{
  "ok": true,
  "updated": "2026-05-25",
  "notes": "Inbound/outbound payment rails infr can route over. Fees and limits as of 2026-05; verify before live billing.",
  "rails": [
    {
      "id": "tempo-usdc",
      "name": "Tempo (USDC)",
      "kind": "stablecoin",
      "settles_in": "USDC",
      "recipient_kind": "wallet",
      "speed_seconds": 3,
      "fee_fixed_usd": 0,
      "fee_pct": 0,
      "min_usd": 0.001,
      "max_usd": 1000000,
      "kyc_level": "none",
      "geo_blocked": [
        "US-sanctions",
        "OFAC"
      ],
      "docs": "https://docs.tempo.xyz",
      "best_for": [
        "agent micropayments",
        "inbound treasury",
        "near-zero fee transfers"
      ]
    },
    {
      "id": "x402-base-usdc",
      "name": "x402 (USDC on Base)",
      "kind": "stablecoin",
      "settles_in": "USDC",
      "recipient_kind": "wallet",
      "speed_seconds": 5,
      "fee_fixed_usd": 0.0001,
      "fee_pct": 0,
      "min_usd": 0.001,
      "max_usd": 100000,
      "kyc_level": "none",
      "geo_blocked": [
        "OFAC"
      ],
      "docs": "https://x402.org",
      "best_for": [
        "agent flows",
        "HTTP 402 integrations"
      ]
    },
    {
      "id": "stripe-card",
      "name": "Stripe (card)",
      "kind": "card",
      "settles_in": "USD",
      "recipient_kind": "stripe-account",
      "speed_seconds": 1,
      "fee_fixed_usd": 0.3,
      "fee_pct": 0.029,
      "min_usd": 0.5,
      "max_usd": 1000000,
      "kyc_level": "light",
      "geo_blocked": [],
      "docs": "https://stripe.com",
      "best_for": [
        "humans without a wallet",
        "instant card auth"
      ]
    },
    {
      "id": "stripe-ach",
      "name": "Stripe ACH",
      "kind": "bank",
      "settles_in": "USD",
      "recipient_kind": "stripe-account",
      "speed_seconds": 259200,
      "fee_fixed_usd": 0,
      "fee_pct": 0.008,
      "min_usd": 1,
      "max_usd": 1000000,
      "kyc_level": "light",
      "geo_blocked": [],
      "docs": "https://stripe.com/payments/ach",
      "best_for": [
        "large amounts",
        "low-fee bank transfer"
      ]
    },
    {
      "id": "coinbase-onramp",
      "name": "Coinbase Onramp (fiat→USDC)",
      "kind": "onramp",
      "settles_in": "USDC",
      "recipient_kind": "wallet",
      "speed_seconds": 60,
      "fee_fixed_usd": 0,
      "fee_pct": 0.01,
      "min_usd": 5,
      "max_usd": 25000,
      "kyc_level": "full",
      "geo_blocked": [],
      "docs": "https://docs.cdp.coinbase.com/onramp",
      "best_for": [
        "US users adding funds"
      ]
    },
    {
      "id": "moonpay-onramp",
      "name": "MoonPay (fiat→USDC)",
      "kind": "onramp",
      "settles_in": "USDC",
      "recipient_kind": "wallet",
      "speed_seconds": 60,
      "fee_fixed_usd": 0,
      "fee_pct": 0.035,
      "min_usd": 20,
      "max_usd": 50000,
      "kyc_level": "full",
      "geo_blocked": [],
      "docs": "https://moonpay.com",
      "best_for": [
        "global users adding funds"
      ]
    },
    {
      "id": "stripe-crypto-onramp",
      "name": "Stripe Crypto Onramp",
      "kind": "onramp",
      "settles_in": "USDC",
      "recipient_kind": "wallet",
      "speed_seconds": 60,
      "fee_fixed_usd": 0,
      "fee_pct": 0.015,
      "min_usd": 5,
      "max_usd": 10000,
      "kyc_level": "light",
      "geo_blocked": [],
      "docs": "https://crypto.stripe.com",
      "best_for": [
        "Stripe Link wallet autofill users"
      ]
    },
    {
      "id": "lightning-btc",
      "name": "Lightning (BTC)",
      "kind": "stablecoin",
      "settles_in": "BTC",
      "recipient_kind": "lightning-address",
      "speed_seconds": 2,
      "fee_fixed_usd": 0.001,
      "fee_pct": 0,
      "min_usd": 0.001,
      "max_usd": 50000,
      "kyc_level": "none",
      "geo_blocked": [
        "OFAC"
      ],
      "docs": "https://lightning.network",
      "best_for": [
        "sub-cent micropayments",
        "non-US agents"
      ]
    },
    {
      "id": "peer-zkp2p-onramp",
      "name": "Peer ZKP2P (Venmo, Revolut, Wise, Cash App…)",
      "kind": "onramp",
      "settles_in": "USDC|ETH|multi",
      "recipient_kind": "wallet",
      "speed_seconds": 120,
      "fee_fixed_usd": 0,
      "fee_pct": 0.02,
      "min_usd": 5,
      "max_usd": 10000,
      "kyc_level": "light",
      "geo_blocked": [],
      "docs": "https://docs.peer.xyz/developer/integrate-zkp2p/integrate-redirect-onramp",
      "best_for": [
        "P2P fiat onramp",
        "users without cards",
        "widest payment platform coverage"
      ]
    }
  ]
}