Regulated Fiat-Stablecoin Rails

Mobile money, banks, and USDT/USDC — one regulated rail for individuals, merchants, and treasury teams.

Escrow-backed settlement and regulated custody across Africa, the EU and the UAE.

Mobile Money Bank Transfers USDT USDC Ethereum TRON Solana OTC Desk Escrow Settlement Multisig Security Business Portal Regulated Custody Mobile Money Bank Transfers USDT USDC Ethereum TRON Solana OTC Desk Escrow Settlement Multisig Security Business Portal Regulated Custody

From onboarding to settlement
in four steps.

Onboard once. Then buy, sell, convert, and settle with the same rails whether you are an individual, a merchant, or a treasury desk.

1

Register & Verify

Create an account and complete KYC/KYB. Individuals and businesses are supported with compliance-ready onboarding.

2

Fund your wallet

Deposit fiat via mobile money, card, bank, or receive USDT/USDC to a provisioned wallet on Ethereum, TRON, or Solana.

3

Get a quote and execute

Lock a commercial rate, create an order, and settle through escrow. Merchants and partners can automate the same flow over API.

4

Receive fiat or stablecoins

Get USDT/USDC to your wallet, or fiat to mobile money wallet or bank with full history and webhook notifications.

3
Blockchain networks — Ethereum, TRON & Solana wallets provisioned automatically
24/7
Escrow-backed settlement across mobile money, bank, and stablecoin rails
Multisig
Approval workflows protecting every high-value B2B transfer
Africa · EU · UAE
Corridors covered under a single regulated settlement rail

Built for every flow.

One platform. Three settlement paths. Same infrastructure whether you are converting personal funds, embedding merchant rails, or moving OTC size.

Individuals

Buy & Sell Stablecoins
Convert between mobile money/card/bank and USDT/USDC quickly, with clear quotes and wallet delivery.

Mobile Money Ethereum TRON Solana Low fees
🏦

Merchants & platforms

Embed settlement
Accept USDT/USDC, provision wallets for merchants and sub-merchants, and settle to fiat programmatically.

API-first Webhooks Sub-merchants
🛒

Treasury & OTC

Private high-value execution
Quoted FX, escrow-backed settlement, multisig controls, and bank or mobile money payout options for desk flow.

Commercial FX Escrow Multisig

Everything the desk needs, on one rail.

Beyond buying and selling, EmaalCoin's back office gives admins, treasury, and merchants the tools to price, secure, and account for every transaction.

Multi-chain wallets

Wallets are auto-provisioned on Ethereum, TRON, and Solana for every user and merchant — ready to receive USDT/USDC from the moment they onboard.

🛡

Multisig security

High-value B2B transfers and treasury wallets move only after multi-party approval, with a registered signer set per wallet.

📊

Commercial FX & pricing

Configurable pricing profiles and live FX quotes let treasury control margins on every corridor, with rate history for every trade.

🔒

Escrow-backed settlement

Funds are held in escrow until every leg of a trade confirms — deposits, credits, and payouts are never released early.

🧾

Compliance & audit trail

KYC/KYB onboarding, a full audit log, and exportable reports keep every account and transaction accountable.

🏦

Virtual accounts — COBO & POBO

Dedicated virtual accounts let you collect on behalf of your merchants (COBO) and pay out on their behalf (POBO), with every inflow attributed to the right shop automatically.

COBO POBO
💼

Business Portal

A dedicated back office for merchants — virtual accounts, inflow attribution, and outbound transfer tracking across a sub-merchant network.

Private, high-volume USDT/USDC trading.

EmaalCoin's OTC desk is purpose-built for enterprises, liquidity providers, and traders who need to move large amounts with minimal market impact.

  • Real-time rate quotes with commercial pricing snapshots
  • Multisig approvals for high-value B2B transfers (TRON, Ethereum, and Solana)
  • Escrow-backed settlement — funds held securely until confirmation
  • Bank and mobile money fiat payout options with admin-controlled execution
  • Full audit trail: deposits, credits, and withdrawals all tracked
Open an OTC account
BUY USDT/USDC · 250,000 Completed
SELL USDT/USDC · 85,000 Pending
B2B Transfer · 500,000 Multisig
BUY USDT/USDC · 120,000 Completed

Embed crypto rails into your platform.

From e-commerce checkouts to fintech platforms, the EmaalCoin merchant API gives you everything you need to accept USDT/USDC and manage fiat-stablecoin flows programmatically.

  • Onboard master merchants and sub-merchants with a single API call
  • Auto-provisioned Ethereum, TRON, and Solana wallets per merchant
  • Accept USDT/USDC payments and trigger fiat settlements automatically
  • Webhook notifications for payment confirmations and credits
  • KYC/KYB verification flows built in for compliant onboarding
  • Aggregate liquidity view across all sub-merchant wallets
Register as a merchant
Merchant onboarded KYB ✓
USDT/USDC received · ERC-20 Webhook sent
Fiat settlement Mobile Money B2C
Sub-merchant wallet TRC-20 / SPL

A dedicated back office for merchant treasury operations.

Separate from the trading rail, the Business Portal is where merchants manage their virtual account, reconcile inflows, and track outbound transfers — down to the sub-merchant level.

  • One dedicated virtual account per merchant, shared across the whole sub-merchant tree
  • Inflows automatically attributed to the right shop, down to child sub-merchants
  • Stored ledger and live bank status queries for every outbound transfer
  • Role-based access — separate views for admins, merchant owners, and merchant staff
Sign in to Business Portal
Virtual Account · 7600000217 Active
Inflow attributed · Shop #12 Attributed
Transfer query · Bank Successful
Sub-merchant onboarded Pending KYC

Get every answer.

Still curious how the rails fit together? Here's what people usually ask before they onboard.

What is EmaalCoin?+

EmaalCoin is a regulated fiat-stablecoin rail connecting mobile money, bank transfers, and USDT/USDC across the Africa-EU/UAE corridors, built for individuals, merchants, and treasury desks.

Which blockchain networks are supported?+

Wallets are natively provisioned on Ethereum, TRON, and Solana, so you can send and receive USDT/USDC on whichever network fits your flow.

How is my money protected during a trade?+

Every trade settles through escrow — funds are held securely until both legs of the transaction confirm — and high-value transfers require multisig approval before they move.

What's the difference between EmaalCoin and the Business Portal?+

EmaalCoin is the core trading and settlement rail for buying, selling, and converting between fiat and stablecoins. The Business Portal is a separate back office where merchants manage their virtual account, reconcile inflows, and track outbound transfers.

Can a merchant onboard sub-merchants?+

Yes. A master merchant can onboard sub-merchants — and even child sub-merchants beneath those — all sharing one virtual account, with inflows automatically attributed to the right shop.

Is EmaalCoin regulated?+

Yes — EmaalCoin operates as a regulated entity for fiat-stablecoin movement, with KYC/KYB onboarding and a full audit trail on every transaction.

Ready to move fiat and stablecoins with a regulated partner?

Join individuals, merchants, and treasury teams already using EmaalCoin to move value faster across borders.