What is Echlon
Cross-border payments, USDC checking, partner-regulated settlement, and a wallet you control — without needing crypto expertise.
What is Echlon
Echlon is a cross-border financial platform that lets you receive and send payments across multiple currencies, hold your balance in USDC, and manage your money from a single account.
Echlon is a financial technology platform, not a bank — which means the regulated financial activities of your account are handled by our licensed banking partners, while Echlon provides the interface and tools you use every day. Importantly, Echlon cannot access or control your money — your funds are protected and held in your own non-custodial digital wallet, so they remain fully accessible to you at all times.
What you can do with Echlon
Get paid by customers, platforms, and partners in multiple currencies. Funds are converted and settle into your Checking balance automatically.
Pay suppliers, freelancers, and partners in their local currency. Recipients do not need an Echlon account — they receive funds directly to their existing bank account.
Your Checking balance. This is where your USDC balance lives and where you send and receive payments. You can convert and transact in any supported currencies from a single account, while maintaining full ownership of your funds. See Wallet & keys for a deeper look.
Top up your card balance from Checking and spend wherever Visa is accepted.
On the Treasury page, you can move idle funds from Checking to seek returns. You can request a redemption at any time with no penalty, but processing timing is not guaranteed and delays are possible during abnormal market or protocol conditions (see Treasury). Checking does not move into Treasury without your confirmation.
A future area where you will be able to access stocks and other investment products — all from within your Echlon account. More details coming soon.
Who is Echlon for
Echlon is built for people and businesses that move money across borders and are tired of overpaying for it. You do not need any crypto, blockchain, or technical knowledge to use Echlon — it works like any account you're used to.
You earn in one currency and live in another. Moving your paycheck across borders shouldn't cost you 5% every time. With Echlon, you receive payments from clients anywhere and keep more of what you earn.
You pay suppliers in multiple countries and need fast, reliable settlement without the delays and markups of international wires. Echlon lets you pay suppliers directly in their local currency, with clear, upfront rates shown before you confirm.
You sell on global marketplaces and receive revenue in multiple currencies. Echlon consolidates everything into your Checking balance so you can manage payouts, pay suppliers, and reinvest — all from one place.
You work with international clients and distributed teams. Echlon lets you receive client payments and pay contractors across borders without opening accounts in every country.
You need to pay sellers, drivers, hosts, or contractors in multiple countries. Echlon provides the infrastructure to move money to the people who earn it — quickly and at low cost.
Why Echlon
Traditional banks and payment platforms charge 3–8% in fees and FX markups on international transfers. They take days to settle, require separate accounts in each country, and hold your money in their systems. Echlon is different:
- Low-cost FX: An FX spread of less than 0.5% on most corridors
- One account, many currencies: Hold your balance in USDC and send or receive in BRL, MXN, COP, ARS, and more — all from a single account
- Your money is yours: Your funds are held in your own custody at all times — see Wallets & keys for more details.
- No minimums: No minimum deposits, no minimum balances, no minimum transaction amounts. The same tools for everyone
- No crypto knowledge needed: Echlon uses modern financial technology behind the scenes, but everything you see and interact with is standard currencies and familiar banking concepts
If you want to understand the technology behind these benefits, see Blockchain & stablecoins for a deeper look.
Supported corridors
We currently support payment corridors in the United States, the Eurozone (SEPA), Brazil, Mexico, Colombia, and Argentina, with more currencies and regions coming soon.
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.