* **Rate locking**: Quotes lock rates for 1-15 minutes depending on payment type
* **Transparency**: Exact rates and fees shown before execution
* **No hidden fees**: What you see in the quote is what you pay

### Example Conversion Flow

```bash theme={null}
POST /quotes

{
  "source": {"sourceType": "ACCOUNT", "accountId": "InternalAccount:e85dcbd6-dced-4ec4-b756-3c3a9ea3d965"},
  "destination": {"destinationType": "ACCOUNT", "accountId": "ExternalAccount:a12dcbd6-dced-4ec4-b756-3c3a9ea3d123"},
  "lockedCurrencySide": "SENDING",
  "lockedCurrencyAmount": 100000
}
```

**Response:**

<Accordion title="Response">
  ```json theme={null}
  {
    "id": "Quote:019542f5-b3e7-1d02-0000-000000000020",
    "status": "PROCESSING",
    "createdAt": "2025-10-03T15:00:00Z",
    "expiresAt": "2025-10-03T15:05:00Z",
    "source": {
      "sourceType": "ACCOUNT",
      "accountId": "InternalAccount:e85dcbd6-dced-4ec4-b756-3c3a9ea3d965"
    },
    "destination": {
      "destinationType": "ACCOUNT",
      "accountId": "ExternalAccount:a12dcbd6-dced-4ec4-b756-3c3a9ea3d123"
    },
    "sendingCurrency": {
      "code": "USD",
      "name": "United States Dollar",
      "symbol": "$",
      "decimals": 2
    },
    "receivingCurrency": {
      "code": "MXN",
      "name": "Mexican Peso",
      "symbol": "$",
      "decimals": 2
    },
    "totalSendingAmount": 100000,
    "totalReceivingAmount": 1716375,
    "exchangeRate": 0.05797101,
    "feesIncluded": 500,
    "platformFeesIncluded": 0,
    "transactionId": "Transaction:019542f5-b3e7-1d02-0000-000000000025"
  }
  ```
</Accordion>

This shows: Send $1,000 → Receive $17,163.75 (1 USD ≈ 17.25 MXN, or exchangeRate: 0.05797101), \$5 fee.