Now onboarding early partners

Payment rails, without the plumbing

One integration for Faster Payments, SEPA, SWIFT, cards and stablecoin settlement. Coinsflip handles routing, FX, the ledger and reconciliation, so your team ships the product instead of the payment stack.

Start integrating Read the API docs

UK & EU FOCUS · API-FIRST · EARLY ACCESS

Coverage

Every rail worth being on, behind one request shape

Adding a market should be a configuration change, not a quarter of engineering. The payload you send to move pounds is the payload you send to move anything else.

Faster Payments

United Kingdom

Sub-ten-second GBP in and out, around the clock, with virtual account numbers and confirmation of payee built in.

GBP
24/7
CoP

SEPA & SEPA Instant

Eurozone

Euro collections and payouts across 36 countries, with instant settlement wherever the receiving bank supports it.

EUR
36 countries

SWIFT gpi

Global

Correspondent banking when you need reach rather than speed — with end-to-end tracking and fee transparency.

40+ CCY
Tracked

Card acquiring

Global

Pull funds from Visa and Mastercard with 3DS2, network tokens and issuer-level retry logic on failed authorisations.

3DS2
Tokenised

Stablecoin settlement

On-chain

Move value in USDC and EURC across major chains, then land it in a bank account without leaving the platform.

USDC
EURC

Local rails

APAC & LATAM

PIX, UPI, PayNow and more, exposed through exactly the same request shape as every other rail we support.

PIX
UPI
PayNow

Platform

The unglamorous parts, done properly

Moving money is the easy half. What breaks teams is everything that surrounds it — so that is what we built.

Smart routing

Every payment is priced across each eligible rail at request time and routed on cost, speed or success rate — your policy, not ours.

Double-entry ledger

An immutable ledger sits under every movement, so balances, holds and settlements always reconcile to the penny.

Multi-currency accounts

Hold balances in 23 currencies, convert at interbank plus a fixed margin, and settle from whichever pocket makes sense.

Failure handling

Returns, recalls, chargebacks and reversals are normalised into one event model, so your code handles them once.

Real-time reconciliation

Statements stream in continuously and match against your ledger automatically. Breaks surface in minutes, not month-end.

Observability

Trace any payment from API call to bank confirmation, with structured logs and replayable webhooks for every state change.

Developers

A payout in one call

Name the destination, name the amount. Coinsflip picks the rail, handles the conversion and tells you what it did — then streams every subsequent state change to your webhook.

Idempotent by default: Retry any request safely with a client-supplied key.
Typed SDKs: TypeScript, Python, Go and Ruby, generated from OpenAPI.
Replayable webhooks: Signed, ordered and replayable for 30 days.

POST /v1/payouts200 OK

await coinsflip.payouts.create({
  amount: { value: 2_400_00, currency: "GBP" },
  destination: {
    type: "bank_account",
    sort_code: "04-00-04",
    account_number: "00932847",
  },
  route: "cheapest",
});

// → rail: faster_payments
// → settled in 4.1s, fee 12p

Trust

How we think about trust

Funds segregation

Customer money is designed to sit in segregated safeguarding accounts, kept apart from operating capital at all times.

Screening in the flow

Sanctions, PEP and adverse media screening run inline on every counterparty before a payment is released.

Security programme

We are building to SOC 2 and ISO 27001 controls, with regular penetration testing. Neither certification has been awarded yet.

Data protection

UK and EU data residency options, GDPR tooling, and encryption at rest and in transit as standard.

Coinsflip does not yet hold SOC 2, ISO 27001 or any payment services authorisation. This section describes the controls we are building towards; it will be updated with certification and regulatory detail as each is granted.

Move money like it is 2026

Tell us the flows you need and we will map them to rails, pricing and a go-live date — usually within two working days.

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