universa
@UniversaRails

Developer sandbox now open

The fast way to launch fiat-to-USDC rails

Add ACH deposits, hosted KYC, virtual accounts, quote locks, local payouts, and Base USDC settlement without handing provider credentials to every app you ship.

Try the quote

ACH deposits into USDC.

Locked quote
You send exactly USD
Exchange cost included in the rate
Recipient gets

Arrives

Usually within 30 minutes

Total fees

$31.25

Settlement

Base USDC wallet
USA ACH Wire USDC Mexico SPEI Brazil PIX Colombia bank Base settlement
USD MXN BRL COP EUR GBP

One API, many rails

Build the money movement layer once. Let Universa handle the regulated edges.

Create customers, open provider-hosted KYC, issue virtual deposit details, quote every route, attach your markup, and settle approved transfers through institutional LPs and partner banks.

KYC

Customer onboarding

Money movement stays locked until the real end user or business is approved.

ACH

Virtual accounts

Reusable bank details accept fiat deposits and route settlement to USDC or local payout rails.

API

Quote and transfer

Lock rate, partner cost, Universa fee, and tenant markup before the signed transfer is created.

Small business operators reviewing a money movement app at a cafe
Go live corridor by corridor. Start with ACH and USDC, then expand into MXN, BRL, COP, EUR, and GBP as partners approve volume.

Transparent economics

No enterprise sandbox tax.

No $5k/month provider minimum just to validate demand. Test the rails, KYC gates, quotes, transfer signing, and fee model before committing to enterprise contracts.

Sandbox access Monthly minimum Volume gate Fee model Rails
U

Universa

$0 to test

No monthly minimum

No forced enterprise commitment

30 bps Universa base fee plus your configurable markup

ACH, wire, virtual accounts, USDC, and local payout routes

API

Traditional onramp

Custom quote

Often paid plan or sales gate

Volume thresholds unlock better rates

Provider spread plus plan pricing

Coverage depends on region and account approval

PSP

Enterprise PSP

Contract first

$5k/month style minimums can appear before launch

Production access tied to KYB, volume, and risk review

Custom pricing, reserve, and settlement terms

Bank rails first, stablecoin rails by approval

01 / accounts

ACH, wire, and virtual accounts

Create approved customers, issue deposit details, and control where converted funds settle. Use virtual account funding for repeat user deposits instead of one-off manual instructions.

02 / payouts

Local payout routes

Start with the corridors customers ask for first: USD, MXN, BRL, COP, EUR, GBP, and Base USDC settlement behind one quote response.

03 / fees

Your markup, our rails

Universa takes a 30 bps base fee on swaps and transfers. You set the tenant markup above provider costs and show the full fee stack before money moves.

Compliance operations specialists reviewing a customer verification workflow

Risk controls

Developers get keys. End users still get verified.

Production tenants complete KYB or individual review before live access. End users complete KYC where the rail requires it. API keys stay scoped, signed, rate-limited, and tied to an audit trail.

Tenant review KYB before production keys
User gate Funds stay locked until KYC is active
Abuse controls Velocity limits, IP allowlists, scopes, and holds
Read the API model

Coverage in motion

Launch the corridors users already understand.

USD in

ACH, wire, customer onboarding, virtual account funding, and audit records.

MXN out

Quote USD to Mexican pesos, collect fees, and create a signed payout request.

BRL out

Support PIX-style local rails as partner access and customer approvals expand.

COP out

Route Colombian bank payouts through the same quote and transfer contract.

Universa Protocol

A protocol model built around real platform usage.

The Universa Protocol is a Solana-native rewards vault for approved developers that move real platform volume. Public liquidity, developer incentives, and vested team supply stay separated from day one.

View Solana contract on GitHub
01 / supply

10M fixed supply, 50% developer rewards

The launch plan creates 10,000,000 total UNV, puts 4,500,000 into public DBC liquidity, reserves 5,000,000 for a Solana Anchor developer rewards vault, and keeps 500,000 for vested team ownership. There is no separate marketing fund.

Public float4.5M
Developer rewards5M
Team vesting500K
02 / launch

USDC-quoted Solana launch liquidity

Public liquidity is quoted in USDC so pricing, depth, and market activity are easy to follow. The launch float is separate from developer rewards and vested allocations.

03 / developers

Rewards move through an Anchor vault

The vault is a Solana program-owned SPL token account. Epochs have hard caps, each developer can claim once per epoch, and there is no generic admin withdraw path.

04 / access

Eligibility stays off-chain

KYB, risk review, settled USD volume, returns, chargebacks, and fraud signals are checked server-side before Universa signs a reward release.

05 / liquidity

Liquidity designed to stay aligned

The public float and liquidity policy are designed for durable market access, transparent execution, and long-term alignment between developers and network users.

06 / verification

Rewards are inspectable on Solana

Anyone can inspect the program id, config PDA, vault token account, reward epoch accounts, and claim accounts. The no-withdraw story is complete only after upgrade authority is removed.

01 Publish epoch Set a fixed reward cap for a reviewed usage period.
02 Release reward The rewards authority signs a capped Solana transfer.
03 Record claim The claim PDA prevents duplicate developer payouts in the epoch.
04 Verify vault Caps, balances, recipients, volume metadata, and fee metadata stay public.

Built for builders

One contract for onboarding, accounts, quotes, and transfers.

Universa holds institutional partner credentials server-side. Developers use tenant-scoped keys, signed requests, idempotency keys, and explicit scopes.

Quote Transfer 
const quote = await universa.quotes.create({
  customer_id: "cus_9Kz...",
  source: { rail: "ach", currency: "USD", amount: "2500.00" },
  destination: { rail: "spei", currency: "MXN" },
  settlement: { network: "base", asset: "USDC" },
  platform_fee_bps: 20
})