Put your users on a real FX rate
Sera is an order book for currency-backed stablecoins, not an automated market maker. More than 40 currencies sit on one book, any pair settles directly with no detour through the US dollar, on-chain, in seconds, for about 0.14 per cent.
E-wallets and neobanks. Whoever owns the balance screen and the top-up flow. Today: Users hold one currency and are quoted a marked-up rate the moment they need another, usually through a bank partner whose spread you cannot see or control. On Sera: Hold balances in several currency-backed stablecoins and swap between them on an open order book, at a rate your users can check against the market rather than take on trust.
Remittance apps and money transfer. Whoever owns the corridor margin and the payout partners. Today: A corridor costs 3 to 7 per cent through correspondent banks, up to 10 on the weakest currencies, and nothing moves at the weekend. On Sera: Settle the exchange leg on-chain, stablecoin to stablecoin, in seconds, including at the weekend. The corridor stops depending on who you can reach by telephone on a Sunday.
Payment processors and acquirers. Whoever prices cross-border settlement for merchants. Today: A merchant sells in one currency and settles in another, and the FX leg is priced once a day by somebody else, with the spread buried in the statement. On Sera: Quote the FX leg from a live book your merchant can audit, settle it the same hour, and keep the margin you choose to keep rather than the one left over.
Marketplaces and payout platforms. Whoever pays sellers, drivers, creators or contractors abroad. Today: Paying a thousand people in nine countries means nine banking relationships, nine cut-off times and a reconciliation file nobody enjoys. On Sera: One balance, nine currencies out, each one settled on-chain and traceable to the payout it belongs to. The reconciliation is the chain.
Agents and automated treasury. Whoever is building software that has to hold and move money itself. Today: An agent that needs to pay in another currency has to go through a human-shaped banking API, with human-shaped hours and approvals. On Sera: The book is reachable from code, with an MCP server and templates already published, so an agent can settle a currency pair without a person in the loop.
The SeraPay SDK, for a product team that wants send and accept working this quarter. Send and accept stablecoin FX from your own application, without writing against the contracts yourself.
The order book contracts, for a team that wants to settle on-chain directly, with no intermediary at all. The on-chain order book and settlement contracts the whole thing runs on, readable and callable by anyone.
Agents and MCP, for anyone putting software, rather than a person, in charge of the money. A multi-currency settlement MCP server with 32 tools over the same rails, plus agent templates and a working x402 service.
The documentation, for whoever has to decide whether this is real before anyone writes code. How the book works, what settles where, and what an integration actually involves.
Members: bringing a local payment business onto the book is the second job of carrying a chapter's flag. The page has the first message to send, written in your own country's terms.