Sandbox environment — test data only. Nothing here moves real money.

Modern money for an emerging world.

Loam moves money across 35 markets in 7 regions — settling in seconds.

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~5 sec
Average settlement time
24/7
Availability — vs 5 days a week on banking rails

Who Loam is for

Banks

Loam gives banks cross-border settlement in seconds and local-currency payout across live corridors, so customers can move money without the bank maintaining a correspondent relationship in every market.

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Remittance groups

Remittance operators can keep corridors open around the clock, settle into local currency, and reduce the cost and weekend delays that make emerging-market payout hard to run at scale.

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Payroll

Payroll teams can fund once, pay many markets, and keep contractors receiving the currency they use locally without opening and reconciling bank accounts in every country.

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Treasury

Treasury teams get one place to hold stablecoin balances, convert local currency in and out, settle obligations, and reconcile their flows.

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Trade finance houses

Trade finance houses can fund a flow, hold funds against agreed conditions, release payment when both sides deliver, and keep the repayment path visible from origination to settlement.

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PSPs

PSPs can add cross-border settlement and local payout through Loam while keeping their existing customer, wallet, and reporting stack intact.

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iGaming

iGaming finance teams can settle operator balances and cross-border payouts continuously, including weekends, with every counterparty verified before it can send or withdraw funds.

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Insurance

Insurance operators can collect premiums, pay claims, and reconcile cross-border flows across markets while keeping counterparties verified and every movement traceable.

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Bank in, bank out, and everything in the middle.

Payments

Fund from any bank you already use and pay any verified counterparty; they receive their own local currency the same day. No correspondent banks, no weekend hold.

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FX

Convert between local currency and your stablecoin balance when you fund and when you pay out, with the rate and fees shown before you confirm.

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Escrow

Hold funds against agreed conditions and release them automatically once both sides deliver. Built for new counterparties and high-value trades.

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Security and controls your CFO will actually like.

KYB on every organisation

Every organisation on Loam must pass KYB verification before it can send or withdraw funds.* Counterparty records are kept in one place. Finance teams can review counterparties against a consistent record, reducing the number of manual checks scattered across email and spreadsheets.

* Offer not available in certain jurisdictions - please email support@loampay.com for more information.

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Custody of funds

Balances are held in stablecoins, currently USDC, in wallets that we maintain with our custody provider. Loam does not keep fiat balances for you: fiat you send is received through partner banks or payment providers and converted into your stablecoin balance, and fiat payouts are made through them. Loam is not a bank. Balances on Loam are not bank deposits and are not covered by any deposit protection scheme.

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Full audit trail

Every action, settlement, and invoice is timestamped and linked for a complete audit trail. Finance teams can see when a payment settled and which invoice it relates to.

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* Offer not available in certain jurisdictions - please email support@loampay.com for more information.

Customer API

The settlement rail, callable from your stack.

Request a foreign-exchange quote, read balances, then move money to approved destinations when that grant is open. Every guarantee is published in the OpenAPI 3.1 contract and enforced below the API layer.

  • Quotes, payments, treasury and ramps in one contract
  • Idempotency-Key on every write — a replay returns the first outcome
  • Money scopes granted under step-up authentication, revocable on a bounded clock
Open developer hub
POST /api/v1/payments
curl -X POST "$LOAM_API_BASE/payments" \  -H "Authorization: Bearer $LOAM_TOKEN" \  -H "Content-Type: application/json" \  -H "Idempotency-Key: $(uuidgen)" \  -d '{    "destination_id": "2f4cbb59-3ab1-4b6d-8d10-9cd2236cf94e",    "amount": 2500000,    "currency": "USD"  }'// Response
HTTP/1.1 202 Accepted
Location: /api/v1/payments/<payment-id>

{
  "ok": true,
  "data": {
    "id": "<payment-id>",
    "state": "processing"
  }
}

Settled across emerging corridors.

Trade-finance repayments, settled across continents.

Trade finance · East Africa → Singapore

A trade-finance fund routes exporter repayments from East Africa to its Singapore desk through Loam — settling in seconds instead of days, hundreds of thousands a month and scaling.

  • Settling in seconds instead of days
  • Hundreds of thousands a month and scaling
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Millions in grain — plus the credit to plant the next crop.

Grain · across Southern Africa

A regional grain network settles cross-border trades across the Botswana–South Africa corridor — over $4m to date — and draws on Loam financing to fund the seed and inputs for next season.

  • Cross-border trades across the Botswana-South Africa corridor
  • Over $4m to date
  • Financing for seed and inputs for next season
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High-volume payouts across SADC, around the clock.

High-volume payments · across SADC

A telecoms operator runs continuous, high-frequency payments across the region on Loam — dozens of payouts settling in seconds, 24/7.

  • Continuous, high-frequency payments across the region
  • Dozens of payouts settling in seconds, 24/7
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FAQ

What finance teams ask before they ship.

Still need more? Loam walks through your specific flow on a 30-minute call.

What does Loam actually do?

Loam moves money between businesses across borders, holds balances in stablecoins, currently USDC, and converts them to and from local currencies — one platform for cross-border settlement. Loam is not a bank.

Who's it built for?

Businesses moving money across emerging markets — banks, remittance groups, treasuries, trade finance houses, PSPs, payroll, iGaming and insurance.

How does Loam handle compliance?

Loam is not a bank. Every organisation must complete KYB verification before it can send or withdraw funds.*

* Offer not available in certain jurisdictions - please email support@loampay.com for more information.

Where does Loam operate?

Loam covers 35 markets across 7 regions — East Africa, West Africa, Southern Africa (SADC), Middle East, Asia-Pacific, Latin America and Europe (including the SEPA euro area). Direct bank rails are available in these countries today: Kenya and South Africa; everywhere else Loam arranges the transfer for you.

What can I hold and settle in?

Balances are held in USDC. You fund in local currency and receive local-currency payout across live corridors.

What does it take to get started?

Once your organisation has passed KYB verification, you can fund and settle. Fees are presented before you confirm a transaction.

Still have questions? Book a 30-min walkthrough (opens in new tab)

Start settling in minutes.

Once your organisation has passed KYB verification, you can fund and settle. Fees are presented before you confirm a transaction.

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