> ## Documentation Index
> Fetch the complete documentation index at: https://docs.ratiofx.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Introduction

> Asia's stablecoin orchestration layer for institutional cross-border payments

Ratio is a unified API platform for institutional cross-border payments across Asia. With a single integration, you get oracle-based FX pricing, atomic on-chain settlement, and deep stablecoin liquidity — across corridors connecting Indonesia, Singapore, Malaysia, and beyond.

<CardGroup cols={2}>
  <Card title="How It Works" icon="diagram-project" href="/how-it-works">
    Understand the end-to-end architecture of the Stablecoin Orchestration Layer
  </Card>

  <Card title="Integration Guide" icon="code" href="/integration/overview">
    Start integrating the Ratio API — from authentication to settlement
  </Card>

  <Card title="API Reference" icon="book-open" href="/api-reference/overview">
    Complete endpoint reference for quotes, swaps, and webhooks
  </Card>

  <Card title="Supported Corridors" icon="globe" href="/corridors">
    View available currency pairs, stablecoins, and fee tiers
  </Card>
</CardGroup>

## What you can build

**Cross-border payments** — Instant transfers across Asian corridors using stablecoin rails instead of SWIFT or correspondent banking. Settlement in under 1 second vs. 1–3 days via legacy systems.

**Merchant settlement** — Accept any supported stablecoin and instantly convert to a preferred local currency. Ideal for PSPs, marketplaces, and global payout providers.

**On-chain FX** — Near real-world rates with single-digit basis point spreads for both on-chain and off-chain exchanges. No AMM slippage regardless of transaction size.

**Treasury yield** — Deploy idle stablecoin balances into secure yield strategies with real-time redemption.

## Get started in 4 steps

<Steps>
  <Step title="Apply for partnership">
    Contact Ratio to begin commercial evaluation and KYB onboarding. See [Partner Onboarding](/partners/onboarding-process) for the full process.
  </Step>

  <Step title="Receive your API credentials">
    After onboarding, you receive a Partner ID, API key, and sandbox credentials for testing.
  </Step>

  <Step title="Integrate in sandbox">
    Use the sandbox environment (`https://api.sandbox.ratiofx.com/v1`) to build and test your integration end-to-end.
  </Step>

  <Step title="Go live">
    After passing certification tests, your production API key is activated and volume limits are set. See [Going Live](/partners/going-live).
  </Step>
</Steps>

## Key metrics

| Metric              | Value                          |
| ------------------- | ------------------------------ |
| Settlement finality | \< 1 second (Kaia BFT)         |
| Typical spread      | 1–6 bps (corridor-dependent)   |
| Initial markets     | Indonesia, Singapore, Malaysia |
| Blockchain          | Kaia                           |

<Note>
  Ratio is B2B middleware — it serves regulated partners (PSPs, banks, exchanges, remittance operators) rather than retail end users directly. If you're building a product on top of Ratio, start with [Partner Types](/partners/partner-types) to understand which integration track applies to you.
</Note>