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Domestic Payments for U.S. & Canadian Businesses

Pay vendors, employees, and partners instantly—without the bank delays.

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Explore Our APIs

Domestic Payments Without Bank Complexity

Traditional local payments can still be delayed or fragmented. Cybrid gives businesses modern access to U.S. and Canadian payment rails without the licensing, overhead, or technical debt.

Faster Settlements
Use RTP, ACH, or wire to pay vendors or contractors in hours.
All Rails in One Platform
Access RTP, ACH, and wire from one API.
Regulatory Compliance Built In
Launch without managing MSB licenses or compliance tools.

A Simple 4-Step Process to Move Money in the US & Canada

  1. Verify & Onboard: Complete KYC/KYB to begin sending and receiving payments within the U.S. and Canada.
  2. Link Your Bank Account: Connect your business bank account and deposit funds to your Cybrid-issued FBO account.
  3. Send Domestic Transfers: Use ACH, Wire, or RTP to send same-day or real-time payments to customers, vendors, or internal accounts.
  4. Monitor & Reconcile: Track payment status, view logs, and reconcile transactions through the Cybrid dashboard or API.

Domestic Payments Shouldn’t Be This Manual

Businesses operating in the U.S. and Canada often deal with delayed payments, fragmented systems, and the hassle of managing ACH, Wire, and RTP separately. What should be fast and simple is bogged down by outdated bank processes and manual reconciliation.

Cybrid gives you instant access to domestic payment rails with built-in compliance, real-time tracking, and API-first control-without needing to integrate with banks or become a licensed MSB.

User-Access
Real-Time Settlements with RTP
Instantly move funds within the U.S. using RTP-no waiting, no cutoff times.
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Reduced Operational Overhead
Eliminate bank negotiations and manual processes with an all-in-one solution.
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Regulatory Coverage Included
Operate domestically without needing your own MSB
license.
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Unified Dashboard & API
Manage and reconcile all domestic payment flows from a single platform.

Businesses Benefiting from Cybrid's Domestic Payment Rails

Network-Accounts
B2B platforms operating in the U.S. and Canada
Cybrid provides real-time RTP and same-day ACH rails for platforms facilitating domestic transactions. Initiate, track, and reconcile payments without the need for direct bank integrations or multiple vendor contracts.
Users-Groups
Fintechs needing embedded money movement
Launch ACH, Wire, or RTP capabilities within your app using Cybrid's APIs and prebuilt components. Our platform handles MSB compliance, reporting, and settlement infrastructure so you can focus on UX, not regulatory overhead.
User-Access
Companies managing internal fund flows or AP
For businesses paying invoices, vendors, or moving funds internally, Cybrid consolidates domestic money movement into one platform-reducing reconciliation errors and improving operational control.

Trusted by Businesses For Domestic Payments

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What Our Customers Say?

“Cybrid enabled us to reduce transaction processing time by 50%, improve operational efficiency by 40%, and achieve 3x growth within six months. Their seamless integration with our systems, robust compliance automation for KYC, KYB, and AML checks, and top-tier support allowed us to launch in production within twenty-two days."

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Nagarjuna MalempatiFounder & CEO
"The exceptional support from the Cybrid team has made the entire journey seamless and efficient. They truly understand our business, providing access to more payment rails and helping us achieve a projected 15% month-over-month growth in fund disbursement volumes via RTP. This has significantly reduced friction in our processes and improved the overall experience for our customers."
BEN MEEDER
Ben MeederCofounder & CTO
"We needed a cost-effective partner to launch our stablecoin-powered payments solution on WhatsApp, and Cybrid exceeded our expectations. Their platform offered all the essential features while helping us conserve capital as we scaled. The team was incredibly supportive and adaptable, giving us full confidence in the long-term potential of our partnership. Thanks to Cybrid, we can now accept payments in the US cost-effectively, giving us a significant competitive advantage in the market."
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Rahul ChaudharyFounder & CEO
Q & A

Frequently Asked Questions

We've summarised the most frequently asked questions to help you get started with learning more about Cybrid.

How fast are domestic payments with Cybrid? Cybrid enables real-time payments in the U.S. and Canada via RTP. ACH and wire transfers are also supported, with same-day or next-day settlement depending on bank processing times.
Can I use USDC or USDT for domestic payments? Yes. Cybrid allows you to send domestic payments using USDC or USDT across supported chains, enabling near real-time settlement and reduced fees compared to traditional rails.
Can I access ACH, RTP, and wire transfers through Cybrid? Yes. Cybrid gives you unified access to ACH, wire, and RTP payment rails through a single API and dashboard-no separate integrations or bank contracts needed.
Do I need my own bank relationships for domestic transfers? No. Cybrid provides the banking infrastructure, including FBO accounts and payment licensing, so you can offer domestic payments without managing direct banking relationships.
Is Cybrid compliant with U.S. and Canadian payment regulations? Yes. Cybrid is built to meet compliance standards in both the U.S. and Canada. We provide embedded KYC, KYB, AML monitoring, and MSB licensing coverage so you can operate legally without securing your own license.
Do you support recurring or bulk transfers? Yes. You can automate recurring domestic payouts or initiate bulk transfers using API triggers or from the Cybrid dashboard-perfect for payroll, vendor payments, or disbursements.
Can I reconcile payments across different rails in one place? Cybrid doesn’t include native reconciliation dashboards, but real-time transaction data is available via API.

Power Instant, Compliant Payments Across the U.S. & Canada

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