Claim 10,000
gSera.

Pre-register before season 1.
Trade. Earn. Stack.

Every $1 you swap on Sera earns 100 gSera points. Stack multipliers for high-heat pairs, regional trading sessions, cumulative volume, and consecutive weeks. Up to 10× per trade (1,000 gSera points).

First 10,000 to pre-register reserve a 10,000 gSera + multiplier head start.

Pre-register →How it works →

100 points per $1 tradedUp to 10× per tradeSeason 1 — 1 June 2026

Pre-registration closes in

--d --:--:--

31 MAY 23:59 UTC

Earn real yield from the world's cross-border payments.

Settlement infrastructure for stablecoin FX, used by remittance apps, fintechs, and LPs.

Share in every FX spread. Your capital earns on every corridor flow routes through, while your portfolio stays inside the pairs you chose to quote.

Deploy liquidity →

Non-custodialAudited by CertiK

Flow routing now

Live

XSGD → IDRX

$2.4M

+$18.2K

EURC → TGBP

$1.8M

+$14.1K

USDT → BRLA

$3.2M

+$24.8K

JPYC → XSGD

$1.5M

+$11.3K

PHPC → IDRX

$2.1M

+$16.5K

EURAU → USDT

$2.7M

+$20.4K

MXNB → USDC

$4.1M

+$30.7K

USDC → CADC

$1.9M

+$14.6K

GBPT → EURC

$2.3M

+$17.4K

USDT → KRWO

$1.2M

+$9.1K

BRLA → MXNB

$2.8M

+$21.2K

CCHF → EURAU

$1.6M

+$12.3K

XSGD → IDRX

$2.4M

+$18.2K

EURC → TGBP

$1.8M

+$14.1K

USDT → BRLA

$3.2M

+$24.8K

JPYC → XSGD

$1.5M

+$11.3K

PHPC → IDRX

$2.1M

+$16.5K

EURAU → USDT

$2.7M

+$20.4K

MXNB → USDC

$4.1M

+$30.7K

USDC → CADC

$1.9M

+$14.6K

GBPT → EURC

$2.3M

+$17.4K

USDT → KRWO

$1.2M

+$9.1K

BRLA → MXNB

$2.8M

+$21.2K

CCHF → EURAU

$1.6M

+$12.3K

spread captured

your share · 2.4%

Your yield · 24h

XSGD/TGBP book

$12473.40

1,247 payments routed across 34 pairs

$2.91Mvolume

$1.09Mdeposits

1,440transactions

472traders

How liquidity earns on Sera.

Three steps. No emissions. No farming. Just FX spread.

Step 01T+0

Deposit

Deposit any supported stablecoin, USDC, EURC, XSGD, BRLA, and 600+ more. Non-custodial. Withdraw anytime.

Step 02Yield

Your liquidity serves real FX flow

Remittance apps, B2B payment corridors, and fintech settlement routes all route through your book via Smart Order Routing.

Step 03Continuous

Earn, compounded into your position

Spread yield accrues block-by-block. Transparent on-chain accounting. No lockup. Sera takes 0 fees.

End-to-end corridor

Example · 12+ rails supported

Fiat inSGD via PayNowVirtual account

StablecoinXSGDMint / deposit

Sera FXXSGD → IDRXSub-second swap

StablecoinIDRXSettlement

Fiat outIDR via BI-FASTPayout rail

Every swap on Sera comes from real economic flow , not speculation.

Sera is the settlement layer beneath cross-border remittance apps, B2B payment networks, and stablecoin-native fintechs. LPs earn the FX spread on every transaction that routes through their liquidity. No emissions. No farming. Just FX spread.

AFlow source 1 of 6

Cross-border remittances

Workers sending money home route through local-currency stablecoins. Every conversion pays LPs.

PHPC ↔ XSGD ↔ IDRX

BFlow source 2 of 6

B2B import / export

Importers and exporters settle invoices in minutes, not days. High-ticket flows, steady yield.

MYRT ↔ JPYC ↔ BRLA

CFlow source 3 of 6

Stablecoin payments

Fintechs and PSPs use Sera as settlement rails. Consumer payments, merchant payouts, treasury ops.

EURC ↔ TGBP ↔ USDT

DFlow source 4 of 6

Payroll & salary disbursement

Multinational employers pay remote teams in local currencies. Recurring, predictable flows.

USDT → MXNE, CNGN, axCNH

EFlow source 5 of 6

Non-USD direct pairs

Emerging market corridors: direct GBP ↔ MXN, JPY ↔ SGD, etc. Reduce conversion hops.

NTZS ↔ CHFAU ↔ THBT

FFlow source 6 of 6

Mispricing arbitrage

Rate discrepancies across venues create instant, risk-free yield for alert LPs.

ITRY → CADC → WARS → ITRY

Yield by corridor

Where the yield is, right now.

Live · 30D trailing

Indicative annualized yield from real flows over the trailing 30 days, by liquidity corridor.

Yield calculations coming soon

Rails · PayNow · BI-FAST

Rails · DuitNow · IPP

Rails · SEPA Instant · FedNow

Rails · ACH · InstaPay

View →

Indicative · preview

Important disclaimer

Indicative APYs shown above are derived from activity over the trailing 30 days and are presented for illustrative purposes only. Actual yields depend on swap volume, pool utilization, the size and concentration of your liquidity contribution, and prevailing FX market conditions. Yields are not guaranteed, may be lower or zero, and can fluctuate materially over short timeframes. Liquidity provision involves risk including loss of principal, smart-contract risk, oracle risk, and adverse FX movement. This page is not investment advice, not a solicitation, and not an offer to sell securities. Sera Protocol is non-custodial; deposits remain under user control. Review the documentation, audit reports, and risk parameters before deploying capital.

Why park money here

Earn what banks charge, not what banks pay.

The fees you pay sending money abroad are the spread. On Sera, that spread flows to the liquidity powering the payment, you, instead of Visa, Mastercard, or Western Union.

🇸🇬Bank savings · Singapore

01 / 15

0.05% APY

Bank keeps the margin

Sera LP · last 30 days

Live

18.2% APY

Range 8–25% based on corridor volume

That's 364× more than Singapore banks pay you to hold the same dollar.

Where Sera sits on the yield ladder

Sera LP

18.2%

Equities

8.0%

T-bills

3.8%

Fixed deposit

3.0%

Bank savings

0.05%

Why Sera can pay more than equities

Equities pay ~8% because they're passive ownership of a business. Sera's yield is active margin, the fee every payment company takes on every cross-border transaction, across remittances, B2B trade, global payroll, and money-changing.

Consumer & merchant flows

Visa take rate

~3%

Western Union take

5–7%

Sera's take

Treasury & B2B flows

Benchmark: USD 10M USD→BRL settlement

Correspondent bank

SWIFT + FX desk

~4.5%

≈ $450,000

T+2 · SWIFT wire $25–50 + 3–5% FX spread

SWIFT-only wire

USD → USD, separate FX

~2.8%

≈ $280,000

T+1 · wire fee + 2nd-leg FX conversion

Sera

Stablecoin FX + local rail

0.14%

≈ $14,000

Seconds · 8 bps swap + 6 bps spread

Same dollar amount. Same endpoints. A treasury settling USD 10M to BRL through a correspondent bank pays ~$450,000 all-in. Through Sera, ~$14,000, settled in seconds, with the spread paid to the LPs who seeded the corridor, not to a chain of intermediaries.

Sera is the rail, not the middleman. 100% of the FX spread flows to the liquidity making each transaction possible.

Sera isn't a bank account. Funds sit in audited smart contracts, not insured by SDIC, FDIC, or PIDM. Yield scales with corridor volume, more flow, more earnings. Indicative APY based on trailing 30-day flow; not guaranteed. Bank savings rates sourced from typical demand/passbook accounts at mainstream retail banks (April 2026); promotional tiers excluded. Correspondent bank figures are market-typical all-in costs (FX spread + wire fees) for USD→BRL settlement of USD 10M; actual costs vary by bank, counterparty, and corridor.

How Sera compares

The legacy FX stack, rewritten.

Traditional FX was built for banks clearing billion-dollar blocks. Sera rebuilds those rails for liquidity providers, removing the intermediaries that used to skim the spread.

Intermediaries between LP and flow

T+22s

Settlement latency

$10M$0

Minimum to provide liquidity

Capital efficiency

Separate margin per position

Virtual liquidity across pairs

Pricing

Opaque OTC

Consistent CLOB pricing

Cross-currency

Routed through USD

Direct pairs available

Custody

Broker / prime brokerage

Non-custodial smart contracts

Access

Broker relationships, KYC gates

Any wallet, any size

Verifiability

Trust-based, quarterly audits

On-chain, open source

Cost benchmarks

The same trade, priced three ways.

Today, customers pay 2–50%+ to participate in a market that should cost basis points. Mainstream consumer rails and SWIFT settle around 3–7%; exotic corridors and edge currencies routinely climb far higher. Below: three real-world lanes, same dollar in, same destination — the middle column is what each legacy rail charges today; the green column is what Sera charges.

vs. consumer cross-border servicesBenchmark · $1,000 USD → PHP remittance

Visa cross-border

Card network + acquirer markup

~3%

≈ $30 per $1,000

FX spread bundled into card-network rates. Settlement T+1 to T+2.

Western Union

Remittance operator

5–7%

≈ $50–70 per $1,000

Combination of explicit fee and FX markup. Cash pickup in minutes; bank deposit T+0 to T+1.

Sera

Stablecoin FX + local rail

~0.14%

to LP

≈ $1.40 per $1,000

8 bps swap + 6 bps spread, no platform fees. Settlement in seconds. Spread paid to the LP, not to a chain of intermediaries.

vs. treasury & B2B settlementBenchmark · $10M USD → BRL treasury movement

Correspondent bank

SWIFT + FX desk

~4.5%

≈ $450,000

T+2 · SWIFT wire $25–50 + 3–5% FX spread + correspondent chain markups.

SWIFT-only wire

USD → USD, separate FX leg

~2.8%

≈ $280,000

T+1 · wire fee + second-leg FX conversion via local broker or onshore desk.

Sera

Stablecoin FX + local rail

~0.14%

to LP

≈ $14,000

Seconds · 8 bps swap + 6 bps spread, paid to LP. No correspondent chain, no SWIFT relay.

vs. on-chain decentralized exchangesSwap fee · 30D avg · typical pools

Uniswap

Constant-product AMM

5–30 bps

+ price impact + slippage

Swap fee tier set per pool. Fee taken on top of price impact, paid to LPs. Not optimized for FX-pegged assets.

Curve

Stable-AMM

4 bps

+ admin fee

Lower fee for like-pegged stable pairs. 50% of fee routes to veCRV holders, not directly to LPs.

Sera

FX-native settlement

0 bps

pricing is the spread

No swap fee, no withdrawal fee, no management fee. Pricing is FX spread. LP earns the spread quoted; Sera earns a thin routing margin.

The Sera network

Bank-grade fiat in. Local payout everywhere.

Sera bridges on-chain stablecoin FX with the world's instant-payment rails, natively. One integration, local-currency settlement across 100+ jurisdictions.

01·Pay-in

Accept fiat via the rail your user already uses.

Dedicated IBANs
Virtual account numbers
QR codes
Mobile-money handles

SEPA InstantFedNowUPIPixPayNow+20

Real-time receipt. No reference codes, no manual matching, no drop-off.

02·Settle on-chain

Real-time FX across the deepest stablecoin pools.

Auto-convert at spot rates
Smart routing, best execution
Atomic, auditable, 24/7
Peg-matched to payout currency

USDCEURCXSGDJPYCBRLA+600

One settlement layer. No pre-funding across 60+ corridors.

03·Pay-out

Deliver local currency on local rails, instantly.

Bank accounts
Mobile wallets
Mobile-money
QR payments

SPEIPixDuitNowPromptPayPayShap+30

True end-to-end cross-border, not stitched one rail at a time.

Jurisdictions

Currencies

Instant rails

Stablecoins

Global instant-payment railsPay-in & pay-out

EUSEPA InstantUSFedNow / ACHHKFPSSGPayNowMYDuitNow / FPXIDQRIS / BI-FASTTHPromptPayPHInstaPayINUPI / IMPSBRPixMXSPEI / CoDiUKFaster PaymentsJPZenginAUPayID+ more via partners

Coverage

Rail · Currency per jurisdiction

Asia-Pacific

Singapore
PayNow · SGD
Malaysia
DuitNow · MYR
Thailand
PromptPay · THB
Indonesia
QRIS · IDR
Philippines
InstaPay · PHP
India
UPI · INR
Japan
Zengin · JPY
Australia
PayID / NPP · AUD
+ more via partners

Europe

EU
SEPA Instant · EUR
United Kingdom
FPS · GBP
Switzerland
SIC / Twint · CHF
Germany
SEPA Instant · EUR
France
SEPA Instant · EUR
Sweden
Swish · SEK
Turkey
FAST · TRY
Poland
BLIK · PLN
+ more via partners

Americas

USA
FedNow / ACH · USD
Canada
Interac · CAD
Mexico
SPEI · MXN
Brazil
Pix · BRL
Argentina
Transfers 3.0 · ARS
Chile
TEF / Webpay · CLP
Colombia
PSE · COP
El Salvador
Bank transfer · USD
+ more via partners

MENA & Africa

UAE
Aani · AED
Saudi Arabia
sarie / IPS · SAR
Egypt
InstaPay EG · EGP
South Africa
PayShap · ZAR
Nigeria
NIP · NGN
Kenya
M-Pesa · KES
Morocco
Bank transfer · MAD
Ghana
Mobile money · GHS
+ more via partners

Supported stablecoins

Peg-matched across 600+ assets

USD peg

USDCUSDT

EUR peg

EURCEUReEURS

GBP peg

TGBPGBPT

Regional pegs

XSGDJPYCBRLAMXNBPHPCIDRXCCHFCADC+ more

Coming soon

Spend your stablecoins anywhere.

The Sera Stablecoin Card. Real-time FX conversion at point-of-sale, powered by the same settlement engine that clears the book.

Multi-currency

•••• •••• •••• 7024

Cardholder

Max Born

Settles in

120+ currencies

Waitlist open

Earn on the FX engine for stablecoins.

100+ jurisdictions routable via partner rails. LP-seeded corridors live on mainnet now, every spread you deploy against flows directly to you.

Deploy Liquidity

Claim 10,000gSera.

How liquidity earns on Sera.

Deposit

Your liquidity serves real FX flow

Earn, compounded into your position

Every swap on Sera comes from real economic flow , not speculation.

Cross-border remittances

B2B import / export

Stablecoin payments

Payroll & salary disbursement

Non-USD direct pairs

Mispricing arbitrage

Where the yield is, right now.

Earn what banks charge, not what banks pay.

The legacy FX stack, rewritten.

The same trade, priced three ways.

Bank-grade fiat in. Local payout everywhere.

Accept fiat via the rail your user already uses.

Real-time FX across the deepest stablecoin pools.

Deliver local currency on local rails, instantly.

Coverage

Supported stablecoins

Spend your stablecoins anywhere.

Earn on the FX engine for stablecoins.

Claim 10,000
gSera.