Settle

Your bankor your wallet.

Fiat to your bank account, or stablecoin to your wallet — chosen per payout destination, not per architecture rewrite. The same sale settles either way, and every balance answers “held by whom?”

Balances in the APXRAILS dashboard — seeded test-mode data

Balances that name their custodian

Pending and available balances per currency, each labeled with who actually holds the funds — because “your balance” should never be a mystery. Who that is in your flows is agreed at underwriting and written into your merchant agreement.

  • Custody, labeled

    Every balance carries its custodian, so the trust question has an answer on the screen.

  • Payouts to approved destinations only

    Money can only leave to the destination verified at onboarding — a hijacked login cannot redirect your payouts.

Destination

The same sale,either destination.

Toggle it yourself — this is the choice every merchant gets per payout destination.

Payout · SEPA

Available

€12,480.00

Destination
NO49 3625 •••• ••••
Timing
T+1 where the partner rail supports it
Minimum
None

T+1 default where the partner rail supports it, no minimums; instant payouts later as a paid feature.

Terms

Stated in writing,before you process.

Settlement schedule, currencies and reserve terms are agreed at underwriting and written into your merchant agreement — not discovered after your first payout.

Fiat

SEPA to your bank

Euro payouts to the bank account verified at onboarding, on the schedule your agreement states.

Stablecoin

USDC to your wallet

Early accessPartner-executed conversion at a contracted quote, settled to your wallet. Ships when the settlement partner contract is signed — labeled honestly until then.

Currencies

Settlement currency per account

Which currencies you settle in is set per merchant account at underwriting, matched to the rails you are routed onto.

Reserves

Published reserve terms

Rolling reserves are stated per risk tier — the percentage, the hold window, why it exists and when it releases — before you sign.

Settled,your way.

Start buildingRead the reconciliation docs

Every rail, one ledger

Tell us whatyou’re building.

Underwritten one business at a time. Four lines get you a real answer — what you sell, your volume, how you want to be paid, where you are today.

Email hello@apxrails.comWhat to include →Or start in the sandbox first →