Swap at the rate banks keep for themselves.
Every swap pays the community that makes FX fair — not a middleman. And you can be one of them.
Wherever you are, you're paying the middleman.
If you've ever tapped a card abroad, invoiced across a border, or sent money home, you've paid a spread you never agreed to.
Every tap abroad carries a ~3% card markup you never see itemised — priced into the rate itself.
The freelancer invoices overseas and loses a cut to platform FX before a dollar lands.
The "zero-fee" transfer is priced 2% off the real rate. The fee didn't vanish — it hid.
A business pays across three currencies — and gets taxed by the spread on every hop through USD.
Wages sent home lose up to 6% every month — from the people who can least afford it.
Savings melt in a currency with two rates — the official one, and the one you can actually get.
One fix, for everyone: the real rate. The spread a middleman used to pocket now flows to the community — the LPs, evangelists, and builders behind every swap. That's who you're paying now. And you can be one of them.
Build on it. It's open at the edges.
The matching engine is our craft — but everything you build against it is open. The payment rails, the agent MCP, and the templates to build on them live on GitHub: auditable, forkable, and yours to extend.
Settlement MCP for AI agents — 32 tools over Sera's stablecoin FX rails.
github.com/sera-cx/sera-mcp →Agent templates, a bundled CLI, and a working x402 service on the MCP.
github.com/sera-cx/sera-agents →Payment rails — accept and settle in any of 120+ currency stablecoins.
github.com/sera-cx/sera-pay →The full rates engine institutions pay millions for — open-sourcing next.
Watch the org →Open KYC · KYB · KYT · KYA data sources — a free, community-built compliance layer.
Watch the org →Spend your stablecoins anywhere.
The Sera Stablecoin Card. Real-time FX conversion at point-of-sale, powered by the same settlement engine that clears the book.
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Multi-currency