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Institutional

The AUD rail forstablecoins at scale.

Wayex is a multi-chain stablecoin orchestration layer, delivered via API. Convert between stablecoins and Australian dollars in both directions, through standing payment routes for your customers or a prefunded treasury wallet for your own flows, without standing up banking or local rails.

Register interestSee how it works
USDC and USDT, nine chainsAUD over PayID, NPP and OskoPublic docs and sandboxdocs.rails.wayex.com

USDC and USDT, on every major chain

The opportunity

Moving between stablecoins and AUD at scale is slow, heavy, and hard to build in-house.

Doing it yourself means standing up banking and domestic rails and running them reliably, which takes years and ties up capital and engineering. Wayex provides the AUD rail and the orchestration layer above it, so you convert and settle in both directions through one API, with a web console your operations team can drive.

How it works

One conversion point,both directions.

Wayex sits at the centre of every flow, converting and orchestrating the stablecoin leg, whichever way value moves.

Off-ramp

Stablecoin in, AUD out

  • Stablecoin inClient holds stablecoinMulti-chain. Wayex orchestrates the stablecoin leg.
  • WayexThe single conversion pointConvert to AUD, in one step.
  • AUD outAUD settles to an Australian bankDomestic rails: PayID, NPP, Osko.

On-ramp

AUD in, stablecoin out

  • AUD inAU payer sends AUDDomestic rails: PayID, NPP, Osko.
  • WayexThe single conversion pointConvert to stablecoin, in one step.
  • Stablecoin outRecipient receives stablecoinMulti-chain. Wayex orchestrates the stablecoin leg.

Both directions run through the same conversion point and the same API, whichever way value moves.

AUD settles overPayIDOsko by BPAY

Operating models

One API,two ways to run it.

Standing payment routes when your customers fund the flow, a prefunded treasury when you do. Start with one and add the other later: both run behind the same API and the same account.

Route-funded

Payment routes

Standing deposit instructions, per customer.

Create a route once and it stays live. Every time your customer funds it, Wayex converts at the live rate and settles to the configured destination: an Australian bank account or PayID one way, a wallet address on the chain you choose the other. Nothing is prefunded and there is no quote to manage.

  • Durable instructions your customer can fund repeatedly
  • The binding rate is struck the moment funds arrive
  • Per-route minimum, maximum and daily limits
  • A lifecycle timeline on every transfer, plus a live activity feed
Quickstart in the docs
Prefunded

Treasury

A prefunded client wallet for AUD, USDC and USDT.

Fund it by AUD bank transfer or on-chain deposit, then move value on your own schedule. Convert between AUD and stablecoin on firm, expiring quotes, pay out AUD to saved beneficiaries and withdraw stablecoin to validated addresses, with every accepted operation durably reserved so a balance is never spent twice.

  • Balances split into available, reserved, pending and posted
  • Exact conversion quotes: rate, fee and expiry up front
  • Payout and withdrawal previews before you commit
  • Append-only ledger, searchable operations, CSV export
Treasury guide

Use cases

How institutionscan use Wayex.

The same conversion point and API, put to work four ways. Each one is the same idea: stablecoins on one side, Australian dollars on the other.

  • Mining
  • Cross-border payments
  • Fintechs & platforms
  • Treasury
Wayex
USDC · USDTAUD
One conversion point, both directions.

Settles to an Australian bank over PayID, NPP and Osko.

Mining

Pay Australian costs from on-chain revenue

You earn in stablecoin, but power, hosting, payroll and tax are billed in Australian dollars. Wayex converts your USDC or USDT to AUD and settles it straight to your bank, so you cover local costs without running your own off-ramp or banking.

Stablecoin in, AUD to your bank
Cross-border payments

Pay into and collect from Australia

An offshore business needs to pay Australian suppliers, or collect from Australian customers. Wayex turns stablecoin into AUD and settles it locally, or takes AUD in and converts it back to stablecoin, so you reach Australian counterparties without a local entity.

AUD in or out, via stablecoin
Fintechs & platforms

Offer an AUD on and off-ramp, under your brand

You want your users to move between stablecoins and AUD without leaving your product. Wayex runs verification, conversion and settlement behind your interface through one API, and you set your own fee on every conversion, so the flow becomes a revenue line instead of a build.

White-label, on your interface
Treasury

Manage AUD alongside stablecoin holdings

Your treasury holds stablecoin but operates in Australian dollars. Wayex lets you convert between the two on firm quotes and settle to your bank on demand, with the references, ledger and reconciliation your finance team needs to close the books.

Convert and settle, on demand

Verification built in

Onboard customers,without building onboarding.

Every end customer is created, verified and entitled over the API, so the checks that gate movement are part of the product rather than a project you run afterwards.

  1. 01

    Create the customer

    One call registers an individual or business under your account, carrying your own customer ID for cross-referencing.

  2. 02

    Send one link

    Wayex issues a hosted verification link. Customers already verified with Sumsub can reuse that identity through a single-use share token instead.

  3. 03

    Entitlements unlock

    As verification completes, entitlements switch on what each customer can do. Creating a route is fail-closed: no verification, no movement.

  4. 04

    Screening in the corridor

    Transfers pass compliance screening as part of the flow, and anything held is visible with its lifecycle timeline over the API.

Your revenue

Set your margin.We do the accounting.

For platforms and fintechs, the flow is also a revenue line. Configure your own developer fee and Wayex withholds it from each conversion, reports it back over the API, and credits it against your monthly invoice.

Your fee schedule
Set a developer fee in basis points, a flat AUD amount per transfer, or both, over the API.
Withheld in flow
Your margin comes out of each conversion automatically. Nothing to invoice your customers for.
Reported
Revenue aggregated by day, week or month, filterable by asset, straight from the API.
Credited
Accrued fees offset your monthly invoice. If the credit is larger, the balance is owed to you.

Why Wayex

Infrastructure youdon’t have to build.

Multi-chain
Nine chains, two stablecoins
AUD settlement
PayID, NPP, Osko
Both ways
Payin and payout
API + Console
Server-to-server, or in the browser

Multi-chain by default

USDC and USDT across nine chains, behind one API that abstracts the chain away.

Domestic AUD settlement

AUD settles over PayID, NPP and Osko, in near real time during operating windows.

Both directions

Stablecoin to AUD and AUD to stablecoin, including payins and payouts to third parties.

Isolated accounts

Funds, balances and settings are isolated per client account. One account’s key can never read or spend another’s wallet.

Sandbox first

A fully simulated sandbox lets you integrate and test every workflow end to end before real funds move.

Operable by your whole team

A web console with admin, operator and viewer roles, MFA on value-affecting actions, and an audit trail behind them.

Built for integration

An API for AUD,end to end.

Programmable from the first call and documented in public. Stand up a customer, create a route, firm-quote a conversion: every mutation takes an idempotency key and every step emits a signed event.

  • Idempotency keys on every mutation
  • HMAC-signed webhooks across twenty event types
  • Scoped API keys with IP allow-lists and rotation
  • Publishable keys for reads, secret keys for value
  • A live all-in rate you can show your customer
  • Cursor pagination and CSV export for reconciliation
Read the docs
POST /v1/customers/{customerId}/payment-routes
API reference
POST /v1/customers/cus_9f2e41/payment-routes
Idempotency-Key: 1d4f7a0c-…

{
  "direction": "stablecoin_to_aud",
  "destination": {
    "bankAccount": {
      "accountHolderName": "Acme Mining Pty Ltd",
      "bsb": "062000",
      "accountNumber": "12345678"
    },
    "asset": "USDT",
    "networkScope": "evm"
  },
  "limits": {
    "daily": "500000.00"
  }
}

Returns durable deposit instructions the customer can fund again and again. One address accepts the asset on every EVM chain currently enabled for deposits, and each deposit converts at the live rate and settles to the account above.

Simplified for display. The full reference and guides live at docs.rails.wayex.com.

Expression of interest

Register your interest.

Tell us about your flows. Our partnerships team will be in touch to talk through fit, onboarding and next steps. Eligibility and commercials are scoped per client, and your engineers can read the API docs in the meantime.

We only ask for what we need to assess fit. No sensitive data, please.

FAQ

Answered,measured and accurate.

The questions institutional teams ask first, about coverage, the two operating models, fees, onboarding and commercials.

Get started

Bring stablecoin and AUDonto one rail.

Register interestRead the docs

Information on this page is indicative only and may change. It is not financial or legal advice and is intended for wholesale and institutional clients. Any engagement is subject to eligibility and onboarding.