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Rach is a set of building blocks. Most businesses start with one and add the next when they need it. Each recipe below names the products involved and links to the page that shows the exact calls.
Rach has two APIs with separate keys: Payments (gateway, wallets, swap, airtime, market data) and CaaS (stablecoin accounts and escrow). See Two products, two API keys.

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Accept stablecoin payments

For: online stores, SaaS, invoicing, marketplaces taking payment. Create a checkout per order and send the customer to Rach’s hosted page, or render your own with a deposit address. The customer pays USDT or USDC on any of nine networks; you get a signed payment.confirmed webhook once it is final, and the funds land in your balance.

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Give every customer a wallet

For: exchanges, neobanks, games, loyalty apps — anything where your users hold balances. Wallet-as-a-Service derives an HD wallet per customer on 13 networks. Rach’s monitor watches every address around the clock and fires a webhook for each deposit; you send transfers out through the same API.

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Move money by phone number

For: remittance, payroll, cross-border B2B, super-apps. CaaS gives each of your users a stablecoin account keyed by phone number. Fund it, send to anyone by number, and cash out to local fiat — or run pure non-custodial USDC/USDT wallets.

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Hold funds until both sides deliver

For: marketplaces, freelance platforms, P2P trading, B2B trade. Embedded escrow locks a buyer’s stablecoins until the deal completes, with release, refund and dispute resolution built in.

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Sell airtime, data, gift cards and bills

For: telco resellers, wallets and fintechs adding everyday payments. One API for mobile top-ups, data bundles, gift cards and utility payments, drawn from a prepaid balance you fund with stablecoins — at a margin you set.

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Swap, price and convert

For: treasury, trading desks, apps that show live prices. Same-chain and cross-chain token swaps with quotes and slippage protection, and top-250 coin prices over REST and a real-time WebSocket.

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Run it as a team

Every product sits in one business workspace: invite teammates with roles (owner, admin, manager, developer, finance, viewer), create test and live API keys, set webhook endpoints, and see one dashboard across products.

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See it before you build

Book a guided walkthrough of a fully populated workspace, or start straight away with test keys — see Sandbox & demo.