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Airtm Embedded Payments
What Airtm Embedded Payments is
Airtm Embedded Payments adds Airtm’s payout network to a business product through one API integration. Businesses fund payouts in USDC, which Airtm converts into local currency for delivery to bank accounts, mobile wallets, or cash points. Recipients do not need an Airtm account. Coverage listed by the service is 34 countries and 127 payment methods, including banks, mobile money, and cash. The partner-scoped API key supports registering senders and receivers, requesting corridor quotes, executing transactions, and receiving funding instructions. Documentation and a sandbox are available, while a webhook reports completed delivery. Airtm says payouts typically take under three minutes on key corridors, depending on the destination rail. Its KYC model leaves user KYC with the business while Airtm handles sanctions screening, transaction monitoring, and regulatory reporting. Pricing and foreign exchange are supplied through a corridor quote.
Who it suits
It is aimed at wallets, fintechs, marketplaces, payroll and HR providers, and remittance platforms integrating payouts. Businesses needing local-currency delivery through multiple payment methods may find the API workflow suitable.
What it does well
- USDC funding with local-currency delivery
- 34 countries and 127 payment methods
- Recipients need no Airtm account
- API documentation and sandbox available
- Webhook confirms completed delivery
What to know first
- Pricing is supplied on request
- Foreign exchange uses corridor quotes
- Delivery speed depends on destination rail
- Businesses perform user KYC
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Embedded Payments | 34 countries · 127 payment methods · Fund in USDC · Pricing and FX provided by corridor quote | On request |
As airtm.com lists them, read 11 Oct 2026. The maker's own page has the final word.
Verdict
Airtm Embedded Payments provides an API-based route from USDC funding to local payouts across listed countries and rails. Its workflow includes quoting, transaction execution, tracking, and completion webhooks, with commercial terms handled by corridor quote.
Facts from Airtm Embedded Payments's own pages
- API workflow
- The integration uses a partner-scoped API key to register senders and receivers, request quotes, execute transactions, and receive funding instructions; API documentation and a sandbox are available. · airtm.com, 11 Oct 2026
- Commercial terms
- The product page directs businesses to contact Airtm, and payout pricing and foreign exchange are supplied through a corridor quote. · airtm.com, 11 Oct 2026
- Company history
- Airtm’s platform page says it has provided access to stablecoins such as USDC since 2015. · airtm.com, 11 Oct 2026
- Compliance
- Airtm describes a KYC reliance model: the business performs user KYC, while Airtm handles sanctions screening, transaction monitoring, and regulatory reporting independently; Airtm says it is FinCEN registered. · airtm.com, 11 Oct 2026
- Coverage
- The page lists 34 countries and 127 payment methods, including banks, mobile money, and cash. · airtm.com, 11 Oct 2026
- Delivery speed
- Airtm says payouts typically take under three minutes on key corridors, with speed depending on the destination rail. · airtm.com, 11 Oct 2026
- Example rails
- The page names PIX, Pago Móvil, UPI, GCash, and M-Pesa as instant delivery examples. · airtm.com, 11 Oct 2026
- Exchange-rate model
- variable · airtm.com, 22 Sept 2026
- Upfront fee display
- Yes · airtm.com, 22 Sept 2026
- Founded
- 2015 · airtm.com, 28 Sept 2026
- Headquarters
- Dover, Delaware, United States · airtm.com, 28 Sept 2026
- Intended users
- Airtm lists wallets and fintechs, marketplaces, payroll and HR providers, and remittance platforms as suitable businesses. · airtm.com, 11 Oct 2026
- Payout destinations
- Payouts can be delivered in local currency to bank accounts, mobile wallets, or cash points, and recipients do not need an Airtm account. · airtm.com, 11 Oct 2026
- Payout status
- A webhook fires when delivery is complete. · airtm.com, 11 Oct 2026
- Product
- Embedded Payments adds Airtm’s global payout network to a business’s own product through a single integration. · airtm.com, 11 Oct 2026
- Routing
- The service lists active monitoring, rail failover, and dedicated liquidity operations as resilient-routing features. · airtm.com, 11 Oct 2026
- Settlement
- Businesses fund payouts in USDC, which Airtm converts and delivers in local currency. · airtm.com, 11 Oct 2026
- Support
- Airtm offers a contact form, email, and support tickets for product issues on its contact page. · airtm.com, 11 Oct 2026
- Transfer speed
- instant · airtm.com, 22 Sept 2026
- Transfer tracking
- Yes · airtm.com, 22 Sept 2026
Where Airtm Embedded Payments stands on Freedom251
- Money Transfer Apps#74 of 81