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SprintPay
FinCEN-Registered MSB · Montana

Payments at sprint speed.
Borderless by default.

SprintPay gives businesses one regulated rail to move money the way the world actually pays — cards, ACH, SEPA, SWIFT, FPS, PIX, UPI, Interac, Open Banking and MobileMoney. Built for FX velocity. Compliant by design.

Median Settlement
< 60 sec
Corridors
180+
MSB Reg #
…879688
USD → BRL
PIX
USD → INR
UPI
GBP → NGN
MobileMoney
Live Network · last 60 seconds
🇺🇸 USD🇧🇷 BRLPIXUSD 1,200.00
🇬🇧 GBP🇮🇳 INRUPIGBP 850.00
🇨🇦 CAD🇬🇧 GBPInterac→FPSCAD 4,500.00
🇪🇺 EUR🇳🇬 NGNMobileMoneyEUR 320.00
🇦🇪 AED🇵🇰 PKRSWIFTAED 7,150.00
🇸🇬 SGD🇵🇭 PHPGCashSGD 1,000.00
🇺🇸 USD🇲🇽 MXNSPEIUSD 2,400.00
🇦🇺 AUD🇮🇩 IDROpen BankingAUD 650.00
🇺🇸 USD🇧🇷 BRLPIXUSD 1,200.00
🇬🇧 GBP🇮🇳 INRUPIGBP 850.00
🇨🇦 CAD🇬🇧 GBPInterac→FPSCAD 4,500.00
🇪🇺 EUR🇳🇬 NGNMobileMoneyEUR 320.00
🇦🇪 AED🇵🇰 PKRSWIFTAED 7,150.00
🇸🇬 SGD🇵🇭 PHPGCashSGD 1,000.00
🇺🇸 USD🇲🇽 MXNSPEIUSD 2,400.00
🇦🇺 AUD🇮🇩 IDROpen BankingAUD 650.00
FinCEN
Registered MSB
BSA
AML/CFT Program
Montana
State of Domicile
OFAC
Sanctions Screened
Travel Rule
Compliant Transfers
SprintPay is operated by Finstack LLC · FinCEN MSB Registration #31000323879688 · Authorized Money Transmitter & Dealer in Foreign Exchange · State of Montana
Why SprintPay

Speed, compliance and global rails — in one place.

A US-regulated platform that gives you the velocity of a fintech and the controls of a financial institution.

Sprint Speed

Median settlement under 60 seconds on instant rails. Quote-lock, route and settle on whichever rail is fastest for the corridor — not the one we've always used.

Compliant by Design

SprintPay operates under FinCEN registration, with a BSA / AML/CFT program, OFAC screening, KYC/KYB at onboarding, transaction monitoring on every payment, and SAR-ready audit trails.

Borderless Rails

Cards plus the methods the world actually uses — PIX, UPI, Interac, Open Banking, MobileMoney, SEPA Instant, FPS, SPEI, PayNow, SWIFT.

Honest FX Engine

Mid-market reference rates with transparent spreads. Lock a quote, hold it 30 seconds, settle at the rate you saw. No hidden FX markup.

One API, Many Rails

Stop maintaining a different integration for every country. One reference, idempotent calls, and webhooks designed for production reliability.

Stablecoin Off-Ramps

Bridge USDT and USDC on Tron, Ethereum and BSC into USD, GBP, EUR and AED — with KYC, AML and Travel Rule controls applied.

How Money Moves

From New York to São Paulo in 38 seconds.

A single API call routes through SprintPay's FX engine, picks the fastest local rail, and settles to the recipient — with KYC, AML and Travel Rule checks applied automatically.

Sender
USD
T+0s
FX Engine
Rate Locked
T+0.4s
Local Rail
PIX (Brazil)
T+12s
Recipient
BRL Settled
T+38s
Quote
USD 1,000.00BRL 5,142.30
Rate
5.1423
Fee
0.40%
Settles
38 sec
Payment Methods

Every rail. One integration.

Cards, ACH, SEPA, SWIFT and FPS plus the alternative payment methods that move the modern world.

🇧🇷

PIX

Brazil · Latin America
INSTANT

Instant payments, 24/7

Available
🇮🇳

UPI

India · South Asia
INSTANT

Unified Payments Interface

Available
🇨🇦

Interac

Canada · North America

Domestic rails, e-Transfer

Available
🇪🇺

Open Banking

EU / UK · EMEA

PSD2 account-to-account

Available
🌍

MobileMoney

Pan-Africa · Africa

M-Pesa, MTN, Airtel & more

Available
🇲🇽

SPEI

Mexico · Latin America
INSTANT

Inter-bank electronic transfer

Available
🇬🇧

FPS

United Kingdom · Europe
INSTANT

Faster Payments Service

Available
🇪🇺

SEPA Instant

Eurozone · Europe
INSTANT

10-second SEPA credit

Available
🇵🇭

GCash

Philippines · APAC

Mobile-first wallet

Available
🇸🇬

PayNow

Singapore · APAC
INSTANT

Instant inter-bank

Available
🇺🇸

ACH

United States · North America

Automated Clearing House

Available
🌐

SWIFT

Worldwide · Global

Cross-border wires

Available
FX Engine

Mid-market rates,
transparent spreads.

Lock a quote for 30 seconds. Settle at the rate you saw, with the spread we promised, on whichever rail is fastest right now. No hidden FX markup, no surprise fees on the wire confirmation.

Spread
0.25 – 0.80%
Lock Window
30 sec
Pairs
60+
Live FX Rates · USD base
updated every 30 seconds
🇧🇷USD → BRL5.2341 +0.82%PIX
🇮🇳USD → INR83.2000 −0.15%UPI
🇬🇧USD → GBP0.7919 +0.31%FPS
🇪🇺USD → EUR0.9221 −0.08%SEPA
🇨🇦USD → CAD1.3550 +0.12%Interac
🇳🇬USD → NGN1,520.0 +1.20%MobileMoney
🇲🇽USD → MXN17.8450 +0.45%SPEI
🇰🇪USD → KES128.900 −0.22%M-Pesa
🇧🇷USD → BRL5.2341 +0.82%PIX
🇮🇳USD → INR83.2000 −0.15%UPI
🇬🇧USD → GBP0.7919 +0.31%FPS
🇪🇺USD → EUR0.9221 −0.08%SEPA
🇨🇦USD → CAD1.3550 +0.12%Interac
🇳🇬USD → NGN1,520.0 +1.20%MobileMoney
🇲🇽USD → MXN17.8450 +0.45%SPEI
🇰🇪USD → KES128.900 −0.22%M-Pesa
Ready When You Are

Move money like it's 2026.

Tell us about your corridor, volume and timeline. The SprintPay team — payments engineers and compliance specialists — will scope an integration plan within 24 hours.