Build on the atomic clearing and settlement engine

A single API to clear and settle value across borders.
Twelve currencies. Instant finality. Bank-grade security.

Multi-asset settlement. Fiat and digital assets,
unified through a single API integration.
Read the Docs
Why developers
build on IBEX

Secure by default

OAuth2 client-credentials on a dedicated auth server, so your client secret never touches the API that serves your data. Every client can be locked to an IP allow-list, every webhook is signed with its own Ed25519 key and delivered from a fixed, published set of IPs, and KYC is built in for every beneficiary before funds move. Security is how the platform works, not a feature you switch on.

One API for every rail

Lightning, on-chain Bitcoin, stablecoins, and fiat on/off-ramps behind a single REST API, one token, and one transaction object with the same status lifecycle everywhere. Create an account, issue an invoice, off-ramp to a bank — same client, same auth, same response shapes. No nodes to run, no channels to open, no liquidity to pre-fund. The docs are AI-ready too: a Postman collection for humans and a single llms-full.txt for your coding assistant, so Copilot, Cursor or Claude integrate against the real API instead of guessing. Most teams are making sandbox calls within a day of requesting access.

Ship on sandbox, scale on production

Sandbox is a full replica of production with its own credentials, console, and base URL. Accounts are unlimited per organization, and production is a fully separate environment backed by a 99% uptime SLA with 24/7 coverage for critical incidents.
What you can build
Cross-Border P2P Payments
Settle the inter-bank leg in seconds over Lightning instead of days on legacy rails, with a full audit trail for AML/KYC reporting.
Trading Desks
Real-time settlement across BTC, USDC, USDT, USD, EUR, and other supported currencies, with on-chain custody via API.
Multi-Asset Wallets
USDC, USDT, and BTC, under one account layer with fiat currency interoperability, and custom Lightning address functionality included.
Remittance Apps
Sub -1% fees and near-instant delivery. Send in USD, deliver in local currency.
Neobank Experiences
Spin up accounts in milliseconds and assign Lightning addresses as banking identifiers.
Merchant Settlement
Settle merchant acquiring volume across currencies in real time, so payment processors and PSPs aren't left carrying multi-day float.