Oobit has introduced a new infrastructure layer that allows users to send stablecoins from self-custody wallets directly into local bank accounts with near-instant settlement.
Announced on February 23, 2026, Oobit’s Wallet-to-Bank feature effectively removes the “banking wall” that typically delays crypto-to-fiat conversions. By bypassing the slow and costly legacy correspondent banking (SWIFT) system, Oobit routes transactions through local real-time payment rails such as SEPA (Europe), ACH (USA), SPEI (Mexico), PIX (Brazil), and INSTAPAY (Philippines).
The service is powered by Oobit Depay technology, which allows the assets to remain in the user’s own wallet (like Metamask, Trust Wallet, or Phantom) until the exact moment of transaction authorization. Users can see the real-time conversion rate and exactly how much fiat will arrive in the destination account before confirming. This “final mile” solution is aimed at freelancers, international businesses, and the global remittance market.
“If crypto cannot reach a bank account in real time, it cannot function as everyday money,” says Amram Adar, CEO of Oobit.
🧭 FAQs
Which local payment networks are supported at launch? The system currently supports SEPA (EU), ACH (USA), SPEI (Mexico), PIX (Brazil), and INSTAPAY (Philippines).
Which fiat currencies can I receive? Payouts are initially available in USD, EUR, MXN, and PHP, with more markets expected to follow.
Is this a custodial service? No. Oobit utilizes a non-custodial architecture, meaning you initiate the transfer directly from your own external wallet without depositing funds into an exchange first.
What are the transfer limits and fees? Minimums range from roughly $10 to $100 depending on the region, with a maximum limit of $50,000. Fees generally consist of a 1% transaction fee (min $1) plus a small conversion spread.