01
Live means live
We only call a market live when your customers can use it today. Everything else is marked as next.
AUD, USD live · EUR, GBP, AED soon
Company/About
AboutOne API over local rails
Local money in.
Local money out.
Platforms that serve people across borders need two things: a way to take money in the way each customer already pays, and a way to send it out the way each recipient already gets paid. Locals gives you both, with stablecoins in the middle.
Money inBank transfer · Australia
Live
A$2,400.00
ToBSB 000-000 · 1234 5678
RefHC-2210
Settled to wallet
1,562.40USDC
- Verified
- Matched
- Converted
Money outPayout · Philippines
Early access
₱89,056.80
Quotequo_7Kp2 · 57.00
Statuscomplete
route.deposit.receivedA$2,400.00
transfer.completed200 OK
Why Locals exists
Locals lets any platform take money in the way each customer already pays and send it out the way each recipient already gets paid, on local rails at both ends, with verification first and settlement in USDC.
2currencies live for local collection today
26payout currencies in early access
1contract and one integration for every market
What Locals is
One API. One contract. Your brand in front.
Banking, conversion and card issuing run through regulated partners in each market. You integrate once with Locals and sign one contract. Your customers only ever see your product.
01
Your productYour brand, your app, your customers
You
Your customers
Your app
Your cards
02
Locals APIOne contract, one status model, signed webhooks
Locals
/v1/customers
/v1/routes
/v1/quotes
/v1/transfers
webhooks
03
Regulated partners, per marketBanking, conversion and card issuing
Partners
04
Local railsThe way each customer already pays
Rails-
One integrationAccounts, payouts and cards on the same customers and the same keys.
-
One contractWe manage the partners in each market. You manage one relationship.
-
White-label by defaultYour name on the app, the cards and the account details where the market allows it.
LiveComing soonFrom our coverage, updated
See full coverage →
Principles
How we work.
A few rules we hold ourselves to, so you know what to expect before you sign.
02
One status model
The same statuses and the same webhooks in every market. You build the flow once.
processing → completed
03
Your brand, not ours
Locals works behind your product. Your customers deal with you, not with us.
white-label by default
04
Compliance first
Verification happens before any account, payout or card. We do not trade checks for speed.
customer.verification.updated
05
Plain pricing
You see the price before you commit. A quote shows what you send, what arrives and what it costs.
POST /v1/quotes
06
Boring on purpose
Idempotent writes, signed webhooks and a versioned API. Money software should be predictable.
Idempotency-Key
Compliance
Checks first. Money second.
Every customer is verified before money moves, and every payment can be traced back to who sent it. Here is what that means in practice.
Incoming depositsroute_3f9a · Harbour & Co
KYB approved
Harbour & CoBSB 000-000 · 1234 5678 · allow-listed
A$4,800.00Credited
Unknown senderBSB 000-000 · 8765 4321 · not on the list
A$9,900.00Returned
Returned to the sender, not credited.
POST /v1/routes/route_3f9a/whitelistRegister a sending accountKYC and KYB
Individuals are identified and businesses are verified, including who owns and controls them, before anything is opened.
Source of funds controls
Payments are tied to a verified customer and checked against what we know about them. Unusual activity is reviewed.
Allow-listed senders
Where the market requires it, only registered sending accounts can fund an account. Money from any other account is returned to the sender.
Data protection
We collect what verification and the law require, and share it only with the partners that provide the service.
Go local in every market you serve.
Tell us where your customers are. We will tell you what is live, what is next, and how fast you can launch.