universa
@UniversaRails

Developer sandbox now open

The fast way to launch fiat-to-USDC rails

Add ACH deposits, hosted KYC, virtual accounts, quote locks, local payouts, and Base USDC settlement without handing provider credentials to every app you ship.

Try the quote

ACH deposits into USDC.

Locked quote
You send exactly USD
Exchange cost included in the rate
Recipient gets

Arrives

Usually within 30 minutes

Total fees

$31.25

Settlement

Base USDC wallet
USA ACH Wire USDC Mexico SPEI Brazil PIX Colombia bank Base settlement
USD MXN BRL COP EUR GBP

One API, many rails

Build the money movement layer once. Let Universa handle the regulated edges.

Create customers, open provider-hosted KYC, issue virtual deposit details, quote every route, attach your markup, and settle approved transfers through institutional LPs and partner banks.

KYC

Customer onboarding

Money movement stays locked until the real end user or business is approved.

ACH

Virtual accounts

Reusable bank details accept fiat deposits and route settlement to USDC or local payout rails.

API

Quote and transfer

Lock rate, partner cost, Universa fee, and tenant markup before the signed transfer is created.

Small business operators reviewing a money movement app at a cafe
Go live corridor by corridor. Start with ACH and USDC, then expand into MXN, BRL, COP, EUR, and GBP as partners approve volume.

Transparent economics

No enterprise sandbox tax.

No $5k/month provider minimum just to validate demand. Test the rails, KYC gates, quotes, transfer signing, and fee model before committing to enterprise contracts.

Sandbox access Monthly minimum Volume gate Fee model Rails
U

Universa

$0 to test

No monthly minimum

No forced enterprise commitment

30 bps Universa base fee plus your configurable markup

ACH, wire, virtual accounts, USDC, and local payout routes

API

Legacy onramp

Custom quote

Often paid plan or sales gate

Volume thresholds unlock better rates

Provider spread plus plan pricing

Coverage depends on region and account approval

PSP

Enterprise PSP

Contract first

$5k/month style minimums can appear before launch

Production access tied to KYB, volume, and risk review

Custom pricing, reserve, and settlement terms

Bank rails first, stablecoin rails by approval

01 / accounts

ACH, wire, and virtual accounts

Create approved customers, issue deposit details, and control where converted funds settle. Use virtual account funding for repeat user deposits instead of one-off manual instructions.

02 / payouts

Local payout routes

Start with the corridors customers ask for first: USD, MXN, BRL, COP, EUR, GBP, and Base USDC settlement behind one quote response.

03 / fees

Your markup, our rails

Universa takes a 30 bps base fee on swaps and transfers. You set the tenant markup above provider costs and show the full fee stack before money moves.

Compliance operations specialists reviewing a customer verification workflow

Risk controls

Developers get keys. End users still get verified.

Production tenants complete KYB or individual review before live access. End users complete KYC where the rail requires it. API keys stay scoped, signed, rate-limited, and tied to an audit trail.

Tenant review KYB before production keys
User gate Funds stay locked until KYC is active
Abuse controls Velocity limits, IP allowlists, scopes, and holds
Read the API model

Coverage in motion

Launch the corridors users already understand.

USD in

ACH, wire, customer onboarding, virtual account funding, and audit records.

MXN out

Quote USD to Mexican pesos, collect fees, and create a signed payout request.

BRL out

Support PIX-style local rails as partner access and customer approvals expand.

COP out

Route Colombian bank payouts through the same quote and transfer contract.

Universa network

A token model built around real platform usage.

UNV is designed to align developers, liquidity, and platform volume without a marketing allocation or open-ended emissions. The public float is separated from long-term developer incentives, burn allocation, and vested team supply.

01 / supply

1B fixed supply, 45% public float

The supply design gives the public market a defined float while reserving the rest for burn, developer rewards, and vested team ownership. There is no separate marketing fund.

Public float45%
Burn allocation25%
Developer rewards25%
Team vesting5%
02 / launch

Transparent USDC launch liquidity

Public liquidity is quoted in USDC so pricing, depth, and market activity are easy to follow. The launch float is separate from developer rewards and vested allocations.

03 / developers

Rewards follow settled volume

Approved businesses can earn from a capped developer pool as their products move real volume through Universa. Rewards are tied to usage milestones, not impressions or referrals.

04 / access

Ownership for builders using the rails

Developer allocation is meant for teams that bring legitimate customers, compliant flows, and recurring transaction volume into the network.

05 / liquidity

Liquidity designed to stay aligned

The public float and liquidity policy are designed for durable market access, transparent execution, and long-term alignment between developers and network users.

06 / fee flywheel

Platform fees can fund transparent buybacks

Universa can route a governed share of net platform fees into market support after provider costs, partner revenue share, reserves, and operating needs are covered. Any program should be capped, transparent, and reported onchain.

01 Collect fees Swap, transfer, account, and FX markup revenue accrues in USDC.
02 Waterfall first Provider costs, partner shares, refunds, and reserves get paid before treasury allocation.
03 Support liquidity A policy-controlled bucket can support UNV markets or deepen USDC-side liquidity.
04 Report it Publish wallet addresses, executed trades, cadence, caps, and pause decisions.

Built for builders

One contract for onboarding, accounts, quotes, and transfers.

Universa holds institutional partner credentials server-side. Developers use tenant-scoped keys, signed requests, idempotency keys, and explicit scopes.

Quote Transfer 
const quote = await universa.quotes.create({
  customer_id: "cus_9Kz...",
  source: { rail: "ach", currency: "USD", amount: "2500.00" },
  destination: { rail: "spei", currency: "MXN" },
  settlement: { network: "base", asset: "USDC" },
  platform_fee_bps: 20
})