Developers should not have to spend months stitching together banking partners, crypto bridges, and compliance providers just to move money globally.

Fern gives you everything you need — one API, one integration, one place to orchestrate money movement across 180+ countries and 6+ blockchains. With just three API calls, you can be live and processing real transactions in under a week.

This guide shows how Fern’s API works, what you can build, and why it is the fastest way to launch global money movement at scale.

1. One API for Everything

Fern is your single point of integration for fiat, stablecoins, and crypto:

• Send and receive payments in 180+ countries

• Support major blockchains like Ethereum, Arbitrum, Base, Optimism, Polygon — and now Solana

• Move funds between bank rails and onchain assets instantly

• Access out-of-the-box global on and offramps, wallets, virtual accounts, and cards

Instead of managing multiple providers and compliance programs, Fern gives you one integration that just works.

1.1 Solana Support (New)

Fern now supports Solana, unlocking fast, low-cost transactions for builders who want to reach millions of users already active in the Solana ecosystem.

• SPL token transactions: USDC, USDT, EURC, PYUSD

• On/off-ramps supported wherever Fern operates

• Crypto-to-crypto flows

• Full support for EURC + PYUSD (Bridge only)
  ⚠️ Native SOL transactions, swapping, and bridging are coming soon

This makes Fern the easiest way to integrate Solana into your product — no need to manage liquidity, compliance, or multiple providers. Plug into one API and start moving assets across Solana with the same full coverage Fern already offers across other chains.

2. Fast Integration and Setup

With Fern you can be production-ready in a week:

• Make three API calls to go live

• Use clear, future-proof endpoints

• Customize with hosted UI and sample apps

• Get direct support from Fern’s engineering team

Fern’s reliability is battle-tested with 99.99% uptime and lightning-fast response times so you can focus on building your product, not firefighting payments.

3. Powerful API Features

Fern’s Currency Multiplex engine routes transactions intelligently to find the fastest and most cost-effective path.

Key features include:

• Any currency to any currency (fiat or crypto)

• No transaction limits

• Routing engine that finds best path and rate

• Automated transfer rules for payouts

• Smart contract wallets with gas sponsorship

• Yield on funds at rest with revenue-sharing options

4. Compliance Built In

Building your own compliance stack is slow and expensive. Fern automates it for you:

• Automated KYC and KYB for individuals and businesses

• AML transaction monitoring with real-time alerts

• Required reports filed with regulatory authorities

• Secure data storage with PII encrypted at rest

5. Security You Can Trust

Every transaction is protected with enterprise-grade security:

• Independently penetration-tested by security experts

• Fireblocks MPC protocol secures signers

• Full encryption at rest for sensitive data

6. Pricing for Every Stage

Whether you are just testing or running global-scale operations, Fern’s pricing tiers fit your needs:

• Builder: $0 per month, unlimited currency support, pay as you go per wallet and KYC

• Startup (Regional): $499 per month with lower FX fees and dedicated Slack support

• Startup (Global): $999 per month, unlimited currencies, virtual accounts, and whitelabeled notifications

• Enterprise: Custom pricing, card issuance, and yield revenue share

7. Example: Quote Request in One Call

const response = await fetch('https://app.fernhq.com/api/v1/quotes', {
    method: 'POST',
    headers: {
      "Authorization": "Bearer FSK",
      "Content-Type": "application/json"
    },
    body: JSON.stringify({
	    "customerId": "03b7030f-6da1-4d76-9352-cdebd821128",
	    "source": {
		    "sourceAccountId": "1a4b5d3e-89f0-4a56-9d34-b2c7d8e4f921",
		    "sourceCurrency": "USDT",
		    "sourcePaymentMethod": "Solana",
		    "sourceAmount": "100000"
	    },
	    "destination": {
	      "destinationAccountId": "072a8b7b-38c7-429a-a6cf-35dae7f2fa7",
	      "destinationCurrency": "BRL",
	      "destinationPaymentMethod": "PIX"
	    },
	    "developerFee": {
		    "developerFeeType": "USD_SPREAD",
		    "developerFeeAmount": "1000"
	    }
    })
});

const data = await response.json();

This single request converts USDT on Solana into BRL via PIX with a developer fee included — all with one endpoint.

Conclusion

Fern gives developers a simple, powerful way to move money globally without managing multiple integrations. With compliance, routing, and security built in — and now full Solana support — you can launch fast, scale confidently, and stay focused on your core product.

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