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Platform Capabilities
Engineered for revenue
Pay
Multi-Asset Checkout
Accept fiat, stablecoins, and loyalty points through a single integration. One checkout, every payment method.
Send and receive
24/7 Global Settlements
Move funds between users, partners, and treasuries near real-time. No banking-hour cutoffs, subject to network conditions.
Earn
Programmable Rewards
Configure rewards tied to your program rules
Credit
Secured Credit
Surface partner credit products against digital assets and verified credentials. Programmable terms.
On-ramp and off-ramp
Fiat Connectivity Across 60+ Markets
Bridge digital assets and traditional finance through licensed on-ramp and off-ramp partners (Currenc and Tranglo) across 60+ supported markets.
Agentic finance
AI payment permissions layer
Turns agent intent into a standardized payment payload, then enforces user-approved mandates and limits with policy, risk, and recipient checks.
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Provided by third-party service providers and facilitated through AIR Money's SDK. Availability subject to partner integration and jurisdiction.
How it works
Modular deployment at enterprise scale
Select your modules
Cards, payouts, on/off-ramp, or rewards. Activate only what you need.
Configure request parameters
Set transaction fees, FX margins, and reward splits. You own the revenue model.
Integrate once
One SDK. Full access to licensed third-party financial services.
Go live globally
Multi-currency rails, localized settlement, and distribution through your existing channels from day one.
Cards
Issue cards. Settle in stablecoins.
Let users spend at any merchant accepting cards. Launch branded card programs with near-real-time settlement, global acceptance, and full reward control.
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Trust
Your brand
Branded virtual and physical cards via licensed card-issuing partners.
Trust
Global acceptance
Accepted at millions of merchants worldwide.
Trust
Your economics
Define rewards, spending controls, and fee structures.
Card issuance, credit decisions, and underwriting are regulated activities performed by licensed card-issuing partners and their sponsoring institutions. AIR Money provides the technology integration layer only.
Use Cases
Embedded Fintech services for every vertical
Why AIR Money
Built for scale. Designed for speed.
AIR Money provides the technology layer that connects your platform to licensed third-party fintech service providers through a single SDK.
Trust
Near-real-time settlement
Eliminate T+2 delays. Move value between users, partners, and treasuries around the clock.
Trust
Global reach
Access cross-border settlement across 60+ countries without the cost and complexity of direct integrations.
Trust
Speed to market
Go from integration to launch in weeks, not years. The AIR Kit SDK handles the infrastructure so your team can focus on product.
Trust
Ecosystem interoperability
Connect to a network of 700M+ users across the Moca Network. Every integration unlocks immediate partner synergies.
Trust & Security
Institutional-grade
infrastructure
Data privacy
Built on privacy-preserving architecture designed to support your GDPR and SOC 2 obligations. User identity is verified without exposing or storing raw personal data.
Regulated partners
All financial services are delivered through licensed, regulated third-party providers in supported jurisdictions.
FAQs
Get answers to the most common questions about AIR Kit
digital identity solutions.
digital identity solutions.
What is AIR Money?
AIR Money is a modular SDK that enables platforms to embed global settlements, programmable payouts, and reward-generating accounts into their product through a single integration.
What is USD8?
USD8 is an institutional-grade stablecoin fully collateralized by US Treasury Bills with verifiable on-chain reserves. It serves as the preferred settlement and rewards currency across AIR Money.
How do platforms generate revenue?
Platforms retain full economic control. Revenue is generated through transaction fees, interchange on card spending, FX margins on cross-border settlements, and reward program economics.
Do I need regulatory licenses?
Financial services are provided by licensed third-party partners. Requirements vary by jurisdiction and module. You should seek independent regulatory advice for your specific use case.
How long does integration take?
2 to 4 weeks. Start with a single module and expand over time.
Is this only for crypto platforms?
No. End users can transact entirely in fiat or loyalty points. The underlying infrastructure is invisible to them.
Drive ecosystem growth with identity data
Build a program where loyalty drives repeat spending.
Capture value at every transaction.
Partner with our team to integrate embedded fintech services that unlock new markets and customer lifetime value.
Stay informed about AIR's latest features and releases.
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AIR Money comprises an SDK which facilitates connectivity with third party payment and money services. In offering AIR Money, we provide technology services only and do not, nor shall we be taken to, offer any financial, banking, payment, settlement or other similar financial services. All such services are provided by third party service providers.