Convert company funds to USDC and back, with the fee known first.
Fundflow · API and dashboard
Fundflow turns your company’s own USD, EUR or GBP into stablecoins, and stablecoins back into your bank account. Each conversion is one ramp request: you calculate the fee before you create it, a payment reference matches your bank transfer to it, and your finance team follows the same request in the dashboard.
Talk to us
Read the Fundflow guide
Fundflow moves your company’s own money; Finance API gives accounts to your customers.
Accounts for your own customers with the Finance API
Jonas’s month end
The day Jonas converts the month’s euros for a supplier who bills in USDC.
Jonas Meijer is finance manager at a furniture maker in Rotterdam. Customer payments arrive in euros. The supplier of its aluminium chair frames invoices in USDC.
Month end
Month end: euros in the bank, an invoice in USDC
EUR 18,400.00 from customer payments sits in the company’s EUR account. The frame supplier’s invoice is due in USDC. Jonas wants one conversion he can account for, with its cost known before any money moves.
Fee
The fee, before the request exists
His team asks Fundflow what an on-ramp of EUR 18,400.00 will cost. The fee calculation returns an amount and a percentage for that amount and direction. Fees are set per company and can include volume tiers, so the answer comes from the company’s own configuration.
The fee calculation in the API reference
Request
One ramp request, with its own payment reference
They create an on-ramp request from EUR to USDC, paid into the company wallet on Ethereum. It starts in AWAITING_APPROVAL and carries an auto-generated payment reference, PAY-2026-004817. Until it is approved, the amount can still be edited or the request cancelled.
The Fundflow integration steps
Funds
Approved, then paid by SEPA with the reference
Once an admin approves it, the request moves to AWAITING_FUNDS and returns the deposit account for the transfer. Jonas’s bank sends EUR 18,400.00 by SEPA with PAY-2026-004817 as the payment reference, which is how the transfer is matched to this request.
USDC
Converted and credited to the company wallet
When the payment is received, the request moves to PROCESSING. The fee comes off the euros first, the remaining EUR 18,216.00 converts at the current exchange rate, which the request records, and 19,764.36 USDC reaches the company wallet. The request reads SUCCEEDED with its transaction hash, and the team pays the supplier from that wallet.
And back
Two weeks later: USDC back into euros
A customer in the US pays an order in USDC. Jonas creates an off-ramp request for 6,480.00 USDC to the company’s EUR account. After approval, his team sends the USDC to the deposit wallet on the request and adds the transaction hash. Once the transfer confirms on the blockchain, EUR 5,908.40 arrives in the company account.
Timing depends on the rail and the checks each payment needs.
The requests, statuses and fields in this story come from the Fundflow API reference.
Read the Fundflow transactions guide
The request, twice
The same ramp request in the API and in the dashboard
Jonas’s engineer reads the request from the API. Jonas opens it in the dashboard. Both show the same reference, status, fee and amounts, because both read the same ramp request.
Field names follow the Fundflow API reference.
Fees
What a conversion costs, before you create it
Fundflow fees are set per company and can include volume tiers. The fee calculation returns the amount and percentage for a given amount and direction, and your fee configuration lists your tiers. Every ramp request then carries its own breakdown.
On-ramp.
The fee is deducted from the fiat amount before conversion.
Off-ramp.
The fee is deducted from the stablecoin amount before conversion.
On every request.
Fiat amount, fee amount, fee percentage, net fiat amount, exchange rate and stablecoin amount.
Rates are commercial terms agreed per contract, so the calculation always reads your own configuration.
How conversion fees are quoted
From the dashboard
Your finance team works on the same requests without writing code
The Fundflow dashboard is the interface for teams that convert by hand. It works on the same ramp requests, accounts and fees as the API, so your finance team sees exactly what the code created.
Create on-ramp and off-ramp requests
Choose the direction and currency pair, enter the amount and see the fee before you submit.
Manage bank accounts and wallets
Add company bank accounts and wallets and follow their verification. Bank accounts are reviewed before first use, and a wallet proves ownership with a small transfer.
Follow every request
Find requests by status, direction, date or payment reference, and open the event history of each one.
Export for accounting
Export ramp requests to CSV or Excel with each request’s amounts, fee and exchange rate.
Many teams use both: the API for conversions their systems trigger, the dashboard for the finance team’s own requests and review.
How roles, approvals and the audit trail work
What Fundflow converts
Bank money in, stablecoins out, and back again
USD, EUR and GBP into stablecoins
Supported
From company bank accounts on the rails enabled for your company, such as ACH, wire, SEPA and Faster Payments, into stablecoins such as USDC and EURC. The pairs open to your company come from the API.
Stablecoins back to your bank account
Supported
An off-ramp request pays out to a verified company bank account.
Card, Apple Pay and Google Pay purchases
Being added
Let end users buy stablecoins with a card, Apple Pay or Google Pay inside your app.
Stablecoin swaps
Being added
Swap one stablecoin for another, across chains, from the same account.
Local-currency collections
Being added
Collect local currency in supported African markets through bank transfer or mobile money, and settle to a stablecoin balance.
Rows marked being added are not live yet. We confirm each one for your company and your markets before you plan a conversion on it.
Stablecoin settlement for PSPs
Fundflow in practice
How is Fundflow different from the Finance API?
Fundflow converts your company’s own balances, between your bank account and your company wallet. The Finance API gives accounts to your customers inside your product.
What does a conversion cost?
Your fee is configured per company and can include volume tiers. Calculate it for any amount and direction before you create a request; the request then records the fee amount, the percentage and the exchange rate used. Pricing is quoted per contract.
What if our bank transfer arrives without the payment reference?
The reference is how a transfer is matched to its ramp request, so always include it. Without it, the request stays in AWAITING_FUNDS until the payment is matched; contact Venly with the transfer details.
Can we change or cancel a request?
While a request is in AWAITING_APPROVAL, its amount can be edited, the requester can cancel it and an admin can reject it. Once it is approved and in AWAITING_FUNDS it can no longer be cancelled, so check the details before approving.
What do we need before the first conversion?
A company that has passed KYB verification, plus a company bank account and wallet that are verified. Bank accounts are reviewed by Venly; a wallet proves ownership by sending 1 USDC to a deposit address.
How long does a conversion take?
Timing depends on the rail and the checks each payment needs. An off-ramp also waits for the blockchain transfer to confirm. Read the request back to follow its status.
Can our systems create requests automatically?
Yes. The same ramp requests are available through the REST API with OAuth2 client credentials, in the sandbox and in production. Updates carry a version number, so a request someone else changed returns a conflict instead of being overwritten.
Related
Accounts for your customers with the Finance API
Paying recipients in other countries
Treasury management for company balances
Plan your first conversion with us
Bring one conversion you run today: the currencies, the amount and who approves it. We map it to a ramp request, its fee and the accounts it needs.
Talk to us
Read the Fundflow guide
What Jonas knows before he converts
The fee is calculated before the request exists. You calculate the fee for the amount and direction first; the request then records the fee amount, the percentage and the exchange rate used. Ramp requests need a company whose KYB status is VERIFIED.
SOC 2 Type 2 certified. Our own licences are in flight and flows run on licensed partner rails today.