Where money lands
Payout rails,
Payout rails,
and what you need
Every rail Avvio settles on today: the network behind it, how quickly it lands, and the one detail you need from your recipient.
16 rails, settling on local networks
| Destination | Network | Speed | What you need | Currency |
|---|---|---|---|---|
 Brazil |
Pix | Instant | Pix key or CPF | BRL |
 India |
UPI | Instant | UPI ID or account + IFSC | INR |
 Mexico |
SPEI | Instant | CLABE | MXN |
 Philippines |
InstaPay | Instant | Bank account or e-wallet | PHP |
 Nigeria |
NIP | Instant | NUBAN account | NGN |
 UK |
Faster Payments | Instant | Sort code + account | GBP |
 Indonesia |
BI-FAST | Instant | Bank account number | IDR |
 Thailand |
PromptPay | Instant | PromptPay ID or account | THB |
 Hong Kong |
FPS | Instant | FPS ID, phone or account | HKD |
 Europe |
SEPA | Same day | IBAN | EUR |
 US |
ACH & wire | Same day | Routing + account | USD |
 UAE |
Local transfer | Same day | IBAN | AED |
| PayPal | Balance transfer | Instant | Their PayPal email | Local |
 Venmo |
Balance transfer | Instant | Their Venmo handle | USD |
 Push to card |
Visa Direct | Instant | Their debit card | Local |
 SWIFT |
Bank to bank | Same day | IBAN or account + BIC | Any |
Payouts reach 150+ countries and 60+ currencies. The rails above are the ones with named local networks — everywhere else settles by SWIFT.