> ## Documentation Index
> Fetch the complete documentation index at: https://dev.enterprise.moonpay.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Rails & Capabilities

> Virtual Accounts. Stablecoin settlement. Collections, payouts, wallets, swaps, and more.

MoonPay Enterprise connects local payment rails to stablecoins through named Virtual Accounts, with collections, payouts, wallets, and swaps.

## Virtual Accounts

Create named accounts for each customer with third-party payments enabled. Incoming fiat converts automatically to stablecoins; stablecoins convert to fiat and settle to a bank account. Customers can access local payment rails without local incorporation.

### Rails and coverage

Coverage snapshot: September 2026. October 2026 launches are planned.

| Currency                                 | Rails                     | Settlement        | Status                                         |
| ---------------------------------------- | ------------------------- | ----------------- | ---------------------------------------------- |
| <span aria-hidden="true">🇺🇸</span> USD | ACH, Wire, FedNow, SWIFT  | T+0 / T+1 (SWIFT) | <span className="rail-status-live">Live</span> |
| <span aria-hidden="true">🇪🇺</span> EUR | SEPA Instant, SEPA Credit | Real-time         | <span className="rail-status-live">Live</span> |
| <span aria-hidden="true">🇬🇧</span> GBP | Faster Payments, CHAPS    | Real-time         | <span className="rail-status-live">Live</span> |
| <span aria-hidden="true">🇧🇷</span> BRL | PIX                       | Real-time         | <span className="rail-status-live">Live</span> |
| <span aria-hidden="true">🇲🇽</span> MXN | SPEI                      | Real-time         | Planned: Oct 2026                              |
| <span aria-hidden="true">🇦🇷</span> ARS | Local bank transfer       | Real-time         | Planned: Oct 2026                              |
| <span aria-hidden="true">🇨🇴</span> COP | Local bank transfer       | Real-time         | Planned: Oct 2026                              |

See [payment methods](/fiat-payment-methods) for rail-specific processing windows and [country coverage](/country) for customer eligibility.

### Multi-bank redundancy

Lead, Erebor, LHV, and Banking Circle. If one bank cannot support a customer, payments route through another without a second integration.

### Global regulatory coverage

* 47 US state MTLs
* NYDFS BitLicense
* MiCA CASP
* Dutch EMI
* FCA
* Central Bank of Ireland
* AUSTRAC
* FINTRAC

See [MoonPay licenses](https://www.moonpay.com/legal/licenses) for details.

### Three onboarding models

* [Hosted KYC/B](/hosted): MoonPay Enterprise runs onboarding.
* [Shared KYC/B](/sharing): You submit the data.
* [KYC/B reliance](/reliance-kyc-token-sharing): Rely on your own programme.

### Customer-specific limits

Limits reflect declared income and wealth and can be reviewed before a payment is blocked. No platform-level cap applies to businesses. See [limits and minimums](/limits-and-minimum).

### API-first platform

Embed onboarding, documents, and banking rails in your product through one API. The platform supports white-label integrations so customers never leave your product.

## Other services

Available through the same MoonPay Enterprise relationship.

<Info>
  Wallets use a separate SDK and credentials.
</Info>

<Columns cols={2}>
  <Card title="Payouts" icon="money-bill-transfer" href="/offramp">
    Convert stablecoins to fiat and pay any registered bank account. Set an exact amount or enable continuous sweeps.
  </Card>

  <Card title="Your own stablecoin" icon="coins" href="/issuance/create-your-stablecoin">
    Launch with MoonPay as US issuer of record, or issue offshore using PYUSDx. Retain brand, economics, and rewards. \$100 million+ issued.
  </Card>

  <Card title="Wallets" icon="wallet" href="/wallet/wallet-as-a-service">
    Embed self-custodial wallets across Ethereum, EVM networks, Solana, and Tron. No seed phrases or custody infrastructure.
  </Card>

  <Card title="Swaps" icon="arrows-rotate" href="/stable-to-stable">
    Move between stablecoins and across chains at a locked or prevailing market rate.
  </Card>

  <Card title="Transaction visibility" icon="list-check" href="/transaction-status">
    Track each transaction through the API and signed webhooks, from funds review and conversion through payout, completion, or rejection.
  </Card>

  <Card title="Configurable fees" icon="receipt" href="/fees-and-invoices">
    Set transaction, banking, and partner fees by customer, currency pair, or payment rail. Pass fees on, absorb them, or settle through monthly invoicing.
  </Card>

  <Card title="Developer infrastructure" icon="code" href="/api-access">
    Versioned APIs, idempotent requests, signed webhooks with automatic retries, delivery logs, and a full Sandbox.
  </Card>

  <Card title="Instant or daily settlement" icon="calendar" href="/end-of-day-settlement">
    Pay out per transaction, or consolidate high volumes into one daily transfer with the banking fee charged once per batch. Set per route.
  </Card>
</Columns>

## Stablecoins and blockchains

**11 chains. 15 stablecoins.** Ethereum, Solana, Base, Arbitrum, Polygon, Tron, Avalanche, Stellar, and more. USDC, USDT, EURC, PYUSD, and others.

See [stablecoins and blockchains](/stablecoins-and-blockchains) for the full list of supported assets and networks.

## Get started

<Columns cols={2}>
  <Card title="Create a Virtual Account" icon="building-columns" href="/onramp">
    Set up a named account that converts incoming fiat into stablecoins.
  </Card>

  <Card title="Get API access" icon="key" href="/api-access">
    Create your API keys and start integrating in the Sandbox.
  </Card>
</Columns>