How it works

Five objects. Funds move one way.

beneficiary ─┐
             ├─→ quote_lock ─→ transfer ─→ your funds ─→ INR payout + UTR
sender ──────┘

Objects#

Object	What it is
`beneficiary`	NRE account holder receiving INR
`sender`	The remitter. Required on every transfer
`quote` · `quote_lock`	Indicative rate · fixed rate
`transfer`	The remittance
`deposit`	Inbound funding leg
`payout`	Outbound INR leg. Carries the UTR
`event`	A change, delivered by webhook

Funding rails#

Rail	Options
`stablecoin`	`USDC` on ethereum, base, polygon, arbitrum, optimism, avalanche, solana · `USDT` on tron
`bank`	`ach`, `ach_same_day`, `rtp`, `wire` — USD from US accounts

Payout#

Bank accounts only: account number + IFSC. No UPI.
The Indian rail is selected for you.
Every settled payout returns a bank UTR and a payment advice.

Rates#

Field	Meaning
`rate.mid_market`	Reference rate
`rate.user`	Your rate, margin included. This is what converts

Timing#

Not instant

Plan for 1–2 hours within Indian banking hours. Weekends and Indian bank holidays push settlement — call preview for the date. Figures may change during preview.