Microfinance banks
Offer your clients dollar payouts as your own product, instead of sending them to an OTC desk.
Money
Your client
Pays naira from their account with you
Your bank
Passes the request on and earns a fee
Pulse
Buys the stablecoin on the best route
Client's wallet
Receives USDT or USDC
Your team
Every step
Pulse sends an update
Core banking
Stays up to date on its own
Finance team
Exports orders to reconcile the ledger
The problem
Your clients hold naira with you, but many of them want dollars. Some want to protect their savings. Some want to run their business in a stable currency. Others settle with partners who work in USDT or USDC. Today that money leaves your bank for an OTC desk. The rate is agreed by phone or chat, and your operations team matches transfers to payouts by hand. You lose the transaction, the margin, and the visibility.
How Pulse helps
Your bank offers dollar payouts as its own product. You choose how to run it.
| Straight through | Buy directly | |
|---|---|---|
| How it works | Each client request goes to Pulse as an order. Pulse buys the stablecoin and delivers it to the client's address. | Your bank buys stablecoin from Pulse into its own wallet, then sells to clients. |
| Stablecoin on your books | None | Your own position |
| Market risk | None | Yours. You decide when to buy and how much to hold. |
| How you earn | A partner fee on every order | Your own spread, at a price you set |
The quoted rate holds when the client funds the order within 15 minutes. Every step sends an update, so nobody has to watch a screen.
Clients who pay out often can hold a permanent naira account in their own name. Coming soon Each credit to that account will convert to stablecoin automatically, so the account becomes a standing dollar payout line.
What stays yours
The client, the KYC, and the account stay with you. Pulse is the conversion and delivery layer behind your app, internet banking, or branch. The dollar business stays in your bank and earns you revenue.
For your engineers: start with the onramp quickstart and partner fees.