🇺🇸USD to 🇵🇭PHP
Filipino OFW remittances are >$36B/year. The market is dominated by remitters charging 4–7% all-in; Sera's settlement layer compresses that to <1% effective spread.
Indicative figures from trailing 30-day flow. Not a guarantee of returns. See full disclaimer below.
How a USD → PHP payment moves through Sera.
USD via ACH → USDC → routed against PHP liquidity → PHP via InstaPay or PESONet to bank account or e-wallet (GCash/Maya).
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-timeInstaPay
- Same-dayPESONet
- OFW remittance
- BPO payroll
- GCash/Maya top-ups
You earn the FX spread on every USD/PHP swap.
Deposit USDC or USDC (or any major stablecoin, Virtual Liquidity does the conversion) and you start collecting 9 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/PHPPHP central bank caps daily inbound; BSP licensed partners required. LP exposure is naturally split across many small tickets.
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.