Bringing stablecoins to every bank account in America

When we got started, we talked a lot about bringing the best of CeFi and DeFi together. Not bridging them, but combining them. You even find this littered across the website and various talking points over the years.

The idea though, is very simply that stablecoins and protocols are emerging into the better tool for various jobs, maybe even the better tool for navigating between traditional payment rails.

Partnering with the leaders in bank payment infrastructure

We've developed a series of deep partnerships with a group of bank and non-bank providers, bringing the power of bank transfers into the Brale API. The Brale API now has complete US bank account coverage for credits, debits, and on-chain transfers, including 20+ blockchains and 40+ stablecoins.

Limitless variations to program

Massive complexity, simple use

Our API design focused on the variations of ValueTypes and TransferTypes means that you can now designate onchain and offchain routes extremely quickly. Using our API, both onchain and offchain transfers are a transferype designation and the complexity of how the exchange occurs to get to another transfertype or valuetype (stablecoin or fiat) is just a change in the API instructions.

Debit a Bank Account and Payout in SBC

{
  "amount": {
    "value": "100",
    "currency": "USD"
  },
  "source": {
    "value_type": "USD",
    "transfer_type": "ach-debit",
    "address_id": "2SkxdKmkrEYWRN6Ym7If0tvmlsl"
  },
  "destination": {
    "value_type": "SBC",
    "transfer_type": "solana",
    "address_id": "2SCjTiaBauExjixLdQiLhZBXKKg"
  },
  "brand": {
    "account_id": "aB3hJkL9mN2PqRsTuvWxyz1234"
  }
}

Redeem a Brale issued stablecoin to a bank account via ACH

{
  "amount": {
    "value": "1000",
    "currency": "USD"
  },
  "source": {
    "value_type": "SBC",
    "transfer_type": "solana",
    "address_id": "2SCjTiaBauExjixLdQiLhZBXKKg"
  },
  "destination": {
    "value_type": "USD",
    "transfer_type": "ach-credit",
    "financial_institution_id": "3YkVCdKUkrEYWRN6BmJIf0t"
  }
}

Embedded finance and third party payments

Through a partnership with Plaid and support for the processor token, authorizations can securely pass between your applications and a series of providers. Our integration with Plaid makes it easy for developers to embed Brale's API alongside existing best-in-class providers that already leverage the Plaid processor token.

Debit

Business authorizes Bank Account with Plaid

ACH Debit initiated via the API

Receiver gets USDC on Solana

Third Party Payout

Business holds stablecoin balance

ACH Credit initiated via the API

Receiver gets USD via ACH

Introducing preferred routes

Preferred routes combine the benefits of blockchain routing logic that actually meaningfully disrupts the economics and costs of routing your transactions through Brale API, even if they flow to traditional downline bank and non-bank providers. Preferred routes are made possible in partnership with our friends at Solana (public transactions) and our friends at Canton (private transactions).

Preferred routes do require an additional agreement in addition to the click through terms. To discuss those please set a time to speak with our team.

All payment variations just work with your stablecoin or anyone else's

If you're using Brale to leverage the power of Paxos or Circle issued assets, these new APIs just work with their assets as well. If you create your own stablecoin, that stablecoin will instantly be available in the API and compatible with every other stablecoin listed at Brale and instantly compatible with every bank account in America.

An enormous benefit to building with Brale is that when you deploy your stablecoin with us, it's instantly provisioned with onramps, offramps, pricing, an API, and reporting to match. Every time we bring a new blockchain online, it is also instantly available to you in the API and dashboard to make use of.

Stablecoins are for everyone, and now everyone creating new ones with Brale has instant compatibility with every bank account in America.