---
title: "Cross-border payments — Tempo Solutions"
description: "Tempo powers sub-second stablecoin transfers with sub-cent network fees, while ramp partners handle pay-ins and payouts in local currency."
path: "/solutions/cross-border-payments/"
template: "solutions"
image: "/cards/solutions-cross-border-payments.webp"
---

Tempo powers sub-second stablecoin transfers with sub-cent fees, while ramp partners handle pay-ins and payouts in local currency.

### Stop settlement delays

Move value between payment partners 24/7, including weekends and holidays.

### Reach 100+ markets

Connect to local payment providers in the markets you want to serve.

### Lower settlement costs

Use stablecoins to reduce the number of intermediaries involved in moving money.

### Connect to local ramp partners

Work with supported providers for funding, currency conversion, and delivery to local accounts or wallets.

### Simplify reconciliation with transfer memos

Use transfer memos to attach invoice or payout references, so your team can reconcile against internal records.

### Protect sensitive payouts with Tempo Zones

Keep your customers’ salary amounts, balances, and payment activity inside your Zone out of public view.

ARQ, which serves 2+ million customers across Mexico, Colombia, Argentina, and Brazil, is using Tempo to improve settlement speed and costs.

### Can recipients receive local currency from a stablecoin cross-border payment?

Yes. Recipients can receive local currency without holding stablecoins. A ramp partner converts the stablecoin payment and delivers funds to a bank account or another supported destination. The partner must support the destination country, currency, and recipient type.

### How long do cross-border stablecoin payments take to settle on Tempo?

The onchain payment settles near-instantly on Tempo, 24/7. Final delivery to a recipient’s bank account also depends on funding, screening, currency conversion, and local payment rails. Use Tempo’s funding and payout guide to assess delivery times for the complete payment flow.

### How much does a cross-border stablecoin payment cost on Tempo?

Stablecoin transfers on Tempo have sub-cent network fees. Total payment costs may also include funding, currency conversion, liquidity, bridging, and payout fees. Review cross-border payments on Tempo and the funding and payout guide to evaluate the full cost of your route.

### Which countries and currencies does Tempo support for cross-border payments?

Tempo enables cross-border payments through a global network of payment partners, with 95 currencies available through ramp partners. Tempo Routes connects stablecoins, networks, and bank accounts through a single API. Contact Tempo to confirm coverage for your specific countries, currencies, and payment flow.

### Can stablecoin settlement reduce prefunding for cross-border payments?

Yes. Near-instant stablecoin settlement on Tempo can shorten the time funds spend moving between counterparties and support more flexible funding. The amount of prefunding you can reduce depends on FX liquidity, payout-provider requirements, and settlement agreements.

Work with Tempo to evaluate settlement costs, liquidity needs, and payout partners.