Echo Money is a financial infrastructure platform for businesses operating across multiple markets and currencies. Users can issue multi-currency accounts, initiate cross-border payments with sub-minute settlement, and convert between stablecoins and local fiat through a single API. The platform routes each payment through the optimal local rail—UPI, PIX, M-Pesa, SEPA Instant, or stablecoin corridors—and includes automated reconciliation, a double-entry ledger, and treasury management tools.