# USD → INR: US Dollar to Indian Rupee settlement on Sera

> 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.

- **Corridor:** USD ↔ INR (United States ↔ India)
- **Status:** Live
- **Bridge stablecoins:** USDC ↔ USDC
- **Settlement speed:** Sub-second on-chain · ~20s door-to-door

## How settlement flows

USD via ACH/FedNow → USDC → SOR routes USDC to INR liquidity → INR via UPI to recipient's UPI ID or bank account.

## Local payment rails

- **United States (USD):**
  - FedNow (Real-time — 24/7/365)
  - ACH (Same-day — Same-day & next-day)
  - Fedwire (Wire)
- **India (INR):**
  - UPI (Real-time — Mobile-first, ubiquitous)
  - IMPS (Real-time)

## Use cases

- NRI family remittance
- Freelancer payouts
- B2B IT services

## Risk notes for liquidity providers

RBI 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.

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