# REDFi

> REDFi is a global fintech platform providing USD accounts, payment rails (Wire, SEPA, PIX, SPEI), stablecoin on/off-ramps (USDB, USDC, USDT), reward-bearing balances (3% Annual Reward on USDB), and Visa debit cards. Active in 86+ countries. Built on Bridge infrastructure.

## About REDFi

REDFi helps founders, freelancers, and finance teams move money across borders, hold a USD-denominated treasury that earns rewards, and convert between fiat and stablecoins on demand. The platform supports KYC/KYB compliance, multi-user team accounts with granular permissions, and direct settlement through 11 payment rails.

## Key Features

- [USD Accounts](https://redfi.io/home): Open a USD account with routing and account numbers from anywhere
- [Payments](https://redfi.io/home): Send Wire, SEPA, PIX, SPEI, FedNow, and FedWire transfers globally
- [Stablecoins](https://redfi.io/stablecoins): Buy, sell, deposit, and withdraw USDB, USDC, and USDT with instant settlement
- [REDFi Rewards](https://redfi.io/rewards): Earn 3% Annual Reward on USDB stablecoin balances, accrued continuously
- [Cards (Coming Soon)](https://redfi.io/cards): Visa cards backed by stablecoin balances are in development — join the waitlist to be notified at launch
- [Enterprise](https://redfi.io/enterprise): Multi-user business accounts with granular permissions (RBAC), audit trail, dual-control approvals

## Products and Reference

- [Pricing](https://redfi.io/pricing): Full fee schedule for all services
- [Supported Countries](https://redfi.io/countries): List of 86+ countries where REDFi operates
- [Glossary](https://redfi.io/glossary): Plain-English definitions of fintech, stablecoin, and crypto terms
- [Use Cases](https://redfi.io/use-cases): Scenarios — remittances, payroll, B2B payments, treasury, card spend

## Country Guides

Country-specific pages for opening a USD account, receiving payments from abroad, and converting to local currency. Spanish (`/es`) and Portuguese (`/pt`) variants exist for the relevant markets.
- [Send & Receive Money in Colombia](https://redfi.io/colombia): USD accounts + payments to/from Colombia (COP)
- [Send & Receive Money in Mexico](https://redfi.io/mexico): USD accounts + payments to/from Mexico (MXN)
- [Send & Receive Money in Brazil](https://redfi.io/brazil): USD accounts + payments to/from Brazil (BRL)

## Blog Posts

English is the canonical version of each post. Where Spanish (`es`) or Portuguese (`pt`) translations exist, the real localized URL is listed as a sub-item beneath the English entry.

- [Currency Exchange USD to COP: How Freelancers Get More Pesos in 2026](https://redfi.io/blog/currency-exchange-usd-to-cop): Convert USD, EUR, GBP, MXN, USDT, USDC, and BRL to Colombian pesos fast with lower fees. Learn how freelancers and entrepreneurs use REDFi to receive dollars and pay out in COP through Bre-B. [cross-border-payments, currency-exchange, colombia]
  - es: https://redfi.io/es/blog/currency-exchange-usd-to-cop
- [Cómo gestionar el ciclo completo cripto-fiat con infraestructura regulada](https://redfi.io/blog/beyond-the-off-ramp-mastering-the-full-crypto-fiat-lifecycle-with-redfi): REDFi ofrece infraestructura regulada completa para empresas que necesitan convertir entre fiat y criptomonedas en múltiples redes blockchain, con procesos KYC/KYB 100% en línea y cuentas USD segregad [fintech, cryptocurrency, fiat-crypto]
  - es: https://redfi.io/es/blog/beyond-the-off-ramp-mastering-the-full-crypto-fiat-lifecycle-with-redfi
- [Why Compliance Infrastructure Is Your Fintech Competitive Advantage](https://redfi.io/blog/compliance-first-payments-why-trust-is-the-real-innovation): Most payment platforms treat compliance as overhead. REDFi builds it into the foundation—preventing account freezes, enabling institutional partnerships, and turning regulatory clarity into a growth e [compliance, fintech, payments]
  - es: https://redfi.io/es/blog/compliance-first-payments-why-trust-is-the-real-innovation
  - pt: https://redfi.io/pt/blog/compliance-first-payments-why-trust-is-the-real-innovation
- [Why Stablecoins Are Replacing Traditional Cross-Border Wires](https://redfi.io/blog/cross-border-payments-made-simple-with-stablecoins): Traditional international wires take 3–5 days and cost 3–7% in fees. Stablecoin rails settle in seconds for under 1%. Here's how REDFi bridges both worlds for businesses paying teams and vendors globa [cross-border-payments, stablecoins, international-wire]
  - es: https://redfi.io/es/blog/cross-border-payments-made-simple-with-stablecoins
  - pt: https://redfi.io/pt/blog/cross-border-payments-made-simple-with-stablecoins
- [How Freelancers Get Paid in Crypto Without the Banking Headaches](https://redfi.io/blog/getting-paid-in-crypto-a-guide-for-freelancers-and-business-professionals): Crypto payments solve the international wire problem for freelancers, but converting to spendable money is still a mess. Here's how REDFi turns USDC into USD accounts, debit cards, and compliant infra [stablecoins, freelance, crypto-payments]
  - es: https://redfi.io/es/blog/getting-paid-in-crypto-a-guide-for-freelancers-and-business-professionals
  - pt: https://redfi.io/pt/blog/getting-paid-in-crypto-a-guide-for-freelancers-and-business-professionals
- [How Stablecoins and SWIFT Work Together for Global Payments](https://redfi.io/blog/stablecoins-swift-integration-global-payments): Stablecoins settle in minutes with minimal fees while SWIFT connects 11,000+ banks worldwide. Modern fintech infrastructure combines both rails to give businesses speed, cost savings, and universal re [cross-border-payments, stablecoins, swift]
  - es: https://redfi.io/es/blog/stablecoins-swift-integration-global-payments
  - pt: https://redfi.io/pt/blog/stablecoins-swift-integration-global-payments
- [Why Modern Payment Infrastructure Must Bridge Fiat and Crypto](https://redfi.io/blog/the-future-of-payments-how-redfi-is-redefining-money-movement): Legacy payment systems fail global businesses. REDFi unifies fiat rails and stablecoins into compliant infrastructure that moves money instantly across 80+ countries without parallel systems or hidden [cross-border-payments, stablecoins, payment-infrastructure]
  - es: https://redfi.io/es/blog/the-future-of-payments-how-redfi-is-redefining-money-movement
  - pt: https://redfi.io/pt/blog/the-future-of-payments-how-redfi-is-redefining-money-movement
- [Why Payment Rails No Longer Matter (And What Does Instead)](https://redfi.io/blog/the-payment-rails-debate-is-over-infrastructure-is-the-real-differentiator): Speed stopped being the bottleneck. Modern cross-border payments succeed or fail on compliance infrastructure, downstream integrations, and whether your finance team can actually use the system. [cross-border-payments, payment-infrastructure, compliance]
  - es: https://redfi.io/es/blog/the-payment-rails-debate-is-over-infrastructure-is-the-real-differentiator
  - pt: https://redfi.io/pt/blog/the-payment-rails-debate-is-over-infrastructure-is-the-real-differentiator
- [What Banks Actually Want From Crypto Companies (And Why Most Fail)](https://redfi.io/blog/what-crypto-friendly-banking-really-means-and-why-most-platforms-get-it-wrong): Banks don't reject crypto companies because they're anti-innovation — they reject them because most can't prove they're safe to bank. Here's what compliance-aligned crypto operations actually look lik [crypto-banking, compliance, kyc-aml]
  - es: https://redfi.io/es/blog/what-crypto-friendly-banking-really-means-and-why-most-platforms-get-it-wrong
  - pt: https://redfi.io/pt/blog/what-crypto-friendly-banking-really-means-and-why-most-platforms-get-it-wrong
- [Why Banks Close Crypto Company Accounts (And How to Keep Yours)](https://redfi.io/blog/why-crypto-companies-lose-bank-accounts-and-how-to-avoid-it): Most crypto firms lose banking access not from fraud, but from appearing operationally unpredictable. Banks close accounts when they can't explain your activity to regulators — even if everything you' [compliance, banking, cryptocurrency]
  - es: https://redfi.io/es/blog/why-crypto-companies-lose-bank-accounts-and-how-to-avoid-it
  - pt: https://redfi.io/pt/blog/why-crypto-companies-lose-bank-accounts-and-how-to-avoid-it

## Glossary Terms

- [AAL2](https://redfi.io/glossary#aal2): NIST Authenticator Assurance Level 2 — stronger MFA required for high-value actions.
- [ACH](https://redfi.io/glossary#ach): Automated Clearing House — the US bank-to-bank network for low-cost, batched transfers.
- [AML](https://redfi.io/glossary#aml): Anti-Money Laundering — laws and processes to detect and prevent illicit money flows.
- [BIC / SWIFT code](https://redfi.io/glossary#bic): Bank Identifier Code — 8 or 11-character code identifying a specific bank.
- [Bre-B](https://redfi.io/glossary#bre-b): Colombia's real-time interbank transfer system.
- [Burn](https://redfi.io/glossary#burn): Destroying stablecoin tokens when they're redeemed for the underlying fiat.
- [Cross-border payment](https://redfi.io/glossary#cross-border): A money transfer that crosses national or currency boundaries.
- [Custodial wallet](https://redfi.io/glossary#custodial-wallet): A digital wallet where the platform (not the user) holds the private keys.
- [Custodian](https://redfi.io/glossary#custodian): A regulated entity that holds digital assets on behalf of clients.
- [EEA](https://redfi.io/glossary#eea): European Economic Area — EU member states plus Iceland, Norway, Liechtenstein.
- [FedNow](https://redfi.io/glossary#fednow): The US Federal Reserve's 24/7 instant payment service launched in 2023.
- [Fedwire](https://redfi.io/glossary#fedwire): The US Federal Reserve's real-time wire transfer network. Same-day settlement.
- [Float](https://redfi.io/glossary#float): The total amount of money a business has tied up in pending transactions.
- [FX](https://redfi.io/glossary#fx): Foreign exchange — converting between currencies.
- [FX spread](https://redfi.io/glossary#spread): The difference between the buy and sell price of a currency — the FX provider's margin.
- [IBAN](https://redfi.io/glossary#iban): International Bank Account Number — standard account-number format used in Europe and beyond.
- [KYB](https://redfi.io/glossary#kyb): Know Your Business — KYC for companies opening a financial account.
- [KYC](https://redfi.io/glossary#kyc): Know Your Customer — identity verification required to open a financial account.
- [Liquidation address](https://redfi.io/glossary#liquidation-address): A blockchain deposit address that auto-converts received crypto into fiat.
- [Liquidity](https://redfi.io/glossary#liquidity): How easily an asset can be converted to cash without losing value.
- [MFA](https://redfi.io/glossary#mfa): Multi-Factor Authentication — security requirement of two or more verification factors.
- [Mint](https://redfi.io/glossary#mint): Creating new stablecoin tokens in exchange for fiat deposited with the issuer.
- [OFAC](https://redfi.io/glossary#ofac): US Treasury's sanctions-enforcement office. Screens for prohibited parties.
- [Off-ramp](https://redfi.io/glossary#off-ramp): Converting a stablecoin or crypto asset back into traditional money.
- [On-ramp](https://redfi.io/glossary#on-ramp): Converting traditional money (fiat) into a stablecoin or crypto asset.
- [PIX](https://redfi.io/glossary#pix): Brazil's instant payment system. Real-time bank transfers 24/7 using a key.
- [Redemption](https://redfi.io/glossary#redemption): Converting stablecoin tokens back into the underlying fiat from the issuer.
- [REDFi Rewards](https://redfi.io/glossary#rewards): The 3% annual reward earned automatically on USDB balances held in REDFi.
- [Remittance](https://redfi.io/glossary#remittance): Money sent home by people working in another country.
- [Reward-bearing](https://redfi.io/glossary#reward-bearing): An account or asset that earns REDFi Rewards while held.
- [SEPA](https://redfi.io/glossary#sepa): Single Euro Payments Area — unified Eurozone bank-transfer network.
- [Settlement](https://redfi.io/glossary#settlement): The final, irrevocable transfer of funds from sender's bank to recipient's bank.
- [SPEI](https://redfi.io/glossary#spei): Mexico's instant interbank transfer system. Real-time, 24/7.
- [Stablecoin](https://redfi.io/glossary#stablecoin): A digital asset pegged to the value of a real-world currency, usually the US dollar.
- [Stablecoin issuance](https://redfi.io/glossary#issuance): The act of creating and putting new stablecoin tokens into circulation.
- [SWIFT](https://redfi.io/glossary#swift): Global messaging network that banks use to send international wire transfers and instructions.
- [T+0 / T+1 / T+2](https://redfi.io/glossary#t-0): Settlement timing conventions — T is the trade date, T+1 means one business day later.
- [Travel Rule](https://redfi.io/glossary#travel-rule): Crypto-specific rule requiring identifying info to "travel" with transfers over a threshold.
- [Treasury](https://redfi.io/glossary#treasury): A company's cash management function and the assets it holds.
- [USDB](https://redfi.io/glossary#usdb): Bridge's reserve-backed US dollar stablecoin. The default REDFi treasury asset.
- [USDC](https://redfi.io/glossary#usdc): Circle's reserve-backed US dollar stablecoin. Widely used across crypto and fintech.
- [USDT](https://redfi.io/glossary#usdt): Tether — the largest US dollar stablecoin by market cap.
- [Webhook](https://redfi.io/glossary#webhook): An automatic HTTP callback triggered by an event in another system.
- [Wire transfer](https://redfi.io/glossary#wire-transfer): Direct, near-real-time bank-to-bank money transfer, usually for larger amounts.

## Company

- [About](https://redfi.io/about): Company mission and background
- [Blog](https://redfi.io/blog): Articles on global payments, stablecoins, and cross-border finance
- [Contact](https://redfi.io/contact): Reach the REDFi team

## Legal

- [Privacy Policy](https://redfi.io/legal/privacy)
- [Terms of Service](https://redfi.io/legal/terms)
- [E-Sign Disclosure](https://redfi.io/legal/esign)
- [Restricted Jurisdictions](https://redfi.io/legal/restricted)
- [Prohibited Businesses](https://redfi.io/legal/prohibited)

## Getting Started

- [Sign Up](https://redfi.io/signup): Create a personal or business account
- [Log In](https://redfi.io/login): Access your dashboard

## llms-full.txt

A more complete version with full blog-post bodies is available at [https://redfi.io/llms-full.txt](https://redfi.io/llms-full.txt).