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Enable global money movements within days

Fern provides global liquidity across the broadest number of fiat and crypto currency pairs, optimizing to provide the best rates and speeds.

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();

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WITH FERN

Build it

glo!

Out-of-the-box global money movement across crypto and fiat

USD and 50+ global currencies via local bank rails, stablecoins and leading cryptocurrencies on 10+ chains.

3 API calls, and you're live

Get started immediately, and go live within a week for a fully whitelabeled solution.

Global compliance

Rely on Fern's licensing and compliance program across payments, customers, and transactions.

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Without Fern

Integrating global money movements
can be a full-time job. It doesn't have to be.

We want you to focus on your company's secret sauce. Let us handle the complexities of compliance and global money movements.

Expensive

Without Fern, companies either integrate multiple low-level providers (e.g. banks) and build their own compliance programs, or work with aggregators that charge higher fees for more limited coverage.

Not dev-friendly

Most providers prioritize coverage and compliance, not DX. We've dealt firsthand with legacy APIs, opaque documentation, limited support, and lots of pain so you don't have to.

Hidden regulatory obligations

Depending on your integration approach, you may have compliance and regulatory obligations you're not aware of. Fern removes these burdens by handling the overhead for you, while enabling you to whitelabel Fern so your brand comes first.

FERN API FEATURES

One API. Powerful features.

Global multiplex APIs

Orchestrate global money movement across currencies and regions

Any currency to any currency (fiat/crypto)
Earn revenue from transactions
Any individual or business globally
No transaction limits
Routing engine that finds the best route and rates

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Supercharged wallet APIs

Seamlessly provision enhanced wallets to your users, to onboard to web3

Multi-chain (EVM, non-EVM)
Smart contract wallets with gas sponsorship
Automated transfer rules
Yield on funds at rest
Earn revenue on yield generation

Coming soon

Multi-currency account APIs

Empower users with fiat accounts in 15+ currencies

Named accounts for your users
Enables fiat acceptance in 15+ currencies
Seamless FX/crypto conversions
Yield on funds at rest
Earn revenue from yield generation and transactions

Coming soon

Powered by the Fern Currency Multiplex

The Fern Currency Multiplex routes payments intelligently, ensuring the fastest and most cost-effective transfer across crypto and fiat. Battle tested and powering hundreds of millions in transaction volume.

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Get to production in 1 week.

Easy, out-of-the-box setup

Simple, future-proof APIs
Customizable, hosted UI
Sample apps and code

White-glove support

Direct channel and quick response times
Forward-deployed engineers available
Quick turnaround on feature requests

Reliability and response times

Lightning-fast responses
99.99% uptime
Minimal retroactive fixes

compliance

Build with peace of mind.

Rely on Fern's comprehensive compliance program so that you can focus on building your core product.

Payment and conversion services

We work with licensed and regulated liquidity and bank partners in every region

In the US, Fern is regulated as a money services business

Customer onboarding

Customizable KYC and KYB forms for global onboarding while maintaining your brand

Our team verifies customers and ensures legitimate use through due diligence and direct inquiries

Transaction monitoring and reporting

Our transaction monitoring system continuously detects and flags suspicious activity

Our team files required reports with relevant regulatory authorities for any flagged transactions

Security

Independently pen-tested by security professionals

Signers are managed by Fireblocks’ MPC protocol, and PII is encrypted at rest

Trusted and used by the best in industry.

Join other Fern builders in creating your own novel financial experiences today.

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