MAGMA
Embedded programmable
finance for cross-border scale.
Modular infrastructure for crypto-fiat operations across emerging markets. Core banking services live today — full platform launching soon.
Core offering.
Agency Banking
LiveOperate financial services under our partners' licenses. No regulatory overhead, no charter needed. Go live in weeks, not years.
Virtual Accounts & 3PP Access
LiveDedicated virtual IBANs with full third-party payment provider integration. Segregated sub-accounts with real-time visibility.
On & Off Ramp — Best Execution
LiveConvert between fiat and stablecoins at competitive rates. On ramp in, off ramp out — or the reverse. Transparent pricing, instant settlement.
Two ways to
operate.
Run Magma through the operating console or embed it with our API. Same product, two modes — pick whichever fits your stack.
Operating console.
Manage customers, accounts, payouts, and ramps from a fully customizable dashboard. No code required.
See live demo ↓Mode B · APIAPI integration.
RESTful endpoints, webhooks, IBAN lookup, full ops via code. Embed Magma into your platform end-to-end.
wiki.magma.builders ↗Live, navigable instance of the operating console. No login required.
Layered Banking
Funds held in segregated accounts at auditable banking partners. Maximum transparency, fund segregation.
Sub-client Structure
Multi-tenant by design. Manage your funds and your clients' funds — isolated permissions and ledger views per entity.
Operate seamlessly
across crypto and fiat.
Three flows, one programmable layer. All amounts in USD. All chains operate on stablecoins (USDT and USDC).
Fiat payout
Send USD from the customer's Main Bank Account to any recipient bank account, worldwide. Magma routes the right rail per destination.
Off ramp
Sender pays in stablecoin to a single-use deposit address; the recipient receives fiat. The conversion happens automatically inside Magma.
On ramp
A persistent virtual IBAN that auto-converts every incoming fiat deposit into a chosen stablecoin, sent to a wallet. The IBAN never changes.
TRON · Solana · Polygon
USDT · USDC
USD · EUR · GBP
Two ways
to onboard.
Same compliance outcome, different integration depth. Active in 48h either way.
Self-onboarding via secure link.
A KYB / KYC link is sent to the customer's contact email. They upload ID, proof of address, and business documents, then sign the forms — autonomously, in minutes. You only see the outcome.
- No integration work
- Magma-hosted UX, your branding
- Best for distributed end-customers
Programmatic onboarding.
Push the full customer profile through our API — identity, beneficial owners, documents, declarations. Verification runs server-to-server. Embed the flow inside your own product without redirects.
- Full data & document upload via API
- No customer-facing redirect
- Best for embedded / white-label flows
Compliance review by banking partner — up to 48h
On approval: Main USD account provisioned automatically
Real numbers.
Infrastructure already processing at scale.
Volume processed
Active accounts
Avg onboarding
Response time
Fee structure.
Four buckets, applied additively. Variable fees count toward the monthly minimum. Structure only — rates disclosed under NDA.
USD account fees
Percentage on every USD transaction in or out. Plus fixed onboarding KYB / KYC and account management.
% · varies by tierConversion fees
Percentage on every stablecoin ↔ USD conversion. Applied per direction — on-ramp and off-ramp.
% · varies by tierRail pass-through
Per outbound transaction — FedNow, ACH, Wire, SWIFT, on-chain. Fixed per rail used.
fixed per railPlatform fees
Onboarding & setup, monthly access, and an all-inclusive monthly minimum. Variable fees count toward the minimum.
fixedBook a
demo.
Tell us about your use case and we'll set up a 30-minute call. We typically reply within 24 hours.