Trade large volumes.
Move markets.
Not just money.
Institutional OTC trading for businesses, fintechs, family offices and high-net-worth clients — bespoke pricing, spread validation controls and multi-tranche settlement, from USD 50,000 upwards.
*Settlement is route-dependent; the expected window is stated on every dealer quote.
Quick answer
The KeyBS Pay OTC Desk serves businesses and institutions moving larger FX and settlement flows. You request a quote, a dealer prices the route, and execution follows once terms are confirmed — subject to onboarding, eligibility and compliance review.
Live indicative two-way rates
Indicative two-way prices derived from live market mid-rates with a representative spread. Executable rates are confirmed by a dealer at trade size and locked on acceptance.
Live markets. Dealer-confirmed execution.
Rates are indicative and move with the market. Your executable rate is locked when a dealer confirms your RFQ. All counterparties complete KYB screening before a first trade.
Indicative market data for reference only — your executable rate is locked when a dealer confirms your RFQ.
Submit an RFQ
Currency pair, amount, and settlement window.
Get a locked quote
A dealer confirms a firm rate — typically within minutes, any time. The desk runs 24/7 across its four hubs.
Confirm & fund
Accept the quote and fund via your KeyBS wallet or approved rail.
Settlement confirmation
Funds settle to the receiving account, with a compliance-ready trade confirmation issued automatically.
Institutional liquidity network
KeyBS Pay works with licensed financial institutions, regulated payment partners, and global banking infrastructure providers to facilitate cross-border business payments. Partner identities are disclosed to counterparties under NDA during onboarding.
Banking Partners
Licensed banks providing fiat settlement accounts and wire connectivity across the desk’s corridors.
OTC Counterparties
Vetted institutional counterparties providing two-way pricing depth on large tickets.
Stablecoin Liquidity
USDT and USDC liquidity for on-ramp, off-ramp and treasury settlement legs.
Regional Payout Partners
Regulated payout partners across 48 partner payment rails (local + international).
One desk. Global settlement routes.
Currency & corridor coverage
Rates are indicative and move with the market — your final rate is locked when a dealer confirms your RFQ.
| Corridor | Sample pairs |
|---|---|
| Africa → China | GHS/CNYNGN/CNYUSDC/CNY |
| Africa → Gulf | GHS/AEDUSDC/AEDUSD/AED |
| Africa → US/EU | GHS/USDNGN/USDGHS/EUR |
| Stablecoin settlement | USDC/USDUSDT/USDUSDC/USDT |
Institutional services
Large OTC Trades
Block-size FX and stablecoin conversion at one dealer-confirmed rate.
Treasury Management
Multi-entity, multi-currency treasury with institutional tooling.
FX Hedging
Forwards and hedging strategies against corridor volatility.
Stablecoin Liquidity
USDT/USDC treasury, on/off-ramp and settlement liquidity.
Cross-Border Settlement
Settlement across 48 partner payment rails (local + international).
Supplier Payments
Verified beneficiary payouts across trade corridors.
Corporate Treasury
Global accounts, balances and conversion under one roof.
Market Making
Two-way pricing programs for qualifying platforms.
Liquidity Solutions
On-demand settlement liquidity through the credit facility.
Escrow
Funds release only when delivery conditions are met.
Why an OTC desk instead of an exchange?
An OTC desk negotiates a single, firm rate for your full trade size before you commit funds; a public exchange fills your order against whatever liquidity is available, which can move the price against you on large trades — a cost known as slippage.
| Feature | OTC Desk | Public exchange |
|---|---|---|
| Pricing | Single negotiated rate for full trade size | Fills across order book — price can move mid-trade |
| Large-size impact | No visible market impact | Large orders can move the price (slippage) |
| Minimum size | Built for high-value trades | No minimum, but not optimized for size |
| Counterparty | KYB-verified, known desk | Anonymous order-book counterparties |
| Settlement | Same-day to T+1, confirmed | Instant on-exchange, but off-ramping fiat adds time |
| Documentation | Compliance-ready trade confirmation issued | Exchange statement only — not tailored for audit/tax |
| Discretion | Trade is private, dealer-negotiated | Order visible on public book |
Industries we serve
Importers
Lock rates before paying overseas suppliers, protecting landed-cost margins.
Exporters
Convert incoming foreign-currency receipts without retail-spread drag.
Mining
Settle high-value equipment purchases and offtake payments across corridors.
Commodities & Gold Trading
Purpose-built for Africa–Gulf trade finance and bullion-linked settlement.
Corporate Treasury
Manage multi-currency and stablecoin balances at institutional pricing.
Logistics
Settle freight, customs, and cross-border vendor payments on predictable timelines.
Manufacturing
Hedge input-cost currency exposure on imported raw materials and machinery.
Settlement rails our partners connect to
Security & compliance
Every OTC counterparty is verified through KeyBS Trust Intelligence KYB screening before a first trade. KEYBS FINANCE LLC is registered with FinCEN as a U.S. Money Services Business (MSB), Registration No. 31000337575912 — the registration lists money transmission, dealing in foreign exchange and other MSB activity — and operates under a documented AML/CTF compliance program. Trade confirmations and settlement records are retained for audit and regulatory reporting.
Backed by the same compliance infrastructure trusted across KeyBS Pay’s cross-border network.
Need liquidity before settlement lands?
The Settlement Facility gives you on-demand credit for prefunding, instant settlement, and payouts — pairs directly with OTC Desk trades.
Downloadable resources
Settlement Guide
Funding methods, settlement windows by corridor, trade confirmation contents, reconciliation.
Corporate treasury & finance teams
AML Overview
KYB verification standards, FinCEN MSB registration (No. 31000337575912), and counterparty documentation.
Compliance & legal reviewers
OTC Process Guide
RFQ-to-settlement walkthrough with timelines and a first-trade checklist.
New counterparties onboarding
OTC Desk — frequently asked questions
What is the minimum trade size for the OTC Desk?
The desk is built for high-value trades — typically USD 50,000 or equivalent per transaction. Contact the desk for corridor-specific minimums.
How fast is settlement?
Most trades settle same-day to T+1, depending on the currency pair, corridor, and funding rail used.
Which currencies and stablecoins are supported?
Major and African fiat currencies (including USD, EUR, GBP, GHS, AED, CNY) alongside USDC and USDT, across KeyBS Pay’s supported corridors.
Is the rate I see on the page the rate I’ll get?
The rates shown are indicative and move with the market. Your final rate is locked when a dealer confirms your RFQ.
Do I need to be an existing KeyBS Pay customer to use the OTC Desk?
No — the OTC Desk is available to verified businesses. New counterparties complete KYB screening through KeyBS Trust Intelligence before their first trade.
What hours is the desk open?
The Trade Desk operates around the clock, with coverage handed off across Montana (USA), Dubai, Accra, and Lagos, so RFQs are picked up live regardless of when they’re submitted.
What is the Settlement Facility, and how is it different from the OTC Desk?
The OTC Desk executes large-scale currency and stablecoin trades at negotiated pricing. The Settlement Facility is a credit line that provides on-demand liquidity — prefunding, instant settlement, and card network payouts — so funds are available before a trade or payout would otherwise clear.
Ready to move volume without moving the market?
Request a quote and a dealer will respond directly.