Announcing Keyrails

Keyrails is reshaping cross-border payments in emerging markets. Designed for the complexities of Africa, Asia, and Latin America, it helps businesses move money faster, more reliably, and at lower cost. The platform combines programmable stablecoin treasuries with direct links to the global financial system, enabling compliant and efficient money movement tailored to local needs. 

To power this infrastructure, Keyrails has chosen Dfns for its wallet system. With Dfns, Keyrails can securely manage digital assets, automate transactions, and scale across multiple blockchains all with industry-leading security and compliance. We’re proud to support Keyrails as it builds the future of payments in the markets that need it most.

Rethinking global payments for the 99%

Co-Founded by Raj Khangura and Berhan Kongel, also the co-founder of Arf, a USDC-based lender acquired in 2023, Keyrails is setting a new standard for cross-border payments in emerging markets. Built with deep operational insight and bold conviction, Keyrails was designed from the ground up for geographies where existing payment rails don’t work. In regions like Lagos, Nairobi, or Dhaka, cross-border payments are riddled with friction: limited SWIFT access, fragile correspondent networks, capital controls, and multi-day settlement delays. The traditional workaround (i.e., pre-funding local accounts) traps millions in idle balances and adds operational complexity.

Keyrails takes a radically different approach. Instead of pushing stablecoins all the way to the end recipient, they treat stablecoins as a global treasury layer, a programmable store of value that can be routed, settled, and converted dynamically, based on compliance and cost. This allows them to bypass local friction, eliminate pre-funding, and dramatically improve speed and efficiency.

Keyrails, the “quantum layer” of payments

The “quantum layer” expands what stablecoins can do. By decoupling value from geography until the last mile, Keyrails unlocks real-time routing logic, automated compliance checks, and cost-aware FX execution. It is not just faster; it is programmable liquidity that adjusts in real-time to market conditions, regulatory requirements, and operational needs.

Keyrails isn’t a wallet—it’s a programmable finance OS built on top of compliant stablecoin and fiat infrastructure. 

• Named USD accounts (onshore with access to ACH, Fedwire and SWIFT)
• Programmable stablecoin treasuries for both payments & yield generation
• Single-API access to SWIFT rails and on/off ramps
• Full regulatory compliance and KYC/KYB coverage
• Settlement into 170+ countries, including high-friction corridors

Their flagship product “Stable OS” lets clients trigger high-value SWIFT payouts from stablecoin wallets with:

• Ultra-Fast Settlements as Keyrails is a SWIFT member
• Sender name shown on MT103
• No intermediary obfuscation
• Full traceability for customs, compliance, and audits

This is a game-changer for emerging-market businesses importing goods, managing distributed workforces, or funding subsidiaries across jurisdictions. In real-world corridors such as “Nigeria → China” or “Kenya → Indonesia,” Keyrails:

• Cuts cross-border payment costs by up to 4×
• Delivers settlement 10× faster than traditional banks
• Eliminates the need for nostro accounts and pre-funded liquidity
• Achieves ~$500K average payout size, showing strong institutional adoption

And with 100% quarter-over-quarter growth and expanding usage across Africa, LATAM, and Southeast Asia, Keyrails is fast becoming the stablecoin infrastructure of choice in the Global South.

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Tip: Check out Berhan Kongel's latest interview on Stableminded.

Keyrails chose Dfns as their wallet infrastructure

To deliver this kind of scale and security, Keyrails needed wallet infrastructure that could:

• Secure USDC, USDT, and other stablecoins across Ethereum, Stellar, Solana, and Arbitrum
• Orchestrate wallets programmatically at scale for different customers and use cases
• Offer fine-grained control over address management, reconciliation, and audit logging
• Integrate into a developer-first stack with minimal operational overhead

Dfns was the clear choice. With our API-first architecture, multi-chain support, and enterprise-grade security (SOC 2, ISO 27001, encrypted backups, rate limiting, MFA enforcement, and more), we provide Keyrails with a robust, scalable foundation without slowing down their innovation. 

Together, we’re also exploring upcoming capabilities such as token swaps, stablecoin yield automation, and support for onchain attestations to further enrich Keyrails’ product offering.

A shared belief in programmable financial infrastructure

Like Dfns, Keyrails is building towards a future where stablecoins are not just tools of speculation, but programmable, compliant rails for real-world financial use cases. From cross-border trade to treasury settlements, their model demonstrates that the next wave of payment innovation is being shaped outside of legacy markets. We’re proud to support their mission. If you’re building payment applications, stablecoin infrastructure, or cross-border products and need reliable wallet APIs, let’s talk.

• Start building: https://app.dfns.io/get-started 
• Contact us: sales@dfns.co‍
• Learn more about Keyrails: keyrails.com