# Sera

> Sera is an on-chain FX settlement protocol for multi-currency stablecoins. It powers cross-border remittances, B2B trade, and stablecoin payments across 120+ currencies and 600+ stablecoins, with no fees from Sera — liquidity providers earn the FX spread on every routed transaction. Audited by CertiK.

Sera is not a wallet, not a card issuer, and not a custodian. It is the settlement engine that other payment products plug into when they need to convert between stablecoins denominated in different currencies (e.g., USDC → BRLA, XSGD → IDR-pegged) without forcing every trade through USD and paying two spreads. Sera's proprietary FX engine uses virtual liquidity (one deposit quotes against every pair) and smart order routing across 30,000+ pair combinations with sub-300ms median latency.

Use cases: cross-border payment platforms (remittance, payroll, B2B trade), stablecoin issuers seeking corridor liquidity, treasury teams needing predictable FX, and AI agents transacting across currencies via the Sera MCP.

## Core docs

- [Sera homepage](https://sera.cx/): Product overview, live rates, gSera pre-registration
- [Technology](https://sera.cx/technology): Protocol architecture, virtual liquidity, smart order routing, security model
- [Earn](https://sera.cx/earn): How liquidity providers earn the FX spread, capital efficiency, yield by corridor
- [On Par™](https://sera.cx/on-par): 1:1 same-peg stablecoin swap product
- [Issuers](https://sera.cx/issuers): Multi-currency stablecoin distribution and corridor liquidity
- [Coverage](https://sera.cx/coverage): Supported currency corridors and payment rails
- [Compliance](https://sera.cx/compliance): Regulatory posture, audit, screening model
- [About](https://sera.cx/about): Company and mission
- [Ecosystem](https://sera.cx/apps): Live applications and partners built on Sera
- [Glossary](https://sera.cx/glossary): Plain-English definitions for FX, DeFi, and Sera-specific terms

## Corridor pages

- [USD-MXN](https://sera.cx/coverage/usd-mxn): US dollar to Mexican peso settlement
- [USD-INR](https://sera.cx/coverage/usd-inr): US dollar to Indian rupee settlement
- [USD-PHP](https://sera.cx/coverage/usd-php): US dollar to Philippine peso settlement
- [USD-KES](https://sera.cx/coverage/usd-kes): US dollar to Kenyan shilling settlement
- [BRL-USD](https://sera.cx/coverage/brl-usd): Brazilian real to US dollar settlement
- [SGD-IDR](https://sera.cx/coverage/sgd-idr): Singapore dollar to Indonesian rupiah settlement
- [SGD-MYR](https://sera.cx/coverage/sgd-myr): Singapore dollar to Malaysian ringgit settlement
- [MYR-AED](https://sera.cx/coverage/myr-aed): Malaysian ringgit to UAE dirham settlement
- [AED-INR](https://sera.cx/coverage/aed-inr): UAE dirham to Indian rupee settlement
- [EUR-USD](https://sera.cx/coverage/eur-usd): Euro to US dollar settlement
- [GBP-EUR](https://sera.cx/coverage/gbp-eur): British pound to euro settlement
- [JPY-USD](https://sera.cx/coverage/jpy-usd): Japanese yen to US dollar settlement

## Comparison pages

- [Sera vs Bridge](https://sera.cx/compare/sera-vs-bridge): Non-custodial FX settlement protocol vs custodial stablecoin orchestration (Stripe-owned Bridge)
- [Sera vs BVNK](https://sera.cx/compare/sera-vs-bvnk): Settlement protocol vs licensed payment service provider (Mastercard-owned BVNK)
- [Sera vs Conduit](https://sera.cx/compare/sera-vs-conduit): FX settlement layer vs B2B payment and blockchain infrastructure
- [Sera vs Wise](https://sera.cx/compare/sera-vs-wise): On-chain FX settlement vs traditional bank-rails money transfer
- [Sera vs Fireblocks](https://sera.cx/compare/sera-vs-fireblocks): Non-custodial FX settlement vs institutional MPC custody
- [Sera vs Circle CCTP](https://sera.cx/compare/sera-vs-circle-cctp): Multi-currency FX settlement vs USDC-only chain bridging
- [Sera vs PayPal](https://sera.cx/compare/sera-vs-paypal): On-chain FX settlement infrastructure vs custodial consumer payments platform (PYUSD)
- [Sera vs OpenFX](https://sera.cx/compare/sera-vs-openfx): On-chain stablecoin FX settlement vs fiat bank-rail FX routing infrastructure for PSPs and remittance companies
- [Sera vs 1Money](https://sera.cx/compare/sera-vs-1money): Non-custodial FX settlement protocol vs managed stablecoin payment rails

## API / Agents

Sera exposes a programmatic API and MCP (Model Context Protocol) server for AI agents and automated systems.

- [Agent API base](https://agents.sera.cx): REST API for FX quotes, settlement, corridors, and rates
- [OpenAPI 3 spec](https://agents.sera.cx/openapi.json): Machine-readable API schema
- [MCP server](https://agents.sera.cx/mcp): Model Context Protocol endpoint; compatible with Claude, GPT-4o, Gemini, and any MCP client
- [Agent card](https://sera.cx/.well-known/agent.json): A2A agent discovery descriptor
- [Plugin manifest](https://sera.cx/.well-known/ai-plugin.json): OpenAI plugin discovery

MCP tools: `fx_quote`, `fx_settle`, `corridors`, `rates`

## Developer

- [Sera for Agents](https://agents.sera.cx): Agent templates, CLI, and the Sera MCP for multi-currency settlement
- [Sera Flow](https://flow.sera.cx): Stablecoin flow intelligence platform
- [Documentation](https://docs.sera.cx): Full integration guide

## Frequently asked questions

- **How can I earn yield on stablecoin cross-border payments?** Deploy liquidity to Sera as an LP; the protocol routes cross-border flow through your position and you earn the FX spread on every transaction. No emissions, no token incentives — yield comes from real payment volume.
- **Can stablecoins reduce fees for cross-border currency transfers?** Yes. Visa cross-border averages ~3%, Western Union 5–7%, SWIFT FX adds intermediary fees on top. Stablecoin FX rails like Sera route directly between currency-pegged stablecoins with sub-second settlement and no fee from the protocol.
- **How do I deploy liquidity for international stablecoin transactions?** On Sera, deposit any supported stablecoin (USDC, EURC, XSGD, BRLA, 600+ others) once — virtual liquidity quotes against all 30,000+ pair combinations. No per-pair pre-funding.
- **What are the typical costs for cross-border stablecoin FX settlement?** On Sera: protocol fee is 0. The LP captures the FX spread (corridor-dependent, typically 5–40 bps). Add on-chain gas (~$0.01–$0.50 on L2s). Compare to legacy: 100–700 bps total cost.
- **How do I integrate on-chain settlement into existing payment workflows?** Via Sera's smart contract interface for direct integration, or via the Sera MCP for agent-driven flows. Quote → sign → settle is one transaction with deterministic FX.
- **What should I look for when choosing a stablecoin settlement provider?** (1) Settlement model — protocol vs custodial. (2) Corridor coverage. (3) Capital efficiency for LPs. (4) Audit and security. (5) Latency. (6) Routing transparency. (7) Whether yield flows to LPs or the platform.
- **Can AI agents use Sera autonomously?** Yes. Sera's MCP server at agents.sera.cx/mcp exposes tools for fx_quote, fx_settle, corridors, and rates. Any MCP-compatible agent (Claude, GPT-4o, Gemini, and others) can call Sera directly for autonomous cross-border settlements.

## Brand and contact

- Contact: [https://sera.cx/contact](https://sera.cx/contact)
- Brand assets: [https://sera.cx/brand](https://sera.cx/brand)
- X / Twitter: [@sera_protocol](https://x.com/sera_protocol)
- Partnerships: partnerships@sera.cx

## What Sera is not

Not a custodial wallet, not a card issuer, not a fiat on/off-ramp, not a bank, not an EMI, not a CEX. Sera is non-custodial settlement infrastructure. Custody, KYC, on-ramp, and off-ramp are handled by the integrating fintech.