Payments and supported countries
How money comes in, how it goes out, and which pay-out routes are available today, by country, rail and network.
This page explains how money comes into and goes out of a Gravv account, and which pay-out routes are open today, by country, rail and network.
Every customer must have an account before they can use Gravv features. Creating an account gives the customer a wallet address and a virtual account, which they use to send and receive money. Gravv stores funds in stablecoins, however money enters or leaves the account.
Pay-in methods
Customers can receive money into their accounts in these ways:
-
Through their blockchain wallet address.
When you create an account, Gravv generates a blockchain wallet address for it. Customers can receive stablecoins to this address from external wallets or exchanges. Gravv supports USDC and USDT, depending on the blockchain network that backs the account.
Each account can receive stablecoins only on its own blockchain network, and that network sets which stablecoins the account accepts. For example, an account on Polygon can receive USDC or USDT sent on the Polygon network. An account on Stellar can receive only USDC sent on the Stellar network.
This table shows which stablecoins each blockchain network accepts:
| Blockchain network | Supported stablecoins |
|---|---|
| Polygon | USDC, USDT |
| Ethereum | USDC, USDT |
| Avalanche | USDC, USDT |
| Stellar | USDC |
| Solana | USDC |
Gravv supports accounts and wallets on these five networks only. Stellar accounts need the bank lead_bank.
-
Through their virtual account for wire transfers.
Gravv also provides virtual account details that customers can use to receive funds by ACH or wire transfer. When a customer receives funds through their virtual account, Gravv converts the incoming fiat currency to stablecoins and credits the account balance.
-
Card to wallet funding.
Customers can add funds to their wallets with credit or debit cards. Gravv processes the card payment and deposits the equivalent stablecoin value into the customer's account.
-
Local collection.
Customers can receive funds by local payment methods through Gravv's collections. This pay-in method supports cards and bank transfers. Gravv does not support mobile money collections. When a customer starts a payment, the API returns payment instructions in their local currency.
Pay-out methods
Customers can send money from their accounts in these ways (see Transfers):
- To another account at Gravv (an internal transfer)
- To a US bank account by ACH, wire or RTP
- To a bank abroad by SWIFT (USD), SEPA (EUR) or Faster Payments (GBP)
- To a local bank account or mobile wallet, paid in local currency
- To a crypto wallet, on the same network or (USDC only) on another network
Pay-out coverage
Every route carries one label:
- Available. The route works in code and configuration today.
- Not yet available. The route is set up but switched off, or not yet confirmed for live. Ask support to confirm it or switch it on for your business before you build on it.
- Not supported. There is no way to complete the route today, even where the API accepts the request.
The discovery endpoints (GET /v1/transfer/supported-countries, GET /v1/transfer/supported-currencies, GET /v1/transfer/rates and the institutions list) show what the API knows, not what is open. Gravv decides whether a route is open when you send the transfer. A closed route returns an error such as transfers to MX/MXN are not available at this time, and Gravv debits nothing.
US and bank rails
| Route | From a bank-held USD account | From a wallet-backed account |
|---|---|---|
| ACH to a US bank account (USD) | Available | Available |
| Wire to a US bank account (USD) | Available | Available |
| RTP to a US bank account (USD) | Available, when the receiving bank takes instant payments | Not supported |
| SWIFT to Nigeria (USD) | Available | Not yet available |
| SWIFT to any other country (USD) | Not yet available | Not yet available |
| SWIFT in any other currency | Not supported | Not supported |
| SEPA (EUR) to AD AT BE CY CZ DE DK EE ES FI FR GR HR HU IE IS IT LI LT LU LV MC MT NL NO PL PT RO SE SI SK SM VA | Not supported | Available where your business is enabled |
| Faster Payments (GBP) to GB | Not supported | Available where your business is enabled |
| CHAPS, FedNow, BACS | Not supported | Not supported |
| Between two accounts at Gravv | Available, to an account at the same bank only | Available |
| To a card, a crypto wallet or an account at another bank | Not supported | Available |
Local bank accounts and mobile wallets
| Country | Currency | Method | Status |
|---|---|---|---|
| Rwanda (RW) | RWF | Mobile wallet, operator row MTN MoMo Rwanda |
Available |
| Zambia (ZM) | ZMW | Mobile wallet, operator row MTN MoMo Zambia |
Available |
| Uganda (UG) | UGX | Mobile wallet, operator row MTN MoMo Uganda |
Available |
| Republic of the Congo (CG) | XAF | Mobile wallet, operator row MTN MoMo Congo |
Available |
| Côte d'Ivoire (CI) | XOF | Mobile wallet, operator row MTN MoMo Cote d'Ivoire |
Available |
| Benin (BJ) | XOF | Mobile wallet, operator row MTN MoMo Benin |
Available |
| Nigeria (NG) | NGN | Bank account, and NGN account to NGN bank account | Not yet available |
| Ghana (GH) | GHS | Mobile wallet and bank account | Not yet available |
| Kenya (KE) | KES | Mobile wallet and bank account | Not yet available |
| Tanzania (TZ) | TZS | Mobile wallet | Not yet available |
| Côte d'Ivoire, Senegal, Burkina Faso, Mali, Togo | XOF | Other wallet operators in the institutions list | Not yet available |
| Rwanda, Zambia, Uganda | Local | Other wallet operators in the institutions list | Not yet available |
| WAEMU (SN, CI, BJ, BF, GW, ML, NE, TG) | XOF | Bank account (24-character RIB) | Not yet available |
| CEMAC (CM, CF, CG, GA, GQ, TD) | XAF | Bank account (23 digits) | Not yet available |
| Morocco (MA) | MAD | Bank account (24-character RIB) | Not yet available |
| Mexico (MX) | MXN | Bank account (CLABE) | Not yet available |
| Brazil (BR) | BRL | PIX | Not yet available |
| Colombia (CO) | COP | Bank account | Not yet available |
| India (IN) | INR | Bank account (IFSC) | Not yet available |
| Hong Kong (HK) | HKD | Bank account. Hong Kong is also missing from GET /v1/transfer/supported-countries |
Not yet available |
| Other currencies the rates endpoints list, including AUD, BGN, CHF, CLP, CZK, DKK, EGP, HUF, HTG, MYR, NAD, NOK, NZD, PKR, PLN, RON, RSD, SAR, SEK and VND | Local | Bank account | Not yet available |
Crypto
| Route | Status |
|---|---|
| USDC or USDT to an address on the same network, including Stellar addresses that need a memo | Available |
| USDC to a wallet on another network (from polygon, ethereum, solana or stellar; to those or avalanche) | Not yet available |
| USDT to USDC, or back, between two wallets of the same customer | Available. No conversion has completed in live yet, so always preview the price first |
| USDT to another network | Not supported |
| Sending from an avalanche or sui wallet or account | Not supported |
| Anything on tron | Not supported |
| Convert and send to someone else in one call | Not supported. Convert first, then send |
Countries the API knows
GET /v1/transfer/supported-countries lists these 91 countries for payees and addresses. A country in the list is not an open route. The last column says what you can pay there today. Hong Kong, South Korea, Saudi Arabia, Singapore and Thailand are not in the list.
| ISO code | Country | Currency | Pay-out today |
|---|---|---|---|
| AD | Andorra | EUR | Available: SEPA (EUR). Not yet available: SWIFT (USD) |
| AU | Australia | AUD | Not yet available |
| AT | Austria | EUR | Available: SEPA (EUR). Not yet available: SWIFT (USD) |
| BD | Bangladesh | BDT | Not yet available |
| BE | Belgium | EUR | Available: SEPA (EUR). Not yet available: SWIFT (USD) |
| BJ | Benin | XOF | Available: mobile wallets on the MTN MoMo operator row. Not yet available: other wallet operators, bank accounts, SWIFT (USD) |
| BW | Botswana | BWP | Not yet available |
| BR | Brazil | BRL | Not yet available |
| BF | Burkina Faso | XOF | Not yet available |
| BI | Burundi | BIF | Not yet available |
| CM | Cameroon | XAF | Not yet available |
| CA | Canada | CAD | Not yet available |
| TD | Chad | XAF | Not yet available |
| CN | China | CNY | Not yet available |
| CO | Colombia | COP | Not yet available |
| HR | Croatia | EUR | Available: SEPA (EUR). Not yet available: SWIFT (USD) |
| CY | Cyprus | EUR | Available: SEPA (EUR). Not yet available: SWIFT (USD) |
| CZ | Czech Republic | CZK | Available: SEPA (EUR). Not yet available: SWIFT (USD), payouts in CZK |
| CI | Côte d'Ivoire | XOF | Available: mobile wallets on the MTN MoMo operator row. Not yet available: other wallet operators, bank accounts, SWIFT (USD) |
| CD | Democratic Republic of the Congo | CDF | Not yet available |
| DK | Denmark | DKK | Available: SEPA (EUR). Not yet available: SWIFT (USD), payouts in DKK |
| DO | Dominican Republic | DOP | Not yet available |
| EG | Egypt | EGP | Not yet available |
| EE | Estonia | EUR | Available: SEPA (EUR). Not yet available: SWIFT (USD) |
| ET | Ethiopia | ETB | Not yet available |
| FI | Finland | EUR | Available: SEPA (EUR). Not yet available: SWIFT (USD) |
| FR | France | EUR | Available: SEPA (EUR). Not yet available: SWIFT (USD) |
| GA | Gabon | XAF | Not yet available |
| GM | Gambia | GMD | Not yet available |
| DE | Germany | EUR | Available: SEPA (EUR). Not yet available: SWIFT (USD) |
| GH | Ghana | GHS | Not yet available |
| GR | Greece | EUR | Available: SEPA (EUR). Not yet available: SWIFT (USD) |
| GT | Guatemala | GTQ | Not yet available |
| GN | Guinea | GNF | Not yet available |
| GW | Guinea-Bissau | XOF | Not yet available |
| HU | Hungary | HUF | Available: SEPA (EUR). Not yet available: SWIFT (USD), payouts in HUF |
| IS | Iceland | ISK | Available: SEPA (EUR). Not yet available: SWIFT (USD), payouts in ISK |
| IN | India | INR | Not yet available |
| IE | Ireland | EUR | Available: SEPA (EUR). Not yet available: SWIFT (USD) |
| IL | Israel | ILS | Not yet available |
| IT | Italy | EUR | Available: SEPA (EUR). Not yet available: SWIFT (USD) |
| JP | Japan | JPY | Not yet available |
| JO | Jordan | JOD | Not yet available |
| KE | Kenya | KES | Not yet available |
| LV | Latvia | EUR | Available: SEPA (EUR). Not yet available: SWIFT (USD) |
| LR | Liberia | LRD | Not yet available |
| LI | Liechtenstein | CHF | Available: SEPA (EUR). Not yet available: SWIFT (USD), payouts in CHF |
| LT | Lithuania | EUR | Available: SEPA (EUR). Not yet available: SWIFT (USD) |
| LU | Luxembourg | EUR | Available: SEPA (EUR). Not yet available: SWIFT (USD) |
| MW | Malawi | MWK | Not yet available |
| MY | Malaysia | MYR | Not yet available |
| ML | Mali | XOF | Not yet available |
| MT | Malta | EUR | Available: SEPA (EUR). Not yet available: SWIFT (USD) |
| MR | Mauritania | MRU | Not yet available |
| MX | Mexico | MXN | Not yet available |
| MC | Monaco | EUR | Available: SEPA (EUR). Not yet available: SWIFT (USD) |
| MA | Morocco | MAD | Not yet available |
| MZ | Mozambique | MZN | Not yet available |
| NL | Netherlands | EUR | Available: SEPA (EUR). Not yet available: SWIFT (USD) |
| NZ | New Zealand | NZD | Not yet available |
| NG | Nigeria | NGN | Available: SWIFT (USD) from bank-held accounts. Not yet available: local bank accounts (NGN) |
| NO | Norway | NOK | Available: SEPA (EUR). Not yet available: SWIFT (USD), payouts in NOK |
| OM | Oman | OMR | Not yet available |
| PK | Pakistan | PKR | Not yet available |
| PH | Philippines | PHP | Not yet available |
| PL | Poland | PLN | Available: SEPA (EUR). Not yet available: SWIFT (USD), payouts in PLN |
| PT | Portugal | EUR | Available: SEPA (EUR). Not yet available: SWIFT (USD) |
| CG | Republic of the Congo | XAF | Available: mobile wallets on the MTN MoMo operator row. Not yet available: bank accounts, SWIFT (USD) |
| RO | Romania | RON | Available: SEPA (EUR). Not yet available: SWIFT (USD), payouts in RON |
| RW | Rwanda | RWF | Available: mobile wallets on the MTN MoMo operator row. Not yet available: other wallet operators, bank accounts, SWIFT (USD) |
| SM | San Marino | EUR | Available: SEPA (EUR). Not yet available: SWIFT (USD) |
| SN | Senegal | XOF | Not yet available |
| SL | Sierra Leone | SLL | Not yet available |
| SK | Slovakia | EUR | Available: SEPA (EUR). Not yet available: SWIFT (USD) |
| SI | Slovenia | EUR | Available: SEPA (EUR). Not yet available: SWIFT (USD) |
| SO | Somalia | SOS | Not yet available |
| ZA | South Africa | ZAR | Not yet available |
| ES | Spain | EUR | Available: SEPA (EUR). Not yet available: SWIFT (USD) |
| SE | Sweden | SEK | Available: SEPA (EUR). Not yet available: SWIFT (USD), payouts in SEK |
| TZ | Tanzania | TZS | Not yet available |
| TG | Togo | XOF | Not yet available |
| TN | Tunisia | TND | Not yet available |
| TR | Turkey | TRY | Not yet available |
| UG | Uganda | UGX | Available: mobile wallets on the MTN MoMo operator row. Not yet available: other wallet operators, bank accounts, SWIFT (USD) |
| AE | United Arab Emirates | AED | Not yet available |
| GB | United Kingdom | GBP | Available: Faster Payments (GBP). Not yet available: SWIFT (USD) |
| US | United States | USD | Available: ACH, wire and RTP (USD) |
| UY | Uruguay | UYU | Not yet available |
| VA | Vatican City | EUR | Available: SEPA (EUR). Not yet available: SWIFT (USD) |
| ZM | Zambia | ZMW | Available: mobile wallets on the MTN MoMo operator row. Not yet available: other wallet operators, bank accounts, SWIFT (USD) |
| ZW | Zimbabwe | ZWD | Not yet available |