Uang modern untuk sebuah dunia yang berkembang.

Loam memindahkan uang ke 34 negara dan 5 benua — seketika, dengan biaya hanya sebagian kecil dibanding cara tradisional. Modal kerja menghasilkan imbal hasil, kartu memungkinkan Anda berbelanja, dan gesekan dihilangkan.

Coba langsung
~5 sec
Average settlement time
24/7
Availability — vs 5 days a week on banking rails
80%
Average saving compared to local competitors
Dari jaringan kami
Goldman SachsCitadelDeutsche BankTrafiguraGoogleDeepMindSolanaStellar

Untuk siapa Loam

Banks

Loam gives banks instant cross-border settlement and local-currency payout across live corridors, so customers can move money without the bank maintaining a correspondent relationship in every market.

Remittance groups

Remittance operators can keep corridors open around the clock, settle into local currency, and reduce the cost and weekend delays that make emerging-market payout hard to run at scale.

Payroll

Payroll teams can fund once, pay many markets, and keep contractors receiving the currency they use locally without opening and reconciling bank accounts in every country.

Treasury

Treasury teams get one place to hold balances, convert currencies, settle obligations, and keep idle working capital earning yield while it waits for the next payment cycle.

Trade finance houses

Trade finance houses can fund a flow, hold funds against agreed conditions, release payment when both sides deliver, and keep the repayment path visible from origination to settlement.

PSPs

PSPs can add cross-border settlement and local payout through Loam while keeping their existing customer, wallet, and reporting stack intact.

iGaming

iGaming finance teams can settle operator balances and cross-border payouts continuously, including weekends, with every counterparty verified before money moves.

Insurance

Insurance operators can collect premiums, pay claims, and reconcile cross-border flows across markets while keeping counterparties verified and every movement traceable.

Masuk via bank, keluar via bank, dan semua yang ada di antaranya.

Payments

Fund from any bank you already use and pay any verified counterparty; they receive their own local currency the same day. No correspondent banks, no weekend hold.

FX

Exchange between currencies near mid-market, with the spread shown up front. The rate you're quoted is the rate you get.

Escrow

Hold funds against agreed conditions and release them automatically once both sides deliver. Built for new counterparties and high-value trades.

Yield

Cash sitting between deals earns daily yield and stays fully redeemable — what a bank account should do, and doesn't.

Private Credit

Finance your receivables to free working capital, so you're not waiting on a buyer to pay before you can pay your supplier.

Keamanan dan kontrol yang benar-benar akan disukai CFO Anda.

KYB untuk setiap pihak lawan transaksi

Setiap entitas diverifikasi sebelum dapat bertransaksi, dengan penyaringan sanksi dan catatan pihak lawan transaksi disimpan di satu tempat. Tim keuangan dapat meninjau pihak lawan transaksi berdasarkan catatan yang konsisten sebelum dana bergerak, sehingga mengurangi jumlah pemeriksaan manual yang tersebar di email dan spreadsheet.

Kustodi terpisah

Dana dalam kustodi teregulasi tetap terpisah, dapat dilacak, dan sepenuhnya dapat direkonsiliasi dari pendanaan hingga pembayaran. Tampilan kustodi dirancang agar saldo operasional, arus penyelesaian, dan aktivitas pembayaran mudah dipahami oleh peninjau keuangan.

Jejak audit lengkap

Setiap tindakan, penyelesaian, dan faktur diberi stempel waktu dan dapat diekspor, sehingga tim keuangan dapat melacak setiap angka kembali ke sumbernya. Catatan ini memberi tim satu tempat untuk memeriksa siapa yang menyetujui suatu pergerakan, kapan penyelesaiannya terjadi, dan bagaimana faktur pendukung atau instruksi pembayaran terkait dengan angka akhir.

Customer API

Jalur penyelesaian, dapat dipanggil dari stack Anda.

Minta kuotasi valuta asing, baca saldo, lalu pindahkan dana ke tujuan yang disetujui ketika hak akses itu dibuka. Setiap jaminan dipublikasikan dalam kontrak OpenAPI 3.1 dan ditegakkan di bawah lapisan API.

  • Kuotasi, pembayaran, treasury, dan on-/off-ramps dalam satu kontrak
  • Idempotency-Key pada setiap penulisan — pemutaran ulang mengembalikan hasil pertama
  • Lingkup dana yang diberikan melalui autentikasi step-up, dapat dicabut pada batas waktu tertentu
Buka Pusat Pengembang
POST /api/v1/fx/quotes
curl -X POST "$LOAM_API_BASE/fx/quotes" \  -H "Authorization: Bearer $LOAM_TOKEN" \  -H "Content-Type: application/json" \  -H "Idempotency-Key: $(uuidgen)" \  -d '{"from_currency":"USD","to_currency":"EUR","amount":10000}'// Response
HTTP/1.1 202 Accepted
Location: /api/v1/fx/quotes/a6bbdbeb-ed3b-42cb-85b1-af3112f2fe06

{
  "ok": true,
  "data": {
    "id": "a6bbdbeb-ed3b-42cb-85b1-af3112f2fe06",
    "from_amount": 10000,
    "from_currency": "USD",
    "to_amount": 9125,
    "to_currency": "EUR",
    "rate_decimal": "0.9125",
    "fee_amount": -25,
    "fee_currency": "USD",
    "expires_at": "2099-08-14T16:35:00.000Z",
    "state": "active"
  }
}

Terselesaikan di koridor-koridor yang sedang berkembang.

Trade-finance repayments, settled across continents.

Trade finance · East Africa → Singapore

A trade-finance fund routes exporter repayments from East Africa to its Singapore desk through Loam — settling in seconds instead of days, hundreds of thousands a month and scaling, with idle balances earning yield between cycles.

  • Settling in seconds instead of days
  • Hundreds of thousands a month and scaling
  • Idle balances earning yield between cycles

Millions in grain — plus the credit to plant the next crop.

Grain · across Southern Africa

A regional grain network settles cross-border trades across the Botswana–South Africa corridor — over $4m to date — and draws on Loam financing to fund the seed and inputs for next season.

  • Cross-border trades across the Botswana-South Africa corridor
  • Over $4m to date
  • Financing for seed and inputs for next season

High-volume payouts across SADC, around the clock.

High-volume payments · across SADC

A telecoms operator runs continuous, high-frequency payments across the region on Loam — dozens of payouts settling instantly, 24/7, at a fraction of bank cost.

  • Continuous, high-frequency payments across the region
  • Dozens of payouts settling instantly, 24/7
  • At a fraction of bank cost
FAQ

Yang ditanyakan tim keuangan sebelum mereka merilis.

Masih perlu? Loam akan membahas alur spesifik Anda dalam panggilan 30 menit.

What does Loam actually do?

Loam moves money across borders in seconds, holds and converts it in multiple currencies, earns yield on idle balances, and can finance your trade — one platform instead of a bank, an FX desk and a lender.

Who's it built for?

Businesses moving money across emerging markets — banks, remittance groups, treasuries, trade finance houses, PSPs, payroll, iGaming and insurance.

How is Loam regulated?

Loam operates under regulated frameworks in South Africa and Kenya, with credit-intermediation licensing in progress and expansion into Zambia, Botswana and the EU. Every counterparty is KYB-verified before they can transact.

What can I hold and settle in?

Major currencies in, with local-currency payout across live corridors.

What does it take to get started?

KYB verification in under a day, then you can fund and settle. No setup fees, no minimums, no lock-ups.

Masih ada pertanyaan? Pesan sesi penjelasan 30 menit

Mulai menyelesaikan dalam hitungan menit.

Verifikasi KYB dalam waktu kurang dari satu hari. Tanpa biaya penyiapan. Tanpa batas minimum. Tanpa penguncian.

Jadwalkan panggilan
Coba langsung