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# Global Fiat Payouts

> Send payments to recipients in 45+ countries via local payment rails

Latitude Global Fiat Payouts lets you send funds from USD or stablecoins to recipients across the world. We handle currency conversion, compliance, and last-mile delivery through local payment networks so funds arrive quickly and reliably.

## How It Works

1. **Prefund your account** with USD via wire transfer
2. **Create a recipient** with their financial account details (bank account, digital wallet, etc.)
3. **Optionally get a quote** to lock an exchange rate and fee for 2 minutes
4. **Create a transfer** to send funds to the recipient
5. **Track the transfer** via webhooks or polling

Transfers are typically completed within minutes, depending on the destination country and payment method. See the [API basics](/api-basics) for authentication, idempotency, and other fundamentals.

## Supported Countries

### Latin America

| Country   | Currency | Payment Method                      | Status | Settlement       |
| --------- | -------- | ----------------------------------- | ------ | ---------------- |
| Argentina | ARS      | Bank Transfer (CBU/CVU)             | Live   | Real-time + 24/7 |
| Brazil    | BRL      | PIX                                 | Live   | Real-time + 24/7 |
| Colombia  | COP      | Bre-B, Bank Transfer                | Live   | Real-time + 24/7 |
| Mexico    | MXN      | SPEI                                | Live   | Real-time + 24/7 |
| Chile     | CLP      | Bank Transfer                       | Beta   | T+0              |
| Ecuador   | USD      | Bank Transfer                       | Beta   | T+0              |
| Peru      | PEN      | Bank Transfer, Wallets (Yape, Plin) | Beta   | T+0              |
| Uruguay   | UYU      | Bank Transfer                       | Beta   | T+0              |

### Europe

| Country                  | Currency | Payment Method         | Status | Settlement       |
| ------------------------ | -------- | ---------------------- | ------ | ---------------- |
| SEPA zone (31 countries) | EUR      | SEPA, SEPA Instant     | Live   | Real-time + 24/7 |
| United Kingdom           | GBP      | Faster Payments, CHAPS | Live   | Real-time + 24/7 |

**SEPA zone countries:** Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, and Switzerland.

### Middle East & Africa

| Country  | Currency | Payment Method               | Status | Settlement                      |
| -------- | -------- | ---------------------------- | ------ | ------------------------------- |
| Kenya    | KES      | Bank Transfers, Mobile Money | Beta   | Real-time + 24/7 (mobile money) |
| Ghana    | GHS      | Bank Transfer, Wallets       | Beta   | Real-time + 24/7                |
| Tanzania | TZS      | Bank Transfer, Wallets       | Beta   | Real-time + 24/7                |
| Cameroon | CFA      | Bank Transfer, Wallets       | Beta   | Real-time + 24/7                |

### Asia Pacific

| Country     | Currency | Payment Method         | Status | Settlement                                      |
| ----------- | -------- | ---------------------- | ------ | ----------------------------------------------- |
| India       | INR      | UPI, Bank Transfer     | Live   | Real-time + 24/7                                |
| Philippines | PHP      | InstaPay, PESONet      | Live   | Real-time + 24/7                                |
| Thailand    | THB      | Bank Transfer, Wallets | Beta   | Real-time + 24/7                                |
| Vietnam     | VND      | Bank Transfer, Wallets | Beta   | Real-time + 24/7 (wallets), T+0 (bank transfer) |

> **Beta** markets are in early stages. There may be a waitlist to get onboarded and smaller volume limits to start. Contact us for access.

## Key Features

### Rate Locking with Quotes

Use the Quotes API to lock an exchange rate and fee for 2 minutes before committing to a transfer. This gives your end users price certainty. Alternatively, you can skip the quote and create a transfer directly at the market rate.

### Real-Time Tracking

Subscribe to webhooks to receive real-time notifications when transfers are created, completed, or failed. You can also poll the Transfers API for status updates. See [API basics](/api-basics) for webhook setup.

## Integration Guides

* [Global payouts integration guide](/integration-guides/global-payouts-integration-guide) — Full walkthrough of the transfers API with code examples
* [Country-specific details](/integration-guides/country-specific-details) — Recipient requirements and financial account formats by country