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

# Payouts & B2B

export const FeatureCardContainer = ({children}) => <div className="not-prose feature-card-container">
    {children}
  </div>;

export const FeatureCardList = ({children}) => <div className="not-prose feature-cards-list">
    {children}
  </div>;

export const FeatureCardGrid = ({cols = 3, children}) => <div className={`not-prose feature-cards-grid feature-cards-cols-${cols}`}>
    {children}
  </div>;

export const FeatureCard = ({icon, title, children, href, linkHref, linkText, color, tag, tagPosition, layout, variant, iconSize}) => {
  const isHorizontal = layout === 'horizontal';
  const isFlat = variant === 'flat';
  const isLargeIcon = iconSize === 'lg';
  const isInlineTag = tagPosition === 'inline';
  const card = <div className={`feature-card ${href ? 'feature-card-link' : ''} ${!icon ? 'feature-card-no-icon' : ''} ${isHorizontal ? 'feature-card-horizontal' : ''} ${isFlat ? 'feature-card-flat' : ''} ${isLargeIcon ? 'feature-card-icon-lg' : ''}`}>
      {icon && <div className="feature-card-icon-wrapper">
          {color ? <div className="feature-card-icon" style={{
    WebkitMaskImage: `url(${icon})`,
    maskImage: `url(${icon})`,
    backgroundColor: color,
    width: '24px',
    height: '24px',
    WebkitMaskSize: 'contain',
    maskSize: 'contain',
    WebkitMaskRepeat: 'no-repeat',
    maskRepeat: 'no-repeat'
  }} /> : <img src={icon} alt="" className="feature-card-icon" />}
        </div>}
      <div className="feature-card-content">
        {isInlineTag ? <div className="feature-card-title-row">
            <span className="feature-card-title">{title}</span>
            {tag && <span className="feature-card-tag">{tag}</span>}
          </div> : <div className="feature-card-title">{title}</div>}
        <div className="feature-card-desc">{children}</div>
        {tag && !isInlineTag && <div className="feature-card-tag-row"><span className="feature-card-tag">{tag}</span></div>}
        {linkText && <div className="feature-card-link-row">
            {linkHref ? <a href={linkHref} className="feature-card-text-link" style={{
    color: color
  }}>
                {linkText}
              </a> : <span className="feature-card-text-link feature-card-coming-soon" style={{
    color: color,
    opacity: 0.6
  }}>
                {linkText}
              </span>}
          </div>}
      </div>
    </div>;
  return href ? <a href={href} className="feature-card-anchor">{card}</a> : card;
};

export const topLevelProductName = "Grid";

export const payToBankProductName = "Grid";

<img src="https://mintcdn.com/ramps/hc9AVHNgWd4BcukA/images/heroes/hero-payouts.jpg?fit=max&auto=format&n=hc9AVHNgWd4BcukA&q=85&s=fef4003fe491ebc5669df5a293a67a25" alt="Payouts & B2B hero" className="page-hero" width="1856" height="800" data-path="images/heroes/hero-payouts.jpg" />

With {payToBankProductName}, you can send and receive low cost real-time payments to bank accounts worldwide through a single, simple API. {topLevelProductName} automatically routes each payment across its network of {topLevelProductName} switches, handling FX, blockchain settlement, and instant banking off-ramps for you.

<FeatureCardGrid cols={3}>
  <FeatureCard icon="/images/icons/lightning.svg" title="Instant Conversion">
    Single API, global reach. {payToBankProductName} interacts with the Money Grid to route your payments globally.
  </FeatureCard>

  <FeatureCard icon="/images/icons/shield.svg" title="Simplified Infrastructure">
    No crypto handling. {payToBankProductName} converts between fiat and crypto instantly to simplify your implementation and minimize FX costs.
  </FeatureCard>

  <FeatureCard icon="/images/icons/globe.svg" title="Global Settlement">
    Real-time settlement. Leverages local instant banking rails and global low latency crypto rails to settle payments in real-time.
  </FeatureCard>
</FeatureCardGrid>

## Payment Flow

<Steps>
  <Step title="Fund Internal Account or prepare for Just-in-Time Funding">
    You can either prefund an internal account with fiat or receive just-in-time payment instructions as part of the quote.
  </Step>

  <Step title="Create Quote">
    Create a quote to lock exchange rate to the receiving foreign account and parse payment instructions.
  </Step>

  <Step title="Execute Quote">
    Execute the quote or send funds as per payment instructions to initiate the transfer from the internal account to the external bank account.
  </Step>
</Steps>

## {payToBankProductName} Features

Customers interact with {payToBankProductName} through two main interfaces.

<Tabs>
  <Tab title="API">
    Programmatic access to create customers, quotes, fund the account, send payments and reconcile via webhooks.
  </Tab>

  <Tab title="Dashboard">
    Your development and operations team can use the dashboard to monitor payments and webhooks, manage API keys and environments, and troubleshoot with logs.
  </Tab>
</Tabs>

Implementing cross-border payments with {payToBankProductName} is simple. Here's a quick overview of the main steps.

### Onboarding customers

<Info>
  {payToBankProductName} has two customer onboarding options - one for non regulated entities where {payToBankProductName} handles the KYC/KYB process and one for regulated entities where you handle the KYC/KYB process.

  When creating customers, you'll be able to also connect external accounts or internal accounts to a specific customer and also add accounts for counterparties on the receiving end.
  To learn more about accounts read our [internal accounts guide](/payouts-and-b2b/depositing-funds/internal-accounts) or setting up [external accounts guide](/payouts-and-b2b/depositing-funds/external-accounts)
</Info>

### Funding Payments

{payToBankProductName} supports multiple transaction funding options including prefunded accounts and real-time funding. You can prefund an account using several payment rails such as ACH, SEPA Instant, wire transfers, Lightning, and more.

With real-time funding, you'll receive payment instructions as part of the quote. Once payment is received by our services, we'll initiate the payment to the receiver.

### Sending Payments

To send with {payToBankProductName}, onboard an account for a customer and the counter party, then execute and fund a quote. {payToBankProductName} resolves the receiver by external bank details, returns min/max and an exchange rate, and provides funding instructions. Once funded, {payToBankProductName} handles FX and delivery to the receiving account.

### Environments

<Note>
  {payToBankProductName} supports two environments: Sandbox and Production. Sandbox mirrors production behavior and webhooks so you can test receiver resolution, quotes and funding instructions, settlement status changes, and full end‑to‑end flows without moving real funds. Production uses live credentials and base URLs for real payments once you’re ready to launch.
</Note>

***

### Country Availability

<FeatureCardContainer>
  <FeatureCardList>
    <FeatureCard icon="/images/icons/coins.svg" title="Cryptocurrency" tag="Available Globally" tagPosition="inline" layout="horizontal" variant="flat">
      Bitcoin (BTC) and Stablecoin transactions supported worldwide with no geographic restrictions.
    </FeatureCard>

    <FeatureCard icon="/images/icons/blocks.svg" title="Full Platform Access" tag="United States & Europe" tagPosition="inline" layout="horizontal" variant="flat">
      Onboard as a platform with complete access to APIs, hosted KYC/KYB, dashboard, and business integrations.
      Send payments to 62 countries on local banking rails, in addition to BTC and stablecoins.
    </FeatureCard>

    <FeatureCard icon="/images/icons/globe.svg" title="Local Payment Rails" tag="62 Countries" tagPosition="inline" layout="horizontal" variant="flat">
      Receive payments via local rails like SEPA, PIX, UPI, and more.
    </FeatureCard>
  </FeatureCardList>
</FeatureCardContainer>

| Country                   | ISO Code |                        Payment Rails |
| ------------------------- | -------- | -----------------------------------: |
| 🇦🇹 Austria              | AT       |                `SEPA` `SEPA Instant` |
| 🇧🇩 Bangladesh           | BD       |                      `Bank Transfer` |
| 🇧🇪 Belgium              | BE       |                `SEPA` `SEPA Instant` |
| 🇧🇯 Benin                | BJ       |                      `Bank Transfer` |
| 🇧🇷 Brazil               | BR       |                                `PIX` |
| 🇧🇬 Bulgaria             | BG       |                `SEPA` `SEPA Instant` |
| 🇨🇲 Cameroon             | CM       |                      `Bank Transfer` |
| 🇨🇳 China                | CN       |                      `Bank Transfer` |
| 🇨🇴 Colombia             | CO       |                      `Bank Transfer` |
| 🇭🇷 Croatia              | HR       |                `SEPA` `SEPA Instant` |
| 🇨🇾 Cyprus               | CY       |                `SEPA` `SEPA Instant` |
| 🇨🇿 Czech Republic       | CZ       |                `SEPA` `SEPA Instant` |
| 🇩🇰 Denmark              | DK       |                `SEPA` `SEPA Instant` |
| 🇪🇬 Egypt                | EG       |                      `Bank Transfer` |
| 🇪🇪 Estonia              | EE       |                `SEPA` `SEPA Instant` |
| 🇫🇮 Finland              | FI       |                `SEPA` `SEPA Instant` |
| 🇫🇷 France               | FR       |                `SEPA` `SEPA Instant` |
| 🇩🇪 Germany              | DE       |                `SEPA` `SEPA Instant` |
| 🇬🇭 Ghana                | GH       |                      `Bank Transfer` |
| 🇬🇷 Greece               | GR       |                `SEPA` `SEPA Instant` |
| 🇭🇹 Haiti                | HT       |                      `Bank Transfer` |
| 🇭🇺 Hungary              | HU       |                `SEPA` `SEPA Instant` |
| 🇮🇸 Iceland              | IS       |                `SEPA` `SEPA Instant` |
| 🇮🇳 India                | IN       |                                `UPI` |
| 🇮🇩 Indonesia            | ID       |                      `Bank Transfer` |
| 🇮🇪 Ireland              | IE       |                `SEPA` `SEPA Instant` |
| 🇮🇹 Italy                | IT       |                `SEPA` `SEPA Instant` |
| 🇨🇮 Ivory Coast          | CI       |                      `Bank Transfer` |
| 🇰🇪 Kenya                | KE       |                      `Bank Transfer` |
| 🇱🇻 Latvia               | LV       |                `SEPA` `SEPA Instant` |
| 🇱🇮 Liechtenstein        | LI       |                `SEPA` `SEPA Instant` |
| 🇱🇹 Lithuania            | LT       |                `SEPA` `SEPA Instant` |
| 🇱🇺 Luxembourg           | LU       |                `SEPA` `SEPA Instant` |
| 🇲🇼 Malawi               | MW       |                      `Bank Transfer` |
| 🇲🇾 Malaysia             | MY       |                      `Bank Transfer` |
| 🇲🇹 Malta                | MT       |                `SEPA` `SEPA Instant` |
| 🇲🇽 Mexico               | MX       |                               `SPEI` |
| 🇳🇱 Netherlands          | NL       |                `SEPA` `SEPA Instant` |
| 🇳🇬 Nigeria              | NG       |                      `Bank Transfer` |
| 🇳🇴 Norway               | NO       |                `SEPA` `SEPA Instant` |
| 🇵🇰 Pakistan             | PK       |                      `Bank Transfer` |
| 🇵🇭 Philippines          | PH       |                      `Bank Transfer` |
| 🇵🇱 Poland               | PL       |                `SEPA` `SEPA Instant` |
| 🇵🇹 Portugal             | PT       |                `SEPA` `SEPA Instant` |
| 🇷🇴 Romania              | RO       |                `SEPA` `SEPA Instant` |
| 🇷🇼 Rwanda               | RW       |                      `Bank Transfer` |
| 🇸🇳 Senegal              | SN       |                      `Bank Transfer` |
| 🇸🇬 Singapore            | SG       |      `PayNow` `FAST` `Bank Transfer` |
| 🇸🇰 Slovakia             | SK       |                `SEPA` `SEPA Instant` |
| 🇸🇮 Slovenia             | SI       |                `SEPA` `SEPA Instant` |
| 🇿🇦 South Africa         | ZA       |                      `Bank Transfer` |
| 🇪🇸 Spain                | ES       |               `SEPA`  `SEPA Instant` |
| 🇸🇪 Sweden               | SE       |                `SEPA` `SEPA Instant` |
| 🇨🇭 Switzerland          | CH       |                `SEPA` `SEPA Instant` |
| 🇹🇿 Tanzania             | TZ       |                      `Bank Transfer` |
| 🇹🇭 Thailand             | TH       |                      `Bank Transfer` |
| 🇺🇬 Uganda               | UG       |                      `Bank Transfer` |
| 🇦🇪 United Arab Emirates | AE       |                      `Bank Transfer` |
| 🇬🇧 United Kingdom       | GB       |    `Faster Payments` `Bank Transfer` |
| 🇺🇸 United States        | US       | `ACH` `Wire Transfer` `RTP` `FedNow` |
| 🇻🇳 Vietnam              | VN       |                      `Bank Transfer` |
| 🇿🇲 Zambia               | ZM       |                      `Bank Transfer` |

Regional Summary

<FeatureCardGrid cols={4}>
  <FeatureCard icon="/images/icons/globe.svg" title="Europe" tag="32 countries">
    Primary: SEPA/SEPA Instant
  </FeatureCard>

  <FeatureCard icon="/images/icons/globe.svg" title="Middle East and Africa" tag="15 countries">
    Primary: Bank Transfer
  </FeatureCard>

  <FeatureCard icon="/images/icons/globe.svg" title="Asia-Pacific" tag="10 countries">
    Various instant payment systems
  </FeatureCard>

  <FeatureCard icon="/images/icons/globe.svg" title="Americas" tag="5 countries">
    PIX, SPEI, ACH, FedNow
  </FeatureCard>
</FeatureCardGrid>

## Coming Soon

Grid is rapidly expanding. These corridors are next on our roadmap — get in touch to be first in line when they go live.

| Country          | ISO Code |
| ---------------- | -------- |
| 🇨🇦 Canada      | CA       |
| 🇭🇰 Hong Kong   | HK       |
| 🇰🇷 South Korea | KR       |