On & off ramps

How each receive and send uses on-ramps and off-ramps between bank money and stablecoins — without you touching crypto workflows.

On & off ramps

This page explains what's happening behind the scenes. You don't need to understand this to use Echlon — but if you're curious, here's how it works.

How regular currency — dollars, reais, pesos — moves in and out of the blockchain and why it matters for how Echlon moves your money.

What are on/off ramps?

An on-ramp converts regular currency (USD, BRL, MXN, etc.) into stablecoins on the blockchain. An off-ramp does the reverse — converting stablecoins back into local currencies.

Echlon uses on/off ramps behind the scenes every time you send or receive a payment. You interact with normal bank transfers — the blockchain handles everything in between.

How it works

On-ramp (receiving money)

  1. Your sender sends regular currency via local corridors (ACH — USD, PIX — BRL, SPEI — Mexico, etc.).
  2. The local currency is received by a licensed partner and converted to USDC (a dollar-backed stablecoin).
  3. USDC is deposited into your Echlon non-custodial wallet.
  4. Your dashboard shows your USDC balance — you can use this for Cards, Treasury, send/receive payments.
  5. See Receiving payments for more details.

Off-ramp (sending money)

  1. You initiate a payment from your dashboard.
  2. USDC moves from your wallet to the off-ramp partner.
  3. The partner converts USDC to the destination currency at the quoted FX rate.
  4. Local currency is deposited into the recipient's bank account.
  5. See Sending payments for more details.

For more details on fees, see Fees & limits.

Why stablecoins for the infrastructure?

  • Speed — transactions settle on-chain in seconds, compared to 2–5 days through traditional international wire transfers. See Settlement & conversion.
  • Cost — Clear, upfront pricing: you see Echlon’s fees before you confirm. Depending on the corridor and payment rail, partner or network charges may also apply, and these are reflected in the quote.
  • Transparency — Every transaction has a verifiable record, so there's nothing hidden about how your money moves.

Stablecoin partners

Echlon uses USDC (issued by Circle) as its primary settlement stablecoin. USDC is fully backed by US dollar cash reserves and US Treasuries, audited monthly by an independent firm. See Blockchain & stablecoins for details on reserve backing and risks.

Do I need to manage stablecoins myself?

No. On/off ramp conversion happens automatically. You send and receive in local currencies. The blockchain layer runs entirely in the background — you'll never need to interact with it unless you want to.

Still need help?

Have a question that isn't answered here? See our support channels, message us on WhatsApp at +1 (787) 468-5842, or open a support ticket — we typically respond within 24 hours.

Questions? [email protected]

Echlon is operated by Echlon Ltd.

Echlon is a financial technology company, not a bank. Banking services, including currency conversion and settlement, are provided by licensed partners. Echlon does not hold or custody user funds.

Yield figures (e.g. "up to 6.5% APY") are illustrative and not guaranteed. Actual rates may vary and are subject to change without notice. Past performance is not indicative of future results. Treasury products may involve technology risk, including smart contract risk. Only allocate funds you can afford to expose to these risks.

FX rates, transfer times, and fee estimates displayed on this site are representative and may vary by corridor, payment rail, and transaction size. Actual rates and settlement times are confirmed before each transaction. "Same day" settlement is available on select corridors and rails and is not guaranteed for all transfers.

Services may not be available in all jurisdictions. Account approval is subject to identity verification and compliance review. See our risk disclosure and terms of service for full details.