🇺🇸USD to 🇮🇳INR
US-India is a top-3 global remittance corridor (>$23B annually). Even a 10–20 bps improvement vs. incumbents creates meaningful demand for routed liquidity.
Indicative figures from trailing 30-day flow. Not a guarantee of returns. See full disclaimer below.
How a USD → INR payment moves through Sera.
USD via ACH/FedNow → USDC → SOR routes USDC to INR liquidity → INR via UPI to recipient's UPI ID or bank account.
Real-time on both sides.
Sera plugs into the local instant-payment networks on both ends so the flow stays settled in seconds, not days.
- Real-timeFedNow24/7/365
- Same-dayACHSame-day & next-day
- WireFedwire
- Real-timeUPIMobile-first, ubiquitous
- Real-timeIMPS
- NRI family remittance
- Freelancer payouts
- B2B IT services
You earn the FX spread on every USD/INR swap.
Deposit USDC or USDC (or any major stablecoin, Virtual Liquidity does the conversion) and you start collecting 7 bps fees on routed volume in proportion to your share of the pool. 80% of the swap fee accrues to LPs; 15% to protocol; 5% to safety reserve.
Deploy Liquidity → USD/INRRBI cross-border rules are evolving; Sera maintains licensed payout partners in India. UPI rate-limits per recipient at ₹1L/day; LPs see naturally bounded ticket sizes.
Indicative APY shown is illustrative only and based on trailing 30-day flow. Yields are not guaranteed and may be lower or zero. Liquidity provision involves risk including loss of principal, smart-contract risk, oracle risk, and adverse FX movement. Not investment advice.