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.
rails is the borderless business engine. Unified accounts, payments, FX and treasury across fiat, stablecoins and bitcoin for global teams. Gold soon too.
Your business, connected to
the world's money
Your business, connected to the world's money
rails is the borderless business engine. Unified accounts, payments, FX and treasury across fiat, stablecoins and bitcoin for global teams. Gold soon too.
Reduce stablecoin friction
Stablecoin wallets are built with universal deposit addresses that
can receive funds from any network, routing them to the one you prefer. Wallets are self-custody, passkey-based, and never charge gas fees.
rails is where stablecoins operate without friction.
Invoices that follow orders
Treasury decisions exist at the payment level with rails. Your team can choose what happens to the money when it lands, and the invoice will follow; keep the currency as is, switch to something bolder, or split it. One invoice, many outcomes.
rails lets you move money globally without foreign bank accounts, turning global payables into local payments. Pay suppliers, contractors and teams anywhere, in real-time and their currency. If you have existing banks, you can fund liquid directly too.
Global virtual accounts
Send money globally 24/7/365 across local fiat, stablecoins, bitcoin and soon, gold bullion. Interoperable by design, so your business sends what you want and your counterparty gets what they want. Less intermediaries, less FX leakage.
Send money 24/7/365
rails lets your business get paid the moment money moves. Payments settle overnight, on weekends, and across timezones. Unlock faster working capital, fewer delays, and a treasury that can send, swap or earn around the clock.
Get paid in real-time
Stablecoins are only useful if they connect to the fiat system. rails offers ramps across multiple fiat currencies. They're network-specific, letting your business choose where funds land after on-ramping, and which balance to use when off-ramping.
A unified operating system for businesses
A unified operating system for businesses
Virtual accounts, ramps, payments, wallets, liquidity, settlement, FX and earning
Global virtual accounts
rails lets you move money globally without foreign bank accounts, turning global payables into local payments. Pay suppliers, contractors and teams anywhere, in real-time and their currency. If you have existing banks, you can fund liquid directly too.
Stablecoin ramps
Stablecoins are they're only useful if they connect to the fiat system. rails offers cheap ramps across multiple currencies. Ramps are network-specific, letting your business choose where funds land after on-ramping and which balance to use when off-ramping.
Get paid in real-time
rails lets your business get paid the moment money moves. Payments settle overnight, on weekends, and across timezones. Unlock faster working capital, fewer delays, and a treasury that can send, swap or earn around the clock.
Send money 24/7/365
Send money globally 24/7/365 across local
fiat, stablecoins, bitcoin and soon, gold bullion. Interoperable by design, so your team sends what you want, and your counterparty gets what they want. Less intermediaries, less FX leakage.
Reduce stablecoin friction
Stablecoin wallets are built with universal deposit addresses that can receive funds from any network, routing them to the one
you prefer. Wallets are self-custody, passkey-based, and never charge gas fees. rails is where stablecoins operate without friction.
Invoices that follow orders
Treasury decisions exist at the payment level with rails. Your team can choose what happens to the money when it lands, and the invoice will follow;
keep the currency as is, switch to something bolder,
or split it. One invoice, many outcomes.
Maximise capital efficiency
Receiving payments should initiate something productive. rails can automatically route incoming stablecoins to earn - maximising your treasuries capital efficiency. Positions have no lock-ins, keeping your funds liquid.
Stablecoin ramps
Instant and low cost FX
rails provides your business with instant and low cost swaps across seven local currencies including, GBP, EUR and USD. Nicher currencies are also available, with more coming soon.
Custody on your terms
Hold funds in your own passkey-secured wallets, place them with a regulated custodian like BitGo, or run a hybrid - operating balances self-custodied, reserves in cold storage. It's your money on your terms.
Every corridor can receive local fiat, gold, or both. In 47 countries you can send fiat or digital assets and your recipient can receive local currency; in 15 you can send gold (they can hold or swap to cash) and 5 do both. More coming soon. Stablecoins and bitcoin don't have the same geographic restrictions.
57 countries and counting
Our coverage
57 countries and counting
Our coverage
Every corridor can receive local fiat, gold, or both. In 47 countries you can send fiat or digital assets and your recipient can receive local currency; in 15 you can send gold (they can hold or swap to cash) and 5 do both. More coming soon. Stablecoins and bitcoin don't have the same geographic restrictions.
Who rails serves
Who rails is for
A business’s money is its lifeblood. Fintech has already made money move better than banks. Paying suppliers is cheaper, collecting from overseas is faster, and it’s simpler to hold currencies without opening a foreign account. But efficient is not the same as productive. Transfers end and money sits still, local currencies decay over time, and they're held on someone else's ledger.
At liquid, we believe there’s new level business payments can go to;
Stronger: scarce, neutral forms of money for payments.
Programmable: bespoke rules so balances are always working or earning.
Boundless: bank, stablecoin, bitcoin, and gold networks in one place, interconnected.
Sovereign: owning positions, rather than renting a claim inside someone else's account.
Coming soon to rails
Coming soon to rails
New major stablecoins
We plan on adding stablecoins from Europe and Asia as the worlds currencies move on-chain. Each new stablecoin means another market you can bill into and collect from without touching a bank.
Gold bullion payments
Soon, businesses will be able to send and receive gold as easily as moving dollars. It's a simple way to settle internationally, preserve purchasing power, and hold a portion of working capital in an asset that has endured for centuries.
More invoice options
Right now, invoices can stay in stablecoins or bitcoin, split between currencies or route straight into your yield vault to start earning the moment it lands. Soon, gold bullion will be an invoice option, receiving in AUD and more. Every payment you collect will be yours to shape completely.
Expand off-ramps in Asia
We have significant payout coverage across Europe, Africa and parts of the Americas. Asia is where we're focused on next.
Your money, your instructions
Tell liquid who to bill, where to send, and you approve.
