Plug in. Pay out.
Stablecoin payout infrastructure for banks and fintechs. Quote, lock the price, and deliver local currency in more than 40 countries through one API.
Built for banks.
- banks
- fintechs
- SOFOMs
- remittance companies
- payment service providers
- neobanks
- exchange houses
- 20 currencies delivered
- 40+ destination countries
- 1 integration, every corridor
Three calls. One settled payout.
Your system talks to one API. Rook prices the route, locks it, and moves the money across stablecoin rails to a local account on the other side.
Quote
Send the amount, the source and the destination currency. Rook compares every route it has for that pair and returns the one that delivers the most to the beneficiary, with its validity window.
POST /v1/rates/quote
{
"sourceCurrency": "MXN",
"destinationCurrency": "USD",
"amount": 100000
}
200
{
"quoteId": "q_8f2k7m",
"rate": 0.05442,
"destinationAmount": 5441.83,
"legs": 2
}Confirm and fund
Accept the quote and the price is locked. Fund the order by SPEI, ACH or USDT inside the funding window. The beneficiary and the travel-rule data travel with the order.
POST /v1/orders
{
"quoteId": "q_8f2k7m",
"beneficiaryId": "ben_41a9c2",
"idempotencyKey": "bank-20261023-17"
}
201
{
"orderId": "ord_7m2x9q",
"status": "LOCKED",
"funding": {
"rail": "SPEI",
"clabe": "646180…"
}
}Settled
Rook executes the legs, delivers local currency through the destination rail and records every state change. You read the order timeline from the API at any point.
- QUOTED Route priced, validity window open 10:42:03
- LOCKED Price fixed, funding window open 10:42:19
- FUNDED Funds received 10:47:52
- SENT Payout released on the destination rail 10:48:10
- COMPLETED Beneficiary credited 10:51:36
Every state change is an immutable event with its timestamp and provider reference.
Payouts moved on. Banks didn’t.
Cross-border payments are still slow, costly and opaque. Stablecoins fix that with near-instant settlement, lower costs and 24/7 availability. But getting there means crypto engineers, wallets, liquidity, providers and new compliance questions. For most banks the project never starts.
Rook is the orchestration layer between your bank and stablecoin rails. One integration on top. The complexity stays underneath.
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Straight lines
Direct routes. No detours, no hidden hops.
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Long reach
Cross the whole board, every corridor.
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Castling
The bank and its customers stay protected.
Where the money lands.
Every destination below is configured in Rook today through a licensed payout provider, with the local rail it settles on. Coverage grows by adding a provider, never by changing your integration.
| Country | Currency | Rails |
|---|---|---|
| USUnited States | USD | ACH · Fedwire · RTP · Wire |
| MXMexico | MXN | SPEI |
| COColombia | COP | ACH · Bre-B |
| BRBrazil | BRL | PIX |
| ARArgentina | ARS | CVU |
| PEPeru | PEN | Local transfer |
| ECEcuador | USD | Local transfer |
| VEVenezuela | VES | Local transfer |
| Country | Currency | Rails |
|---|---|---|
| EUEurozone (20 countries) | EUR | SEPA |
| CNChina | CNY | CNAPS · SWIFT |
| HKHong Kong | HKD · USD · CNY | FPS · CHATS |
| Country | Currency | Rails |
|---|---|---|
| NGNigeria | NGN | Local transfer |
| KEKenya | KES | Local transfer |
| ZASouth Africa | ZAR | Local transfer |
| UGUganda | UGX | Local transfer |
| RWRwanda | RWF | Local transfer |
| ZMZambia | ZMW | Local transfer |
| MWMalawi | MWK | Local transfer |
| BWBotswana | BWP | Local transfer |
| CMCameroon | XAF | Local transfer |
| CICôte d’Ivoire | XOF | Local transfer |
| TGTogo | XOF | Local transfer |
Funding in MXN by SPEI, USD by ACH, or USDT.
USDT on Ethereum, Polygon, Solana and Tron.
Coverage as of October 2026. Each corridor is activated per client with its provider.
Quote. Confirm. Pay.
The rate you confirm is the rate the beneficiary gets. Rook holds the quote, locks it once you accept, and prices both legs as one number.
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One rate, not two spreads
When a route needs two legs, you still see one rate and one amount delivered. The bridge is Rook’s problem.
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Best route by what arrives
Rook ranks every available route by the amount the beneficiary receives after markups, not by the mid rate.
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Providers change, your integration doesn’t
A new provider or a new rail is a configuration on Rook’s side. The same request keeps working.
The bank keeps its position.
The rook is the only piece that castles with the king, the move that protects him. Rook is built the same way: your compliance, your customers and your controls stay where they are while the money moves.
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Your compliance stays yours
KYC, AML and your internal policies apply exactly as they do today. Rook adds controls on top and never replaces yours.
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No custody
Rook never holds your funds or your customers’ funds. Every payout settles with a licensed partner.
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Every payout traceable
Each order keeps a complete record from quote to delivery, ready for your auditors and regulators.
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Bank-grade security
Every connection is encrypted and every integration is verified before it can move money.
One price, inside the rate.
Rook earns a spread on each payout. There is no platform fee, no setup fee and no minimum volume to start.
Ask for a rate card| Price | Agreed per client, inside the quoted rate. The amount delivered is the amount you confirmed |
|---|---|
| Setup fee | None |
| Platform fee | None |
| Minimum volume | None to start. Volume tiers are agreed per client |
| Integration | One REST API, sandbox included, documentation at docs.rooklabs.co |
Questions a risk committee asks.
What does the bank need to build?
One integration. Rook exposes a single REST API for quotes, orders and beneficiaries. There is no wallet infrastructure, no exchange accounts and no blockchain code on your side.
Does the bank hold or touch crypto?
No. Your bank sends and receives fiat. Rook handles the stablecoin leg underneath: on-ramp, transfer, off-ramp and the liquidity in between, each with a licensed provider.
Which stablecoin and which networks?
USDT today, on Ethereum, Polygon, Solana and Tron. Your integration never names a network; Rook picks the one the route needs.
How long is a price valid?
A quote is valid for a short window. Once you confirm it, the price is locked while you fund the order. If funding arrives late, the order expires and nothing moves.
Who owns compliance?
The bank. Your KYC, AML and internal policies apply exactly as today. Rook adds KYB on each organisation, travel-rule data on each payout and a full audit timeline for auditors and regulators.
Which currencies and corridors are supported?
About 20 currencies in more than 40 countries across the Americas, Europe, Asia and Africa; see the coverage list. Corridors are activated per client, starting with the ones your customers use.
How is this different from SWIFT or correspondent banking?
A straight line instead of a chain of hops. One confirmed rate, one API, and every state of the payout visible from your side instead of correspondents you cannot see.
One integration. Rook exposes a single REST API for quotes, orders and beneficiaries. There is no wallet infrastructure, no exchange accounts and no blockchain code on your side.