FULLY CONNECTED
Spend and send freely. Nothing hidden, nothing held up.
Hyrail is payment infrastructure that gives banks a new way to move money for their customers: no hidden margins, no unexplained declines, and settlement in seconds instead of days.
- Fiat rail
- USD · US dollar
- Digital rail
- BTC · bitcoin
One routing layer
- Multi-currency accounts
- Visa & Mastercard
- Wallets
- Stablecoin settlement
The flagship product
A USD card that works where cards usually don't.
In currency-restricted markets, a bank card is often the weakest link: opaque rates, surprise declines abroad, and transfers that take days. Hyrail gives banks a white-label USD card and account their customers can actually spend with, at home, abroad and online.
One disclosed rate
Mid-market plus a fixed margin, shown before the customer spends.
Accepted, not declined
Issued on global networks, so restricted-market cards stop getting flagged.
Funded in seconds
Local currency in, dollars on the card, settled over whichever rail is faster.
Bank branded
Issued under your brand, inside the relationship your customer already has.
4821 0094 7732 5108
Global payment rails are mid-transition. Hyrail is built for what's next.
Correspondent banks are pulling back from currency-restricted markets, widening the gap every year. At the same time, stablecoin rails have matured enough to carry real, everyday payments, not just speculation. Hyrail sits at that intersection.
- Exchange rate
- Mid-market, as standard
- Margin
- Fixed & disclosed
- Settlement
- Seconds, not days
- Rails
- Fiat + digital, side by side
One piece of infrastructure. Three things it does well.
Everything a bank needs to give its customers fair dollar access, without building FX and settlement infrastructure of its own.
Spend: the USD card
A dollar card for restricted markets, priced at the mid-market rate plus one fixed, disclosed margin, the same number every time.
Send
Cross-border transfers settled over stablecoin rails in seconds, as an everyday alternative to the correspondent banking chain.
Control
Identity checks, spending limits and real-time authorisation run through a single layer, kept in sync across both rails.
Two rails, one decision. Made for every transaction.
Most providers pick a lane, cards or crypto, and ask customers to live with the trade-offs. Hyrail runs traditional and stablecoin rails side by side, and lets the transaction decide.
Traditional rails, kept
Card networks and bank transfer where they're the right fit: familiar, widely accepted, fully compliant.
Stablecoin settlement, added
An always-on alternative for speed, especially where correspondent banking adds days and cost.
One routing engine
Every payment is assessed and routed automatically, with no manual choice and no extra step for the customer.
Whichever settles faster and cheaper for that transaction, wins.
Worked example
A Libyan importer pays a supplier in Dubai
USD 10,000 equivalent
Collect · Tripoli
Minutes
Traditional rail
Libyan dinar leaves the importer's bank account by ordinary local transfer.
Familiar and compliant. The importer changes nothing.
Settle · Cross-border
Seconds
Stablecoin rail
Value crosses the border as USD stablecoin, treasury to treasury.
No correspondent bank in the chain, so no days-long hop.
Pay out · Dubai
Minutes
Traditional rail
Dirhams arrive in the supplier's bank account by local transfer.
The supplier receives ordinary bank money.
The same payment, three ways
Time to arrive
- Correspondent banking only
- 3 to 5 days
- Stablecoin only
- Minutes, wallet to wallet
- Hyrail, both rails in one payment
- Minutes, bank to bank
What it costs
- Correspondent banking only
- Correspondent fees plus an undisclosed FX margin
- Stablecoin only
- Network fees plus on- and off-ramp spreads at both ends
- Hyrail, both rails in one payment
- One disclosed margin
Arrives as bank money
- Correspondent banking only
- Yes
- Stablecoin only
- No
- Hyrail, both rails in one payment
- Yes
Illustrative figures.
The alternative, today, looks like this.
Hidden margins
Rates that move against you
The exchange rate applied at checkout is rarely shown, and rarely the best one available.
Unexplained declines
Cards that don't work as expected
Restricted-currency cards get flagged by systems that weren't built with them in mind.
Slow transfers
Days, not seconds
Money sent abroad passes through multiple correspondent banks, each taking a cut along the way.
Built for two audiences, on one piece of infrastructure.
Banks & financial institutions
Offer dollar access, without owning the risk
White-label USD accounts and cards, delivered through the customer relationship you already have, without building FX and settlement infrastructure from scratch.
Partner with HyrailPeople & businesses
Spend and send on fair terms
A card and account that work the way they should: one disclosed rate, no hidden margin, and money that arrives when it's supposed to.
Get early access
Hyrail