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
Build it
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.
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.
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.
3 API calls, and you're live
Get started immediately, and go live within a week for a fully whitelabeled solution.
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.
Global compliance
Rely on Fern's licensing and compliance program across payments, customers, and transactions.
Global compliance
Rely on Fern's licensing and compliance program across payments, customers, and transactions.
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

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

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
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

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

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


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

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


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
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
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


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
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.
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
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.
compliance
Build with peace of mind.
Rely on Fern's comprehensive compliance program so that you can focus on building your core product.
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
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
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
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
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
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
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
Security
Independently pen-tested by security professionals
Signers are managed by Fireblocks’ MPC protocol, and PII is encrypted at rest
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.