Live rates
USDC → EURC0.9214 +0.18%
USDC → XSGD1.3408 -0.04%
USDC → BRLA4.9721 +0.42%
XSGD → TGBP0.5812 +0.15%
USDC → EURC0.9214 +0.18%
USDC → BRLA4.9721 +0.42%
USDC → XSGD1.3408 -0.04%
EURC → GBPA0.8403 -0.22%
USDC → MXNB19.94 +0.31%
USDC → KRWO1,384 -0.07%
USDC → JPYC152.41 +0.14%
USDC → NZDD1.6720 -0.08%
USDC → CCHF0.8812 +0.05%
USDC → CADC1.3712 -0.12%
USDC → EURC0.9214 +0.18%
USDC → XSGD1.3408 -0.04%
USDC → BRLA4.9721 +0.42%
XSGD → TGBP0.5812 +0.15%
USDC → EURC0.9214 +0.18%
USDC → BRLA4.9721 +0.42%
USDC → XSGD1.3408 -0.04%
EURC → GBPA0.8403 -0.22%
USDC → MXNB19.94 +0.31%
USDC → KRWO1,384 -0.07%
USDC → JPYC152.41 +0.14%
USDC → NZDD1.6720 -0.08%
USDC → CCHF0.8812 +0.05%
USDC → CADC1.3712 -0.12%

Earn every time your money is used.

Think of it like a money changer. Deposit any stablecoin (e.g. TGBP). That single deposit quotes against 20+ currencies of your choice, e.g. xSGD, JPYC, USDT, USDC, etc. Your capital never sits idle. You earn the spread on every transaction that flows through your rates, across every pair.

Stablecoins
40+
supported
Deposits
$1.81M
in Sera Protocol
Yield
8.2%
APY
Virtual Liquidity Mechanics
TGBPxSGDIDRTJPYCPHPCBRLAEURAU
0
Matched
0
Unmatched
$0.00
Earned
How you make money

One deposit. Every corridor.

A traditional money changer holds one currency and quotes against many. Sera works the same way, at protocol scale. Your deposit earns spreads on every swap that routes through it, but your exposure stays inside the pairs you explicitly market-make against. Multi-hop swaps execute atomically; you keep only the currencies you set rates for.

100KUSDC
Earned this session
0.000USDC
at this pace ~ 25% APY · accruing in real time
Swaps through your liquidity
LIVE
Atomic settlementzoomed in
MXNB100kUSDCJPYC

A trader's MXNB → JPYC swap routes through your USDC pool. Both legs settle atomically. You keep USDC and earn +0.073.

You only hold currencies you set rates for.

How You Earn

  • You provide bi-directional buy/sell rates for currency pairs
  • +
    You earn the spread between your rates on every swap
  • Deploy once, earn across every supported pair simultaneously
  • No lock-ups, no slippage, withdraw anytime
  • Yield compounds across all corridors your liquidity touches

Real Example

Your deposit100k USDC
Your BRLA ratesspread 0.010
Buy
0.175
0.010
Sell
0.185
Swaps through your liquidity
Earned this session
0.000USDC
At this pace
~25% APY
Choose your strategy

Matched or unmatched. Your call.

Two ways to deploy. Lock the spread on a single pair as guaranteed profit per swap, or spread your capital across corridors for blended yield. Switch any time.

Strategy A

Matched pair

Deposit both sides of a pair. Quote a bid and an ask. Capture the spread on every swap, in either direction.

ask 0.201bid 0.196USDCBRLA
Best for: Risk-averse LPs. Spread is locked, every round trip is profit.
Spread captured
2.5% / round trip
Impermanent loss
0.0%
Strategy B

Unmatched deployment

Park capital on one side, quote against many destinations. Sera routes flow through any corridor you quoted, but you only hold the currencies you set rates for.

USDCBRLAMXNBIDRTJPYC+0.21%+0.18%+0.24%+0.16%
Best for: Capital-efficient LPs who want exposure to many corridors at once.
Yield (blended)
~ 0.20% / swap
Active corridors
all supported
Capital efficiency

Same capital. 100× the surface.

Pooled AMMs lock your deposit in a single pair. Sera indexes every LP balance into a unified ledger and synthesizes quotes against every supported corridor on demand. Same 100K USDC. Different productivity.

Traditional AMM

Capital locked in one pool

Deposit USDC/BRLA. Other corridors are inaccessible.

Active pairs
1of 12 shown
Capital utilization
~8%
Sera virtual liquidity

One deposit, every corridor

Same capital, synthesized across every supported pair.

Active pairs
30,000+
Capital utilization
100%
12 pairs shown above are illustrative · Sera quotes against 30,000+ on-chain
Risk management

Understand the risks. Manage your exposure.

Three risk surfaces, each with explicit mitigation. Spread is locked when you set it, smart contracts have an escape hatch, and price feeds have a circuit breaker.

spotDEX AMM (IL exposure)Sera (matched pair)valuetime →

Impermanent loss

You set your own quotes, so price moves in the underlying don't drag your position. Matched pairs lock the spread; unmatched deployments park capital at your stated rate. No price-driven loss in either case.

CertiKauditeddiff perupgradeescapehatch

Smart contract

Audited by CertiK with differential audits on every upgrade. An emergencyWithdraw() escape hatch lets you recover funds on-chain even if servers fail.

<2% deviation bandcircuit breakertime →

Oracle

Monitoring tracks deviations, LP skew, and gas anomalies. Circuit breakers halt trading if price feeds deviate >2%, and on-call paging fires within 30 seconds.

Compliance & custody

Non-custodial. Your keys, your funds.

Sera never holds your funds. Your stablecoins stay in your wallet. Smart contracts manage the liquidity pool and track your share. Withdraw any time, no permission needed.

Step 0 · YOU
Your wallet

Keys never leave your control. Your stablecoins stay here, always.

Step 1 · ON-CHAIN
Smart contract

Tracks your liquidity share and routes swaps. Audited, immutable, transparent.

Step 2 · QUOTES
Quote engine

Synthesizes rates against every supported corridor on demand.

withdraw any time  ·  instant, gas-free, no lock-ups, no permission required
FAQ

Earn questions answered.

How do liquidity providers earn yield on Sera?

LPs earn real yield by capturing the FX spread on every swap that routes through their deposit. A single deposit earns spreads across 30,000+ corridors, while exposure stays inside the pairs the LP chose to quote.

What's the difference between matched-pair and unmatched deployment?

Matched pair locks the spread on a single corridor as guaranteed profit per swap with zero impermanent loss — the predictable path for risk-averse LPs. Unmatched deployment spreads capital across many corridors for blended yield, capturing multiple spread opportunities at once.

Is there impermanent loss on Sera?

No. LPs set their own quotes, so price moves in the underlying assets don't drag the position. Matched pairs lock the spread; unmatched deployments park capital at the LP's stated rate. There is no price-driven loss in either case.

Is Sera custodial — does the protocol hold my funds?

No. Sera is non-custodial. Stablecoins stay in the LP's wallet at all times; the protocol routes flow through deposits without ever taking custody of them.

How is LP capital protected?

Smart contracts are audited by CertiK and ship with an emergencyWithdraw() escape hatch. The on-chain reference band is aggregated daily from 50+ central banks, 10+ payment service providers, and 10+ FX houses — quotes drifting more than 2% from that band trip the circuit breaker, so off-market takers can't drain the book on a mispriced quote. On-call monitoring fires within 30 seconds of any anomaly.

What is a corridor, and how does it relate to LP capital?

A corridor is a currency-pair route — for example USDC → BRLA. LPs quote bid/ask on one or more corridors and earn the spread on every swap that uses those quotes. Capital can be parked on one side and quoted against many destinations.

Why park money here

Earn what banks charge, not what banks pay.

The fees you pay sending money abroad are the spread. On Sera, that spread flows to the liquidity powering the payment, you, instead of Visa, Mastercard, or Western Union.

🇸🇬Bank savings · Singapore
01 / 15
0.05% APY
Bank keeps the margin
Sera LP · last 30 days
Live
18.2% APY
Range 8–25% based on corridor volume

That's 364× more than Singapore banks pay you to hold the same dollar.

Where Sera sits on the yield ladder
Sera LP
18.2%
Equities
8.0%
T-bills
3.8%
Fixed deposit
3.0%
Bank savings
0.05%
Why Sera can pay more than equities

Equities pay ~8% because they're passive ownership of a business. Sera's yield is active margin, the fee every payment company takes on every cross-border transaction, across remittances, B2B trade, global payroll, and money-changing.

Consumer & merchant flows
Visa take rate
~3%
Western Union take
5–7%
Sera's take
0%
Treasury & B2B flows
Benchmark: USD 10M USD→BRL settlement
Correspondent bank
SWIFT + FX desk
~4.5%
≈ $450,000
T+2 · SWIFT wire $25–50 + 3–5% FX spread
SWIFT-only wire
USD → USD, separate FX
~2.8%
≈ $280,000
T+1 · wire fee + 2nd-leg FX conversion
Sera
Stablecoin FX + local rail
0.14%
≈ $14,000
Seconds · 8 bps swap + 6 bps spread

Same dollar amount. Same endpoints. A treasury settling USD 10M to BRL through a correspondent bank pays ~$450,000 all-in. Through Sera, ~$14,000, settled in seconds, with the spread paid to the LPs who seeded the corridor, not to a chain of intermediaries.

Sera is the rail, not the middleman. 100% of the FX spread flows to the liquidity making each transaction possible.

Sera isn't a bank account. Funds sit in audited smart contracts, not insured by SDIC, FDIC, or PIDM. Yield scales with corridor volume, more flow, more earnings. Indicative APY based on trailing 30-day flow; not guaranteed. Bank savings rates sourced from typical demand/passbook accounts at mainstream retail banks (April 2026); promotional tiers excluded. Correspondent bank figures are market-typical all-in costs (FX spread + wire fees) for USD→BRL settlement of USD 10M; actual costs vary by bank, counterparty, and corridor.