> ## Documentation Index
> Fetch the complete documentation index at: https://agents-docs.lightspark.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Currencies & Payment Rails

> Supported currencies, countries, and payment methods

Grid supports a wide range of fiat currencies and cryptocurrencies, with automatic routing across optimal payment rails based on currency, destination, and speed requirements.

## Supported Currencies

![](https://agents-docs.lightspark.com/images/icons/coins.svg)

Cryptocurrency
Available Globally

Bitcoin (BTC) and Stablecoin transactions supported worldwide with no geographic restrictions.

![](https://agents-docs.lightspark.com/images/icons/blocks.svg)

Full Platform Access
United States & Europe

Onboard as a platform with complete access to APIs, hosted KYC/KYB, dashboard, and business integrations.
Send payments to 64 countries on local banking rails, in addition to BTC and stablecoins.

![](https://agents-docs.lightspark.com/images/icons/globe.svg)

Local Payment Rails
64 Countries

Receive payments via local rails like SEPA, PIX, UPI, and more.

| Country | ISO Code | Payment Rails |
| - | - | -: |
| 🇦🇹 Austria | AT | `SEPA` `SEPA Instant` `SWIFT` |
| 🇧🇩 Bangladesh | BD | `Bank Transfer` `Mobile Money` (bKash, Nagad) `SWIFT` |
| 🇧🇪 Belgium | BE | `SEPA` `SEPA Instant` `SWIFT` |
| 🇧🇯 Benin | BJ | `Mobile Money` (MTN, Moov) `SWIFT` |
| 🇧🇷 Brazil | BR | `PIX` `SWIFT` |
| 🇧🇬 Bulgaria | BG | `SEPA` `SEPA Instant` `SWIFT` |
| 🇨🇲 Cameroon | CM | `Mobile Money` (Orange, MTN) `SWIFT` |
| 🇨🇳 China | CN | `AliPay` `WeChat Pay` `Bank Transfer` `SWIFT` |
| 🇨🇴 Colombia | CO | `Bank Transfer` `Mobile Money` (Nequi, Daviplata) `SWIFT` |
| 🇭🇷 Croatia | HR | `SEPA` `SEPA Instant` |
| 🇨🇾 Cyprus | CY | `SEPA` `SEPA Instant` `SWIFT` |
| 🇨🇿 Czech Republic | CZ | `SEPA` `SEPA Instant` `SWIFT` |
| 🇩🇰 Denmark | DK | `SEPA` `SEPA Instant` `SWIFT` |
| 🇪🇬 Egypt | EG | `Bank Transfer` `Mobile Money` (Orange Cash, Vodafone Cash, Etisalat Cash, Meeza) `SWIFT` |
| 🇪🇪 Estonia | EE | `SEPA` `SEPA Instant` `SWIFT` |
| 🇫🇮 Finland | FI | `SEPA` `SEPA Instant` `SWIFT` |
| 🇫🇷 France | FR | `SEPA` `SEPA Instant` `SWIFT` |
| 🇩🇪 Germany | DE | `SEPA` `SEPA Instant` `SWIFT` |
| 🇬🇭 Ghana | GH | `Bank Transfer` `Mobile Money` (MTN MoMo, AirtelTigo) `SWIFT` |
| 🇬🇷 Greece | GR | `SEPA` `SEPA Instant` `SWIFT` |
| 🇭🇹 Haiti | HT | `Mobile Money` (MonCash) `SWIFT` |
| 🇭🇺 Hungary | HU | `SEPA` `SEPA Instant` `SWIFT` |
| 🇮🇸 Iceland | IS | `SEPA` `SEPA Instant` `SWIFT` |
| 🇮🇳 India | IN | `UPI` `NEFT` `RTGS` `SWIFT` |
| 🇮🇩 Indonesia | ID | `Bank Transfer` `SWIFT` |
| 🇮🇪 Ireland | IE | `SEPA` `SEPA Instant` `SWIFT` |
| 🇮🇱 Israel | IL | `Bank Transfer` `SWIFT` |
| 🇮🇹 Italy | IT | `SEPA` `SEPA Instant` `SWIFT` |
| 🇨🇮 Ivory Coast | CI | `Mobile Money` (Wave) `SWIFT` |
| 🇰🇪 Kenya | KE | `Mobile Money` (M-PESA) `SWIFT` |
| 🇱🇻 Latvia | LV | `SEPA` `SEPA Instant` `SWIFT` |
| 🇱🇮 Liechtenstein | LI | `SEPA` `SEPA Instant` `SWIFT` |
| 🇱🇹 Lithuania | LT | `SEPA` `SEPA Instant` `SWIFT` |
| 🇱🇺 Luxembourg | LU | `SEPA` `SEPA Instant` `SWIFT` |
| 🇲🇼 Malawi | MW | `Mobile Money` (Airtel, TNM) `SWIFT` |
| 🇲🇾 Malaysia | MY | `Bank Transfer` `SWIFT` |
| 🇲🇹 Malta | MT | `SEPA` `SEPA Instant` `SWIFT` |
| 🇲🇽 Mexico | MX | `SPEI` `SWIFT` |
| 🇳🇱 Netherlands | NL | `SEPA` `SEPA Instant` `SWIFT` |
| 🇳🇬 Nigeria | NG | `Bank Transfer` `SWIFT` |
| 🇳🇴 Norway | NO | `SEPA` `SEPA Instant` `SWIFT` |
| 🇵🇰 Pakistan | PK | `Bank Transfer` `Mobile Money` (JazzCash, EasyPaisa) `SWIFT` |
| 🇵🇭 Philippines | PH | `Bank Transfer` `SWIFT` |
| 🇵🇱 Poland | PL | `SEPA` `SEPA Instant` `SWIFT` |
| 🇵🇹 Portugal | PT | `SEPA` `SEPA Instant` `SWIFT` |
| 🇷🇴 Romania | RO | `SEPA` `SEPA Instant` `SWIFT` |
| 🇷🇼 Rwanda | RW | `Mobile Money` (MTN, Airtel) `SWIFT` |
| 🇸🇳 Senegal | SN | `Mobile Money` (Orange Money, Wave) `SWIFT` |
| 🇸🇬 Singapore | SG | `PayNow` `FAST` `Bank Transfer` `SWIFT` |
| 🇸🇰 Slovakia | SK | `SEPA` `SEPA Instant` `SWIFT` |
| 🇸🇮 Slovenia | SI | `SEPA` `SEPA Instant` |
| 🇿🇦 South Africa | ZA | `Bank Transfer` `SWIFT` |
| 🇪🇸 Spain | ES | `SEPA`  `SEPA Instant` `SWIFT` |
| 🇸🇪 Sweden | SE | `SEPA` `SEPA Instant` `SWIFT` |
| 🇨🇭 Switzerland | CH | `SEPA` `SEPA Instant` `SWIFT` |
| 🇹🇿 Tanzania | TZ | `Mobile Money` (Airtel, Vodacom) `SWIFT` |
| 🇹🇭 Thailand | TH | `Bank Transfer` `SWIFT` |
| 🇹🇷 Turkey | TR | `Bank Transfer` `SWIFT` |
| 🇺🇬 Uganda | UG | `Mobile Money` (Airtel, MTN) `SWIFT` |
| 🇦🇪 United Arab Emirates | AE | `Bank Transfer` `SWIFT` |
| 🇬🇧 United Kingdom | GB | `Faster Payments` `SWIFT` |
| 🇺🇸 United States | US | `ACH` `Same-day ACH` `Wire Transfer` `RTP` `FedNow` `SWIFT` |
| 🇻🇳 Vietnam | VN | `Bank Transfer` `SWIFT` |
| 🇿🇲 Zambia | ZM | `Mobile Money` (Airtel, MTN, Zamtel) `SWIFT` |

> [!NOTE]
>
> `SWIFT` is the international-wire fallback, available in USD and EUR to nearly every
> destination — including the countries above, and many not listed here that have no local Grid
> rail. Prefer the local rail where one exists: it is faster and cheaper. `SWIFT` cannot reach
> sanctioned or prohibited destinations; Croatia and Slovenia are the two countries in this table
> it does not cover, and both are fully served by `SEPA`. Contact your Lightspark account manager
> to confirm coverage for a specific corridor.

> [!NOTE]
>
> `Mobile Money` pays a wallet held against the beneficiary's phone number rather than a bank
> account. Create the external account with `phoneNumber` (and, in corridors served by more than
> one wallet, the `provider` or `bankName` that selects it) instead of an account number.
> Corridors that list both rails accept either — pick the one your beneficiary holds.
>
> The wallets in parentheses show which providers a corridor reaches. Use the
> [Discoveries API](https://agents-docs.lightspark.com/api-reference/discoveries/list-available-receiving-institution-names.md) for the
> exact accepted values and current coverage, since wallet availability changes over time.

> [!NOTE]
>
> China has two rails serving different beneficiaries. `AliPay` and `WeChat Pay` are
> consumer wallet payouts — use these to pay an individual. `Bank Transfer` is
> business-to-business only, so it cannot be used to pay an individual.

Regional Summary

![](https://agents-docs.lightspark.com/images/icons/globe.svg)

Europe

Primary: SEPA/SEPA Instant

32 countries

![](https://agents-docs.lightspark.com/images/icons/globe.svg)

Middle East and Africa

Primary: Mobile Money and Bank Transfer

17 countries

![](https://agents-docs.lightspark.com/images/icons/globe.svg)

Asia-Pacific

Various instant payment systems

10 countries

![](https://agents-docs.lightspark.com/images/icons/globe.svg)

Americas

PIX, SPEI, ACH, FedNow

5 countries

## Coming Soon

Grid is rapidly expanding. These corridors are next on our roadmap — get in touch to be first in line when they go live.

| Country | ISO Code |
| - | - |
| 🇨🇦 Canada | CA |
| 🇨🇳 China | CN |
| 🇭🇰 Hong Kong | HK |
| 🇰🇷 South Korea | KR |

> [!NOTE]
>
> China already has live coverage in the table above, via Thunes (`AliPay` `WeChat Pay` `Bank Transfer`).
> The entry here is a separate, in-progress corridor through a different provider. It doesn't reduce or
> replace the existing China coverage.

> [!NOTE]
>
> Grid automatically selects the optimal rail based on currency, country, and amount. You don't need to specify the rail in your API requests. For destinations without a local rail, create a SWIFT external account to pay out over international wire — see [External Accounts](https://agents-docs.lightspark.com/payouts-and-b2b/depositing-funds/external-accounts.md).

## Currency Conversion

Grid handles currency conversion automatically through the quote system:

### Exchange Rates

* **Real-time rates**: Grid provides live exchange rates based on market conditions
* **Rate locking**: Quotes lock rates for 1-15 minutes depending on payment type
* **Transparency**: Exact rates and fees shown before execution
* **No hidden fees**: What you see in the quote is what you pay

### Example Conversion Flow

```bash theme={null}
POST /quotes

{
  "source": {"sourceType": "ACCOUNT", "accountId": "InternalAccount:e85dcbd6-dced-4ec4-b756-3c3a9ea3d965"},
  "destination": {"destinationType": "ACCOUNT", "accountId": "ExternalAccount:a12dcbd6-dced-4ec4-b756-3c3a9ea3d123"},
  "lockedCurrencySide": "SENDING",
  "lockedCurrencyAmount": 100000
}
```

**Response:**

> [accordion] Response
>
> ```json theme={null}
> {
>   "id": "Quote:019542f5-b3e7-1d02-0000-000000000020",
>   "status": "PROCESSING",
>   "createdAt": "2025-10-03T15:00:00Z",
>   "expiresAt": "2025-10-03T15:05:00Z",
>   "source": {
>     "sourceType": "ACCOUNT",
>     "accountId": "InternalAccount:e85dcbd6-dced-4ec4-b756-3c3a9ea3d965"
>   },
>   "destination": {
>     "destinationType": "ACCOUNT",
>     "accountId": "ExternalAccount:a12dcbd6-dced-4ec4-b756-3c3a9ea3d123"
>   },
>   "sendingCurrency": {
>     "code": "USD",
>     "name": "United States Dollar",
>     "symbol": "$",
>     "decimals": 2
>   },
>   "receivingCurrency": {
>     "code": "MXN",
>     "name": "Mexican Peso",
>     "symbol": "$",
>     "decimals": 2
>   },
>   "totalSendingAmount": 100000,
>   "totalReceivingAmount": 1716375,
>   "exchangeRate": 0.05797101,
>   "feesIncluded": 500,
>   "platformFeesIncluded": 0,
>   "transactionId": "Transaction:019542f5-b3e7-1d02-0000-000000000025"
> }
> ```

This shows: Send $1,000 → Receive $17,163.75 (1 USD ≈ 17.25 MXN, or exchangeRate: 0.05797101), \$5 fee.


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