Stablecoin In. INR Out. Every Indian Bank.
Zoflo connects global businesses to 78+ Indian banks through a single API. Send USDT or USDC — your beneficiary receives INR in their bank account within minutes. FEMA-compliant. Escrow-settled. Battle-tested.
Indian Banks Connected
Payout Success Rate
Volume Settled
Avg. Settlement (IMPS)
Why Global Businesses Choose Zoflo for India Payouts
Full India Bank Coverage
Connected to 78+ banks including SBI, HDFC, ICICI, PNB, Axis, and 73+ others. IMPS for real-time payouts, NEFT for batch settlement, RTGS for high-value transfers. One integration covers the entire Indian banking network.
Stablecoin-Native Rails
Send USDT or USDC on Ethereum, Polygon, Tron, Arbitrum, or Base. Zoflo handles the conversion at OTC-benchmarked rates and settles INR directly to the beneficiary’s bank account. No order-book exposure, no spread risk.
Compliant by Architecture
Zoflo operates a payout-only model within India’s regulatory framework. All settlement flows through a licensed escrow structure with full segregation of funds, daily reconciliation, and complete audit trails. We do not collect money in India — we only disburse.
How INR Payouts Work
Send Stablecoin
You send USDT or USDC to Zoflo’s designated wallet address via API or dashboard.
Provide Beneficiary Details
Provide beneficiary details: full name, bank account number, IFSC code, and INR amount.
Conversion
Zoflo converts stablecoin to INR at OTC-benchmarked rate (pegged to mid-market/IBR).
INR Disbursement
INR is disbursed to the beneficiary’s bank account via IMPS, NEFT, or RTGS.
Real-Time Confirmation
Real-time confirmation with UTR (Unique Transaction Reference) number returned via webhook + dashboard.
Zoflo vs. Order-Book Exchanges vs. Traditional Banking
Platform Specs
Instant
1–4 hours
2–5 business days
78+ banks
Limited (5–10)
Correspondent-dependent
OTC (pre-negotiated)
Order-book (variable)
FX markup + fees
USDT + USDC (5 chains)
Limited chains
Fiat only
Exchange hours
FEMA-compliant escrow
Exchange license required
SWIFT/correspondent
Auto-retry + 24hr return
Manual
3–7 day reversal
Single endpoint
Complex
None (manual)
Built for Cross-Border Businesses Paying Into India
Gig & Freelance Platforms
Pay Indian contractors directly to their bank accounts. No intermediary wallets, no manual payroll runs. API-triggered disbursements at scale — from one payout to thousands per day.
Crypto Exchanges & OTC Desks
Offer your users a reliable India offramp. Accept stablecoins, deliver INR. Pre-negotiated OTC rates eliminate slippage. White-label the payout flow under your brand.
Cross-Border Payroll & HR Tech
Settle monthly payroll, bonuses, and reimbursements to Indian employees of global companies. Batch processing via API with full reconciliation reports for finance teams.
Marketplaces & E-Commerce
Settle with Indian sellers and suppliers in INR. Automated payout scheduling, real-time UTR confirmations, and a dashboard your ops team can audit independently.
— Head of Payments, Global Gig Platform
Common Questions
With our API, most businesses are live and processing payouts within 24 hours.
Yes. Zoflo operates a payout-only model within India's regulatory framework, with licensed escrow structure and full FEMA compliance.
We support USDT and USDC on Ethereum, Polygon, Tron, Arbitrum, and Base.
End-to-end time from wallet funding to INR in beneficiary bank is typically under 30 minutes via IMPS.