How to send money with stablecoins
Three steps: get stablecoins, swap at the real rate, and cash out locally. Local rails such as PayNow, DuitNow, Pix, UPI and SEPA land the money in a bank account in the recipient's currency.
Do I need to understand crypto? No. If you can use a banking app, you can use a wallet. You're holding digital versions of real currencies, not trading volatile tokens.
What does it actually cost? About 0.14% on Sera: the real market spread, earned by the liquidity provider who fills your swap, versus the 3–7% hidden in a bank or remittance rate. No platform fee.
How fast does it arrive? The swap settles on-chain in seconds. Local cash-out rails (PayNow, DuitNow, Pix, UPI, SEPA) land it in a bank account in the recipient's currency.