For outbound B2B payments, the same rails that power our remittance product work for businesses - stablecoins and Lightning settle your international transfers in real time.
But the real shift for businesses is on the inbound side. Our invoice engine lets you create an invoice in AUD, generate a unique payment link, and have your overseas client settle in stablecoins on their preferred network, whilst automatically delivering it to your preferred network through cross-chain intents*. The whole thing looks and works like a normal invoice, except settlement is instant.
Once the payment lands, you choose what happens next: convert the full amount to AUD, hold in stablecoins, auto-convert to Bitcoin or gold (later rollout), or split it. You pre-set it once and it automatically executes.
What's even cooler about the invoicing tool, is that each business gets their own segregated smart account* on-chain, meaning a portion (or all) of incoming stablecoin payments can automatically be routed into your passive yield account, in one atomic action.
Your money either moves, converts, or earns, and nothing sits idle.
Designed for forward-looking Australian businesses who operate across borders. Send & receive funds globally using stablecoins. Bespoke payouts available.
Business payments built on fast, open rails.
Global business payments
that settle in real-time & make incoming funds earn instantly.
Global business payments that settle in real-time and are productive by default.
rails is for forward-looking Australian businesses who operate across borders. Send and receive funds globally without banks. Programmable payouts available to suit business needs across fiat, yield-generating stablecoins & bearer assets.
Global business payments built on fast, open networks.
For outbound B2B payments, the same rails that power our remittance product work for businesses - stablecoins and Lightning settle your international transfers in real time, with gas fees sponsored by us - you'll never need to hold the underlying token.
For businesses the real shift is on the inbound side. Our invoice engine lets you create an invoice in AUD, generate a unique payment link, and have your overseas client settle in stablecoins on their preferred network, whilst automatically delivering it to your preferred network. There's no prior discourse needed with your payer about the network to send it on. The whole thing looks and works like a normal invoice, except settlement is instant.
But what's even cooler is once the payment lands, you choose what happens next: convert the full amount to AUD, hold in stablecoins, auto-convert to Bitcoin or gold (later rollout), or split it. You pre-set it once and it automatically executes.
Another feature of the invoicing tool is that a portion (or all) of the incoming stablecoin payment can be automatically routed into your yield account, in one single flow.
Your money either moves, converts, or earns, and nothing sits idle.
Stablecoin year-on-year growth
Stablecoin adjusted volume, 12 months to 2025
87%
Source: a16z
Source: a16z
~$9T USD
The rails behind liquid
Source: Artemis
~$300B USD
Stablecoins in circulation
Stablecoins in circulation
Source: Artemis
The rails behind liquid
Stablecoin adjusted volume, 12 months to 2025
~$9T USD
Source: a16z
Stablecoin year-on-year growth
Source: a16z
~$300B USD
87%
Payment rails for the internet
Information has moved freely across the world for decades; any direction, any second, no permission required. Money has been slow to catch up. liquid puts your payments on internet-native rails, so value moves the way information already does; real-time, in any direction, 24/7.
Payment rails for the internet
Information has moved freely across the world for decades; any direction, any second, no permission required. Money has been slow to catch up. liquid puts your payments on internet-native rails, so value moves the way information already does; real-time, in any direction, 24/7.
Stablecoins that move both ways
Stablecoins are only useful if you can move them in and out of the fiat system. They're the upgraded rail, not the finish line. liquid keeps both doors open with ultra-cheap on and off ramps. But the cool part of our ramps is the control you get with the networks. When on-ramping, you can pick which network your stablecoins land on in your wallet. When off-ramping, you pick which balance gets used, or let liquid combine multiple if no single network has enough on its own. Gas fees are sponsored both ways - every single time.
Stablecoins without complexity
The complexity of stablecoins has always been passed on to the user; seed phrases to safeguard, gas fees to pre-fund, chains to choose between, a different wallet for every network. These friction points are what liquid removes. All that's left is the part that actually helps your business; smoother money flow, faster settlement and lower cost.
One address for many networks
Stablecoins that move both ways
Stablecoins are only useful if you can move them in and out of the fiat system. They're the upgraded rail, not the finish line. liquid keeps both doors open with ultra-cheap on and off ramps. But the cool part of our ramps is the control you get with the networks. When on-ramping, you can pick which network your stablecoins land on in your wallet. When off-ramping, you pick which balance gets used, or let liquid combine multiple if no single network has enough on its own. Gas fees are sponsored both ways - every single time.
Which network do I send to? It's the annoying question that pops up before payments are sent. Pick the wrong one and it fails, or worse, disappears into the ether. Fortunately, this is a problem of the past. liquid is built with Smart Receive Addresses - one universal deposit address for many networks, routing the payment to the one you choose. Your sender transfers what they have, and you get what you need.
Stablecoins without complexity
The complexity of stablecoins has always been passed on to the user; seed phrases to safeguard, gas fees to pre-fund, chains to choose between, a different wallet for every network. These friction points are what liquid removes. All that's left is the part that actually helps your business; smoother money flow, faster settlement and lower cost.
Invoices that follow orders
Treasury decisions exist at the payment level with liquid. Using stablecoins as the rail, your team can choose what happens to the money when it lands, and the payment will follow. To start, payments can stay as the original stablecoin, switch to another stablecoin, or automatically land in your yield vault. Your money is either sending, swapping or earning at all times. In a later rollout; Gold, Bitcoin, fiat and split payments will be available.
Maximising capital efficiency
One address, many networks
Which network do I send to? It's the annoying question that pops up before payments are sent. Pick the wrong one and it fails, or worse, disappears completely. Fortunately, this is a problem of the past. liquid is built with Smart Receiving Addresses - one universal deposit address for many networks, routing the payment to the one you choose. Your sender transfers what they have, and you get what you need.
Invoices that follow orders
Treasury decisions exist at the payment level with liquid. Using stablecoins as the rail, your team can choose what happens to the money when it lands, and the payment will follow. To start, payments can stay as the original stablecoin, switch to another stablecoin, or automatically land in your yield vault. Your money is either sending, swapping or earning at all times. In a later rollout; Gold, Bitcoin, fiat and split payments will be available.
Maximising capital efficiency
Receiving a payment shouldn't be the end point, it should be the start of something productive. liquid makes this transition easy and efficient, routing stablecoin payments straight into your yield vault, which can earn up to 8x* traditional bank accounts. Your capital begins compounding the moment it lands.
Receiving payments shouldn't be the end point - they should be the start of something productive. liquid makes this transition streamlined and efficient, routing stablecoin payments straight into your yield vault, which can earn up to 8x* traditional bank accounts. Your capital begins compounding the moment it lands.
What's next for rails?
What's next for rails?
More major stablecoins
We're adding more stablecoins from Europe, Latin America and Asia as the world's currencies move on-chain. Each new option means another market you can bill into and collect from without touching a bank, another spread you no longer pay, another currency that settles in seconds instead of days.
We're adding more stablecoins from Europe, Latin America and Asia as the world's currencies move on-chain. Each new option means another market you can bill into and collect from without touching a bank, another spread you no longer pay, another currency that settles in seconds instead of days.
More major stablecoins
Better invoice payout options
Right now on liquid, a paid invoice can stay in stablecoins, switch to another, or route straight into your yield vault to start earning the moment it lands. That's only the first set of choices. Soon, every payment you collect will be yours to shape completely; cash it out to local currency for day-to-day, move it into gold or Bitcoin to build something lasting, keep it earning, or split it across all of them in one flow. Payments will be a strategic treasury decision for you to make.
We're adding more stablecoins from Europe, Latin America and Asia as the world's currencies move on-chain. Each new option means another market you can bill into and collect from without touching a bank, another spread you no longer pay, another currency that settles in seconds instead of days.
More major stablecoins
Terminology Index
Stablecoins: A stablecoin is a cryptocurrency designed to keep a steady price by tying (or “pegging”) its value to something more stable, like a dollar, euro, or gold. Most commonly, one stablecoin is intended to always be worth about one unit of the asset it tracks (for example, 1 USDC ≈ 1 USD), using reserves or algorithms to hold that price as market conditions change.
Stablecoin On/Off-Ramps: A stablecoin on-ramp is a service that lets you turn normal money in your bank (fiat) into stablecoins like USDC or USDT and send them to a crypto wallet. A stablecoin off-ramp is the opposite: it lets you turn those stablecoins back into regular money and pay it out to a bank account or card so you can spend it in the traditional financial system
Gas Fees: Gas fees are the small transaction costs you pay to get a digital asset transaction processed and recorded on a blockchain, usually going to the validators who run the network, Think of it like a toll on a highway.
Seed Phrases: A seed phrase is a list of 12–24 random words that acts as the master key to your digital asset wallet, letting you restore or access all its funds if your device is lost or broken. Anyone who knows your seed phrase can fully control your wallet, so it must be kept secret and stored securely offline (for example, written on paper in a safe place).
Network Token: Gas fees are the processing cost you pay to get your transaction written to the blockchain (like paying postage to send a letter). Each network only accepts its own native token for that cost (Ethereum needs ETH, Solana needs SOL, Polygon needs MATIC, etc.).
Chain: A network or chain in digital assets is a shared digital ledger, run by many computers around the world, that records and orders all transactions for a particular cryptocurrency (like Bitcoin or Ethereum).
Stablecoin Yield Account: A stablecoin yield account is where you deposit stablecoins into decentralised protocols to earn interest‑like returns, instead of leaving them idle in your wallet.
Smart Receive Address: A Smart Routing Address is a single wallet address that can receive payments from any blockchain network. It acts as a universal receiver: the sender uses one address regardless of which chain they're paying from, and the underlying smart contract logic handles routing the funds to the right place automatically.