Move money across borders for less than you pay today
The fee is the smallest part of what you pay. The real cost is buried in the exchange rate. Providers aren't required to quote the mid-market rate, and they don't tell you the markup.
- 10x
- How much larger the FX spread can be than the transaction fee stated in your contract.
- 2.5 to 4%
- Typical bank FX markup on cross-border business payments, taken in the rate rather than charged as a fee.
- No requirement.
- Business cross-border payments carry no federal FX disclosure obligation in the United States.
Why the cost is lowerFewer parties in the payment, less taken out of it.
No correspondent chain.
A traditional cross-border payment passes through intermediary banks, each of which deducts a fee and adds a day. Grain settles through local rails instead, so there is nothing in the middle to pay.
One rate, disclosed before you commit.
You see the exchange rate and the total cost of the transfer before anything moves. Nothing is taken in the spread after the fact.
Pricing that improves with volume.
Rates step down as volume grows, so the corridors you use most become the cheapest ones you run.
| What you use today | All-in rate | What you save with Grain |
|---|---|---|
| Bank, non-negotiated | 100 to 200 bps | Save up to 80% |
| Bank, negotiated | 50 bps and up | Save 30% + |
| Fintechs | ~ 65 bps | Save ~ 45% |
Supported currencies & corridors
Convert and send international payments across supported currencies and payment corridors.
Hold dollars in the United States.Settle where you operate.
A US account in your company's name
A dedicated account and routing number. Accept ACH and domestic wire payments without correspondent bank fees.
Dollar liquidity you control
Hold USD working capital in the United States and make it available to disburse to suppliers and partners on demand.
Repatriation on your schedule
Convert and settle to your local operating account on Grain rails, with the full cost breakdown shown before funds move.