Global Payments

Linka's cross-border payment infrastructure allows companies to move value between different countries in Latin America (and to/from the USA) without the delays and high costs of the SWIFT network.

The Core Advantage

Traditional cross-border banking in LatAm is often "double-converted":

1. Local Currency → USD
2. USD → Destination Local Currency

Linka uses stablecoins (USDC/USDT) as the Atomic Transport Layer. This eliminates the middle-man correspondent bank and reduces total fees by up to 80%.

1. Finding a Corridor

Before initiating a payment, ensure the corridor is supported.

GET /v1/payments/corridors

Supported Routes:

• USA (USD) → Mexico (MXN)
• USA (USD) → Chile (CLP)
• Mexico (MXN) → Chile (CLP)
• Chile (CLP) → Peru (PEN)

2. Requesting a Cross-Border Quote

This provides a guaranteed landing amount in the destination currency.

POST /v1/payments/quotes
{
  "source_currency": "USD",
  "target_currency": "CLP",
  "amount": "1000.00",
  "side": "source"
}

Response Example:

{
  "quote_id": "qte_998877",
  "source_amount": "1000.00",
  "target_amount": "980540.00",
  "fee": "5.00",
  "rate": "980.54"
}

3. Registering the Recipient

Cross-border payments require specific recipient details depending on the country.

POST /v1/recipients
{
  "name": "Recibe Todo S.A.",
  "country": "CL",
  "details": {
    "bank_name": "Banco Santander",
    "account_number": "123456789",
    "rut": "76.123.456-K"
  }
}

4. Executing the Payment

POST /v1/payments/cross-border
{
  "quote_id": "qte_998877",
  "recipient_id": "rec_554433"
}

Settlement Timelines

Reconciliation

Every payment returns a tracking_id. Use this ID to display a progress bar to your users or to reconcile transactions in your internal ledger.

Webhook: payment.settled

Sent the moment our local partner account in the destination country confirms the fiat has been disbursed to the recipient.