Settling on regulated stablecoins · Lugano, Switzerland
Cross-border payments at the speed of a message.
Alpen Pay moves value across borders in minutes by settling on regulated stablecoins — then pays out in local currency. Swiss AML compliance, licensed local payout partners, and FX you can see before you send. You pay in fiat and your beneficiary receives fiat — you never touch crypto.
- < 5 min
- typical corridor settlement
- 3 corridors
- at launch (UAE → TR, PK, SN)
- ~1%
- illustrative all-in margin
Built on infrastructure you can trust
Intended integrations — illustrative- Circle · USDC
- Fireblocks · MPC
- Sumsub · KYC
- Scorechain · analytics
- Licensed local payout partners
One corridor, four steps
Stablecoins do the heavy lifting between currencies. The sender and the receiver only ever touch their own local money.
- 01
Fund in local currency
A business pays in from its own domestic account — USD, AED, EUR — for a specific, identified payment.
- 02
Convert to a regulated stablecoin
That payment triggers a matching, individually identifiable stablecoin purchase at a quoted rate. No pooling — the stablecoin is the rail, not a product you hold.
- 03
Move across the corridor
Value settles on-chain in minutes, 24/7 — no correspondent-bank hops, no cut-off windows.
- 04
Pay out in destination currency
A local partner converts back to fiat and disburses to the beneficiary's bank account or wallet.
Who it’s for
Alpen Pay is built for businesses moving real trade flows across borders — not retail. Initial corridors run from the UAE into Turkey, Pakistan and Senegal, with a licensed local partner handling each destination.
Trading & commodities
Pay international suppliers and counterparties for goods on time, with the FX rate locked before you send — no correspondent-bank delays.
Mining & resources
Move operating funds and settle supplier payments across borders in minutes, 24/7, without multi-day clearing windows.
Construction & infrastructure
Pay contractors, equipment and material suppliers in their local currency, with transparent all-in pricing on every transfer.
Ports & logistics
Settle cross-border operational and vendor payments — typically USD 30k–500k — through a single transparent rail.
Compliance, by design
A payments business lives or dies on its controls. Alpen Pay is being built to operate as a financial intermediary under the Swiss Anti-Money Laundering Act (AMLA), supervised through membership of a FINMA-recognised self-regulatory organisation (SRO). It is not a bank and does not hold a FINMA financial-market licence — the model is designed so that none is required, with AML/CFT obligations baked into the flow, not bolted on.
KYC / KYB onboarding
PlannedIdentity and beneficial-ownership checks for individuals and businesses before the first transfer.
Sanctions & PEP screening
PlannedCounterparties screened against sanctions, PEP and adverse-media lists on every payment.
Transaction monitoring
PlannedRules- and risk-scoring engine flags unusual flows for review; on-chain analytics on every settlement.
Travel Rule messaging
PlannedOriginator/beneficiary data exchanged with counterparties per FATF Travel Rule requirements.
Note: This is a proof-of-concept site. The controls shown are illustrative of the intended program and are not a live, audited, or regulator-approved compliance system. Alpen Pay is establishing its SRO affiliation under AMLA and is not yet operational or authorised to provide financial-intermediary services.
We don’t custody your money
Alpen Pay is a payment service, not a crypto wallet. The stablecoin is a rail we cross on your behalf — you’re never exposed to it, and we never hold client assets. That’s a deliberate design choice, and it’s central to how the business is regulated.
The settlement window
The stablecoin exists only inside this window, as Alpen Pay’s own working capital. Illustrative — the flow, not a live system.
You never hold crypto
You pay in fiat and your beneficiary receives fiat. You hold no stablecoin at any point and have no wallet, balance, or claim to any crypto-asset.
Company working capital only
The stablecoin sits in Alpen Pay’s own MPC-secured wallet only for the minutes between conversion and payout. It is the company’s working capital — not client property.
One purchase per payment
Each payment triggers its own matching, individually identifiable stablecoin purchase. Funds are never pooled or held as inventory on anyone’s behalf.
Refunds in your own currency
If a payment can’t complete, you’re refunded in your original fiat currency and method — never in stablecoin. Your claim is for the payment service, not a token.
One transparent spread. No hidden hops.
You see the rate before you send. No correspondent-bank deductions, no surprise lifting fees on the way.
Starter
For small businesses sending occasional cross-border payments.
- Up to CHF 50k / month
- Same-day corridors
- Email support
- Self-serve onboarding
Business
PopularFor companies with regular payroll and supplier flows abroad.
- Up to CHF 1m / month
- Priority corridors
- Batch payouts & API
- Dedicated onboarding
Enterprise
For platforms and treasuries moving size, programmatically.
- Volume pricing
- Full API & webhooks
- Named account manager
- Custom corridors & SLAs
Frequently asked questions
Is Alpen Pay a live, regulated service?
Not yet. Alpen Pay is the trading name of AlpenPay Finance AG, a company domiciled in Lugano, Switzerland. It is establishing its affiliation with a FINMA-recognised self-regulatory organisation (SRO) under the Swiss Anti-Money Laundering Act (AMLA), and is not yet operational. It is not a bank and does not hold a FINMA financial-market licence. Figures, controls, and partners shown here are illustrative.
Why settle on stablecoins instead of using banks directly?
Stablecoins move value on-chain in minutes, 24/7, without correspondent-bank hops or cut-off windows. You only ever touch your own local currency — each payment triggers its own matching stablecoin purchase, and the stablecoin is the settlement rail in the middle, not the product.
Which corridors are supported?
Initial corridors run from the UAE into Turkey, Pakistan and Senegal, aimed at businesses in trading, mining, construction and logistics. Further emerging-market corridors — and later Swiss/EU outbound — are planned. The local-currency leg in each destination is handled by a licensed local partner, selected through due diligence.
Do you hold my money or take custody of crypto?
No. You pay in fiat and your beneficiary receives fiat — you never hold a stablecoin and have no wallet or crypto claim. The stablecoin exists only briefly as Alpen Pay's own working capital between conversion and payout. If a payment can't complete, you're refunded in your original currency and method, never in stablecoin.
What does it cost?
Pricing is a single transparent margin shown before you send — no correspondent-bank deductions or surprise lifting fees. The indicative tiers on this page are illustrative and not a binding quote.
How do I get access?
We’re onboarding a small group of design partners. Use the “Request access” form and tell us about your corridors and volumes — we’ll be in touch.
Request early access
We’re onboarding a small group of design partners. Tell us about your corridors and volumes and we’ll be in touch.
- Lugano, Switzerland
- shahram@alpen-pay.ch