Financial services infrastructure
Move and manage money across every market.
Any business. Any currency. Fiat or digital.
Riomoney gives businesses the accounts, payments and FX they need to operate globally, through licensed partners and one API.
- Kessler GmbHSEPA · Invoice 1042+€18,400
- Ana RibeiroPIX · Payout−R$9,250
- Ashby StudioFaster Payments · Received+£6,200
Why Riomoney
One platform for fiat and digital money.
Connect to payment networks old and new through a single integration, instead of a different provider for every country.
Your product, our infrastructure
Embed accounts, payments and FX directly into your app or platform, under your own brand. Your customers never leave your product.
Launch financial features without becoming a bank.
Coverage through licensed partners
Riomoney works with regulated partners in each region, so you can open new markets without applying for every licence yourself.
New country, same integration.
A lighter back office
Issue as many named virtual accounts as you need. Every incoming payment is matched to the right customer automatically, with no spreadsheets.
Chase growth, not payments.
Built to stay up
Several providers stand behind each payment network. If one route slows down, payments move to another automatically.
Money keeps moving, weekends included.
Products
Three building blocks. Use one, or all of them.
Payments
Collect and send money at home and across borders, in real time wherever the network allows.
- Accept payments
- Send payouts
- Open banking pay-ins
- Stablecoin transfers
Accounts
One account structure for your company's money and your customers' balances, built to scale.
- Named virtual accounts
- Multi-currency business accounts
- Pooled client accounts
- Embedded accounts for your users
FX & digital assets
Convert between currencies, and between fiat and digital assets, inside the same payment flow.
- Real-time FX
- One upfront rate per conversion
- Crypto on- and off-ramp
- By API or dashboard
Digital asset services are offered only where our partners are licensed to provide them.
Dashboard
Every payment, one dashboard.
Track incoming money, send payouts and convert currencies across all your accounts from one place.
- Named virtual accounts in many currencies, as many as you need
- Incoming payments matched to customers automatically
- One clear FX rate shown before every conversion
- Team roles and approvals for outgoing payments
Incoming payments
Example data for illustration.
Global accounts
Local account details in the markets you work with.
Open local accounts in Europe, Latin America, Asia, Africa and the US. Clients pay you like a local business, and every payment lands in the same dashboard.
| Currency | Account details you get | Local rails |
|---|---|---|
| EUR | Named IBAN | SEPASEPA Instant |
| GBP | Sort code + account number | Faster PaymentsCHAPS |
| BRL | PIX key + local account | PIXTED |
| MXN | CLABE | SPEI |
| COP | Local account | PSEACH Colombia |
| INR | Local account + IFSC | UPIIMPSNEFT |
| PHP | Local account | InstaPayPESONet |
| SGD | Local account | FASTPayNow |
| NGN | NUBAN account | NIP |
| KES | Local account or mobile money | PesaLinkM-Pesa |
| ZAR | Local account | EFTPayShap |
| USD | Account + routing number | ACHFedwireRTPSWIFT |
Coverage shown is indicative and depends on partner availability and eligibility.
Solutions
Built for businesses that move money for others.
Remittance
Pay out to bank accounts, mobile wallets and cash networks in your customers' home countries, all funded from one balance.
- Local payouts across many corridors
- Pre-funded balances in each payout currency
- Sanctions screening on every recipient
Marketplaces & platforms
Collect from buyers, hold funds safely and pay sellers in their own currency.
- A virtual account for every seller
- Split and scheduled payouts
- Embedded accounts under your brand
Payroll
Pay employees and contractors in their local currency, on time, every cycle.
- Bulk payouts from one file or API call
- Same-day local payments where available
- A clear FX cost for every payroll run
Forex & brokerage
Fund client accounts quickly and pay out withdrawals without delays.
- A named account for each client
- Instant deposits over local networks
- Automatic matching of every deposit
Digital assets
Connect your exchange or wallet to fiat payment networks and stablecoin rails.
- Fiat on- and off-ramp
- Real-time SEPA, PIX and Faster Payments
- Stablecoin settlement where licensed
Developers
Same call, any rail.
Change the destination and Riomoney picks the local rail. Webhooks tell you when money arrives, converts or settles.
import { Riomoney } from "@riomoney/sdk"; const rio = new Riomoney(process.env.RIO_KEY); const payout = await rio.payouts.create({ source: "balance_brl", amount: { value: "9250.00", currency: "BRL" }, destination: { pix_key: "ana@email.com.br", name: "Ana Ribeiro" }, routing: "best", }); // → { status: "processing", rail: "pix", eta: "~10s" } // Illustrative sample only
The Riomoney approach
Modern products deserve modern money infrastructure.
Many digital businesses still run on banking setups built decades ago: a separate bank in every country, payments that pause at weekends, and teams matching incoming transfers by hand.
Riomoney brings accounts, payments and FX into one platform behind one API. Your team builds the product. We handle the payment networks, the licensed partners and the compliance checks underneath.
Talk to us
Tell us where your money needs to go.
Share the markets and volumes you work with. A specialist will reply with what's available for your business and next steps.