# MYR → AED: Malaysian Ringgit to UAE Dirham settlement on Sera

> Hundreds of thousands of Malaysian workers in the Gulf, plus growing MY-AE trade, banks quote 250+ bps. This corridor is undersupplied by traditional remit operators.

- **Corridor:** MYR ↔ AED (Malaysia ↔ United Arab Emirates)
- **Status:** Live
- **Bridge stablecoins:** USDC ↔ USDC
- **Settlement speed:** Sub-second on-chain · ~15s door-to-door

## How settlement flows

MYR via DuitNow → USDC (Sera bridge stablecoin) → USDC routed against AED inventory → AED via IPP to local bank/e-wallet.

## Local payment rails

- **Malaysia (MYR):**
  - DuitNow (Real-time)
  - FPX (Real-time — Bank-direct)
- **United Arab Emirates (AED):**
  - IPP (Real-time — Instant Payment Platform)
  - UAEFTS (Same-day)

## Use cases

- Migrant worker remittance
- Hajj travel payments
- MY-AE B2B trade

## Risk notes for liquidity providers

AED is USD-pegged so the LP risk is concentrated in MYR-side volume. Friday/Saturday Gulf weekend means weekend basis on AED inventory.

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Live page with current rates: https://sera.cx/coverage/myr-aed · Swap at https://app.sera.cx · All corridors: https://sera.cx/coverage · Full corpus: https://sera.cx/llms-full.txt