OwlPay
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🚀 Cut fees by 93%?

💸 Here’s a real-world example that actually did it with OwlPay Harbor 👀 👉

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Multi-currency Settlements

Global Payments, Settled in Minutes

The compliant stablecoin infrastructure for seamless on/off ramps and worldwide payouts. Connect USDC to local banking rails instantly.

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Real-world settlements

Connect stablecoin adoption with day-to-day business operations. Off-ramp directly into 20+ local currencies supported by the Circle Payments Network.

  • Currencies20+
  • Country50+
  • Licenses40+
Solutions
Cross-border payoutsGig economy & marketplaces
Stablecoin checkoutE-commerce & High-value goods
Multi-party settlementEnterprises & platform

Cut settlement time from days to hours

Help platforms like freelance marketplaces off-ramp USDC directly into local currencies—enabling same-day payouts to contractors in Asia, Africa & LatAm.

Legacy Swift3+ Days
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OwlPay HarborSame day
Customize your payment flow

Boost margins, zero chargebacks

Accept USDC payments to slash transaction fees and eliminate fraud risks. Perfect for high-value e-commerce, luxury goods, and digital services.

Fee Reduction
5%right arrow icon0.5%
Discuss your checkout option

Pay anyone, anywhere from stablecoin 

Traditional off-ramps can only send funds back to yourself. OwlPay Harbor unique infrastructure allows businesses off-ramp directly to third-party bank accounts, including vendors, employees, and service providers.

Unified Ledger View Unified Ledger View
Normal offrampSelf
OwlPay Harbor offrampThird party
Select your payout destination
New

Connect debit cards to USDC rails

Enable debit card based on and off ramp directly on your service, expanding access to broader card users and connecting card rails to the stablecoin ecosystem.

Enabled by visa direct

Learn more

US regulated, global reach

Available for onboarding in 40+ US states. Payouts supported globally via our regulated banking partners

Checkout Supported countries

Build your way

Choose the integration that fits your stack

Harbor unified API

Flexible, multi-chain support (EVMs, Solana). Best for custom checkout flows and complex treasury logic.

View API Docs

Harbor anchor

Fully compliant with SEP-24 & SEP-10. Ideal for wallets and platforms already built on the Stellar network.

View Anchor Specs

Compliance as a feature

Built-in AML screening and KYC/KYB checks, ensuring your platform remains compliant without the operational burden

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Simple, transparent pricing

Standard0.12%per transaction handling fee

  • Unified Ledger View Pay as you go
  • Unified Ledger View No monthly minimums
  • Unified Ledger View Instant API keys
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EnterpriseCustomtailored to your volume

  • Unified Ledger View Volume discounts (> $5M/mo)
  • Unified Ledger View Dedicated account manager
  • Unified Ledger View 24/7 SLA Support
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Have more questions about OwlPay Harbor?

  • Which country/region can access OwlPay Harbor?

    OwlPay Harbor is available globally for on/off-ramps and payouts, subject to OFAC sanctions. Contact us for a fast availability check.

  • How can Harbor help if our company needs high-volume cross-border payments?

  • Can Harbor assist if we do not have a US bank account but need to pay US recipients?

  • What can Harbor offer if we have a money service license but our bank does not support stablecoins?

  • How can Harbor support us if we are building a Web3 app and want to integrate stablecoin flows?

  • Can Harbor help if we already have a wallet and bank but no USDC on/off ramp?

  • What does Harbor offer if we want to cut costs on global payments?

  • Is it possible to support USDC payments without handling the funds ourselves using Harbor?

  • Can Harbor help us stay compliant if we do not have an in-house KYC/AML/compliance team?

  • How can Harbor help us as a Web2 company entering Web3?

  • Which blockchains does Harbor support?

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