How liquidity earns on Sera.
Three steps. No emissions. No farming. Just FX spread.
Deposit
Deposit any supported stablecoin, USDC, EURC, XSGD, BRLA, and 600+ more. Non-custodial. Withdraw anytime.
Your liquidity serves real FX flow
Remittance apps, B2B payment corridors, and fintech settlement routes all route through your book via Smart Order Routing.
Earn, compounded into your position
Spread yield accrues block-by-block. Transparent on-chain accounting. No lockup. Sera takes 0 fees.
The real lever is capital efficiency.
Because one deposit serves every pair, the same dollar fills order after order. In the first weeks on mainnet every deposited dollar already traded roughly three times. The architecture is built to push that far higher: filled volume divided by capital base is how many times your money worked.
Sera earns a thin routing spread on top of LP-quoted prices to operate the protocol. No swap fees, no platform fees, no lockup. Yield accrues on filled volume, never on deposits, because deposits can be wash-cycled and filling a real order is the thing that earns. Every maker sees their own capital base, filled volume, capital efficiency, realized profit, return on capital, and APY live in the dashboard.
Every swap on Sera comes from real economic flow , not speculation.
Sera is the settlement layer beneath cross-border remittance apps, B2B payment networks, and stablecoin-native fintechs. LPs earn the FX spread on every transaction that routes through their liquidity. No emissions. No farming. Just FX spread.
Cross-border remittances
Workers sending money home route through local-currency stablecoins. Every conversion pays LPs.
B2B import / export
Importers and exporters settle invoices in minutes, not days. High-ticket flows, steady yield.
Stablecoin payments
Fintechs and PSPs use Sera as settlement rails. Consumer payments, merchant payouts, treasury ops.
Payroll & salary disbursement
Multinational employers pay remote teams in local currencies. Recurring, predictable flows.
Non-USD direct pairs
Emerging market corridors: direct GBP ↔ MXN, JPY ↔ SGD, etc. Reduce conversion hops.
Mispricing arbitrage
Rate discrepancies across venues create instant, risk-free yield for alert LPs.
Where the spread is, right now.
Indicative annualized yield from real flows over the trailing 30 days, by corridor. These figures are illustrative and reflect spread captured per corridor. Your live APY is computed from your own filled volume in the dashboard.
Indicative APYs shown above are derived from activity over the trailing 30 days and are presented for illustrative purposes only. Actual yields depend on swap volume, pool utilization, the size and concentration of your liquidity contribution, and prevailing FX market conditions. Yields are not guaranteed, may be lower or zero, and can fluctuate materially over short timeframes. Liquidity provision involves risk including loss of principal, smart-contract risk, oracle risk, and adverse FX movement. This page is not investment advice, not a solicitation, and not an offer to sell securities. Sera Protocol is non-custodial; deposits remain under user control. Review the documentation, audit reports, and risk parameters before deploying capital.
Spread from real flow — real people, real transactions.
A developer in Malaysia is paid in stablecoins by a company in Singapore. At month's end she needs ringgit for rent, for food, for her family. That conversion happens whether or not any token price moves.
Farmed yield decays the day rewards run dry. Sera's spread is captured from conversions people make out of necessity, so it recurs with the flow, concentrated exactly where Sera is built to operate first.
The legacy FX stack, rewritten.
Traditional FX was built for banks clearing billion-dollar blocks. Sera rebuilds those rails for liquidity providers, removing the intermediaries that used to skim the spread.
The same trade, priced three ways.
Today, customers pay 2–50%+ to participate in a market that should cost basis points. Mainstream consumer rails and SWIFT settle around 3–7%; exotic corridors and edge currencies routinely climb far higher. Below: three real-world lanes, same dollar in, same destination — the middle column is what each legacy rail charges today; the green column is what Sera charges.
Bank-grade fiat in. Local payout everywhere.
Sera bridges on-chain stablecoin FX with the world's instant-payment rails, natively. One integration, local-currency settlement across 100+ jurisdictions.
Accept fiat via the rail your user already uses.
- Dedicated IBANs
- Virtual account numbers
- QR codes
- Mobile-money handles
Real-time FX across the deepest stablecoin pools.
- Auto-convert at spot rates
- Smart routing, best execution
- Atomic, auditable, 24/7
- Peg-matched to payout currency
Deliver local currency on local rails, instantly.
- Bank accounts
- Mobile wallets
- Mobile-money
- QR payments
Coverage
- SingaporePayNow · SGD
- MalaysiaDuitNow · MYR
- ThailandPromptPay · THB
- IndonesiaQRIS · IDR
- PhilippinesInstaPay · PHP
- IndiaUPI · INR
- JapanZengin · JPY
- AustraliaPayID / NPP · AUD
- + more via partners
- EUSEPA Instant · EUR
- United KingdomFPS · GBP
- SwitzerlandSIC / Twint · CHF
- GermanySEPA Instant · EUR
- FranceSEPA Instant · EUR
- SwedenSwish · SEK
- TurkeyFAST · TRY
- PolandBLIK · PLN
- + more via partners
- USAFedNow / ACH · USD
- CanadaInterac · CAD
- MexicoSPEI · MXN
- BrazilPix · BRL
- ArgentinaTransfers 3.0 · ARS
- ChileTEF / Webpay · CLP
- ColombiaPSE · COP
- El SalvadorBank transfer · USD
- + more via partners
- UAEAani · AED
- Saudi Arabiasarie / IPS · SAR
- EgyptInstaPay EG · EGP
- South AfricaPayShap · ZAR
- NigeriaNIP · NGN
- KenyaM-Pesa · KES
- MoroccoBank transfer · MAD
- GhanaMobile money · GHS
- + more via partners
Supported stablecoins
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.
Multi-currencyWhat people ask about Sera.
What is Sera Protocol?
Sera is an on-chain FX settlement protocol for multi-currency stablecoins. It routes between 600+ stablecoins across 120+ currencies with sub-300ms quote latency, atomically settles on-chain, and charges no protocol fee — liquidity providers earn the FX spread.
How is Sera different from Bridge, BVNK, or Circle CCTP?
Bridge and BVNK are custodial orchestration platforms; CCTP is Circle's burn-and-mint USDC bridge across chains. Sera is a non-custodial settlement protocol that swaps any supported stablecoin for any other in a single atomic on-chain transaction, without forcing flow through USD twice.
Does Sera charge fees?
No protocol fee. LPs capture the FX spread on each routed transaction (typically 5–40 bps depending on corridor). Callers pay only on-chain gas (~$0.01–$0.50 on L2s). Compare to legacy rails at 100–700 bps total cost.
How do I earn yield on Sera?
Deposit any supported stablecoin once. Sera's virtual liquidity model quotes your deposit against all 30,000+ pair combinations — no per-pair pre-funding. You earn the FX spread on every transaction routed through your position. Yield comes from real payment volume, not emissions.
Is Sera safe?
Sera is non-custodial — funds remain in the caller's wallet until they sign the settlement transaction. The protocol is audited by CertiK. Swaps settle atomically: either both legs complete or the entire transaction reverts. No counterparty risk.
Can AI agents use Sera?
Yes. Sera exposes an MCP server and OpenAPI 3 spec at agents.sera.cx. Agents can quote, build settlement transactions, and read corridor liquidity programmatically. The caller's wallet signs — Sera never takes custody.
Earn on the FX engine for stablecoins.
100+ jurisdictions routable via partner rails. LP-seeded corridors live on mainnet now, every spread you deploy against flows directly to you.