Get paid in dollars.Settle in minutes.
Fluvia is the on/off-ramp that turns your invoices into dollars in minutes. No SWIFT, no correspondent bank, no 5-day “hold.” ⚡
No card required · Settle in ~90s · Fees from 0.5%
Trusted by 48,000+ freelancers & teams across LATAM
The platform
Your money shouldn’t wait for bank hours 🌊
The dollar already moves at the speed of a block. Fluvia is the last mile.
On/off-ramp, fiat ⇄ stablecoin
Link a local account, deposit in MX/AR/CO, and move between fiat and USDC/USDT without the correspondent-bank tax.
Multi-chain by default
Ethereum, Tron, Solana and the L2s you actually use.
Instant settle
Deposits confirm in ~90 seconds. Your client's money stops sleeping in a SWIFT queue.
Self-custody option
Prefer your own keys? Take the non-custodial route. Your keys, your coins.
Treasury, MPC + multisig
Operating float stays in hot wallets, everything else sweeps to cold. 2-of-3 on the big moves.
hot_ops → 0x5B8e…d6B4 (float)
cold_vault → 0x9D1e…B6d0 (sweep target)
API for devs
One key, every rail. Rates, balances, deposit addresses, payouts.
curl -X POST https://api.fluvia.finance/v1/withdraw \
-H "Authorization: Bearer fl_live_..." \
-d '{ "amount": 250, "asset": "USDC" }'Flat, published rates
0.5% on-ramp · 0.1% conversions. No hidden spread, no “market-rate magic”.
No KYC on crypto rails
Light onboarding, full verification only above thresholds. USDC · USDT · XMR in, dollars out.
How it works
From invoice to dollars in four steps
On-ramp
Link an account or send crypto to your dedicated deposit address — per asset, per chain.
Hold & convert
Real-time balances priced by live feeds. Convert between USD-pegged stablecoins at a flat rate.
Payout
Withdraw to a local bank or any wallet. Sweep jobs keep operating funds hot and the treasury cold.
Self-custody
Don't want us holding anything? Take the keys. Never a cent held that we don't have to.
stablecoin payments in 2025
of LATAM B2B cross-border already on stablecoin rails
Solana finality — vs. 1–5 days over SWIFT
B2B stablecoin settlement, +733% YoY
Stablecoin payments crossed $390B in 2025 — the rails are ready. The on-ramp is the last mile.
Pricing
Pricing that scales with your invoices
Every tier: flat published rates, no hidden spread. Cancel anytime.
Starter
For the first invoice.
- USDC/USDT on-chain
- Off-ramp to local bank (MX/AR/CO)
- Email support
Pro
For freelancers who live off invoices.
- Priority settlement (~90s)
- Multi-chain deposit addresses
- Self-custody option
- 0.75% + $0.25 payouts
Business
For teams & exporters.
- Volume pricing
- Full API access
- Dedicated treasury (MPC + multisig)
- Travel-rule reporting
Wall of love
Freelancers don’t wait for wires
“My client in Austin pays USDC on Friday afternoon and I have pesos in my MX account before I finish dinner. It used to be Wednesday.”
“We pay 14 contractors across 6 countries every month. Fluvia took the whole payroll operation from two days of bank work to one export.”
“I keep a bit of XMR on the side and the fact they don't ask questions on the crypto rails — that's why I switched from the big exchanges.”
FAQ
Questions, answered
Nope. We're a payments rail — your money settles on-chain, not in a vault that closes at 4pm. 🏦🚫
Deposits confirm in ~90s on the chains we support. Off-ramp to a local bank is same-day in most LATAM corridors.
Flat and published — no "market spread" magic. On-ramp is 0.5%, conversions 0.1%, payouts from 0.75% + $0.25. What you see is what you pay. 💸
Only if you want us to. Prefer your own keys? Take the non-custodial route — your keys, your coins.
Ethereum, Tron, Solana, and the L2s you actually use. We meet you where your client already pays.
Treasury sits in MPC + multisig cold storage. Hot wallets only ever hold operating float. 🔐
An email and an invoice. KYC is light for small amounts, full verification above thresholds. That's it.
Settle the way money should move.
Join 48,000+ freelancers who stopped watching the clock on cross-border payments.