The settlement layer
the Caribbean needs

$18.4B in remittances flow through infrastructure built in the 1970s. YembiPay is the modern alternative — stablecoins to local bank accounts in seconds, with compliance on every transaction.

$18.4B
Annual Caribbean remittances
6–8%
Current corridor fees
0.75%
YembiPay fee
86%
Gross margin

The compliance sandwich

Every settlement is screened before execution, settled on-chain, and audited after. One API call handles it all.

Step 01

Pre-flight screening

OFAC sanctions check, GENIUS Act registry verification, AML velocity analysis, composite risk score.

Step 02

On-chain settlement

USDC transfer on Base L2 via YembiPaySettlement.sol. Sub-cent gas. FX rate locked for 30 seconds.

Step 03

Local deposit

JamClear RTGS or ACH to the recipient's bank. Local currency arrives. Compliance certificate generated.

One endpoint.
Full settlement.

Send USDC amount, recipient bank details, and corridor. We handle compliance, FX, on-chain settlement, and local rail delivery.

Every settlement returns a compliance certificate with on-chain proof — eliminating redundant screening downstream.

Get Early Access
# Settle $500 USDC to Jamaica
curl -X POST https://api.yembipay.com/v1/settlements \
  -H "Authorization: Bearer ypk_live_..." \
  -H "Content-Type: application/json" \
  -d '{
    "amount_usdc": 500,
    "country_code": "JM",
    "recipient_account": "NCB-9876543210",
    "sender_wallet": "0x1a2b...3c4d"
  }'
import yembipay

client = yembipay.Client("ypk_live_...")

settlement = client.settlements.create(
    amount_usdc=500,
    country_code="JM",
    recipient_account="NCB-9876543210",
    sender_wallet="0x1a2b...3c4d",
)

print(settlement.local_amount)
# 77,702.25 JMD
import YembiPay from 'yembipay';

const client = new YembiPay('ypk_live_...');

const settlement = await client.settlements.create({
  amount_usdc: 500,
  country_code: 'JM',
  recipient_account: 'NCB-9876543210',
  sender_wallet: '0x1a2b...3c4d',
});

console.log(settlement.local_amount);
// 77,702.25 JMD

Built to be trusted

Per-transaction certificates that downstream institutions trust without re-screening. Your audit trail, not ours.

OFAC sanctions screening

Real-time SDN list check on every settlement. Sanctioned wallets blocked before any funds move.

GENIUS Act compliance

Built for the 2025 stablecoin regulatory framework. DASP registry verification per transaction.

AML monitoring

Transaction velocity checks, structuring detection, and automated suspicious activity reporting.

Compliance certificates

PDF per settlement with on-chain hash, OFAC results, risk score, and full audit trail.

Kill switch

Instant system pause. Three-wallet treasury with automated freeze detection and failover.

Shadow ledger

GAAP-compliant audit record mapping on-chain hashes to org IDs and invoice numbers.

Caribbean-first

Each new corridor makes the network exponentially more valuable. Adding the next one costs one adapter — the compliance core is shared.

Ready to get started?

Join the first wave of partners building on Caribbean settlement infrastructure.

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