Cross-border payments,
finally in real time.
Loam moves money between buyers, sellers, and bank accounts across 34 countries — instantly, in stablecoins, at a fraction of traditional cost. Idle working capital earns yield while you wait for the next deal.
Suppliers. Marketplaces. Importers. Payroll. Treasury.
Loam has settled cross-border B2B payments across 34 countries — supplier invoices, marketplace payouts, and trade finance cleared in seconds, not days. Targeting $40M in transaction volume this year.
Illustrative map of Loam's settlement corridors. Supplier invoice from Lagos to Rotterdam, USD 184,200; software services from Bogotá to Chicago, USD 12,640; import payment from Lusaka to London, USD 165,000; trade finance from Rome to London, USD 5,019; supplier payment from Abidjan to Hamburg, USD 92,450; manufacturing from São Paulo to Shanghai, USD 240,800; logistics from Mombasa to Mumbai, USD 31,200; export payment from Buenos Aires to Rotterdam, USD 410,500, each settled in seconds.
Bank in, USDC across, bank out — no counterparty risk, no weekend hold.
Fund the account
SWIFT or ACH in from any of your existing bank accounts. Converted on arrival.
Pay your counterparty
Send USDC to any verified Loam ID. Settles on-chain in under 5 seconds.
They receive local currency
Their end converts back to USD, EUR, COP, GHS — wherever they bank.
Earn while you wait
Balances sitting between deals go into tokenized T-bills and MMFs earning yield.
What you stop doing.
| Metric | SWIFT / Bank wire | Loam |
|---|---|---|
| Settlement time | 3–7 business days | ~5 seconds |
| Total trade-cost overhead | ~12.6% (cross-border B2B) | Up to 12.6% reclaimed |
| Fee per transfer | Variable + FX spread | Under 0.5%, capped |
| Working capital locked up | 3–7 days per deal | Never — moves the same day |
| Idle-balance yield | 0% | Tokenized T-bills & MMFs |
| Counterparty KYB | Your responsibility | Verified on platform |
| Operating hours | 9–6 weekdays only | 24/7, weekends included |
Your working capital shouldn't sit still.
Between deals, balances sit in tokenized money market funds, U.S. T-bills, and short-term credit — fully redeemable, daily yield. It is what a bank should do, and doesn't.
See live yieldsA CFO wouldn't use this if it weren't boring.
KYB on every counterparty
Every entity on Loam clears Chainalysis-grade verification and ongoing sanctions screening before it can send or receive a cent. No anonymous wallets, no surprise counterparties — just businesses you can name.
Segregated custody
Fiat sits in tier-1 partner banks; stablecoins in regulated custody or a self-custody wallet you control. Balances are never commingled and never lent out — each one stays segregated and fully reconcilable.
Full audit trail
Every action, settlement, and invoice is linked, timestamped, and immutable. Export the complete ledger to CSV or your ERP anytime — every figure traceable to the event that produced it.
What finance teams ask before they ship.
Still need more? Loam walks through your specific flow on a 30-minute call.
Still have questions? Book a 30-min walkthrough
Start settling in minutes.
KYB verification in under a day. No setup fees. No minimums. No lock-ups.