# What is Triple-A

Triple-A is a licensed provider of APIs for paying and getting paid in stablecoins and local currencies. This page explains what Triple-A does, who it serves, and why it is licensed to do it.

## Who Triple-A is

Triple-A is a globally licensed financial institution that lets businesses pay and get paid in stablecoins and local currencies. Its APIs give merchants and platforms regulated infrastructure for sending and receiving stablecoins, without running that infrastructure themselves.

Money moves in two directions.

<CardGroup cols={2}>
  <Card title="Money in" icon="arrow-down-to-line">
    Your customer pays in a stablecoin or other digital currency from their wallet. Triple-A confirms the payment and settles to you in your local currency at a guaranteed exchange rate.
  </Card>
  <Card title="Money out" icon="arrow-up-from-line">
    You send payments to individuals or companies. You fund them in local currency or stablecoins, and Triple-A handles conversion and delivery.
  </Card>
</CardGroup>

## What businesses use it for

Businesses use Triple-A for these common cases.

<CardGroup cols={3}>
  <Card title="Checkout" icon="shopping-cart">
    Online retail and marketplace checkout, such as gaming, digital goods, luxury, and online travel agencies
  </Card>
  <Card title="Account top-ups" icon="wallet">
    Neobanks, digital wallets, and trading and investment platforms
  </Card>
  <Card title="Remittances" icon="send">
    Online remittances for money service businesses and remittance platforms
  </Card>
  <Card title="B2B invoices" icon="file-text">
    Invoice-based B2B payments, through payment links
  </Card>
  <Card title="Marketplace payouts" icon="store">
    Payouts to sellers
  </Card>
</CardGroup>

To match these cases to the API that fits, see [Choose your solution](/docs/getting-started/our-solutions/).

## Licensing and compliance

Triple-A is:

- licensed in Singapore under the Monetary Authority of Singapore (MAS)
- licensed in the EU under MiCA, through the central bank of France, and passported across EU member countries
- the holder of Money Transmitter Licenses across 20+ US jurisdictions
- registered as a Money Services Business in the US and Canada, and with FinCEN

Triple-A operates at high international AML and KYC standards, so you don't need to manage those obligations yourself. Triple-A uses a risk-based approach to collect documents from customers where needed. For how that can surface in your integration, see [How the solutions connect](/docs/getting-started/our-solutions/#how-the-solutions-connect).

## Next steps

These pages are the best places to go next.

- [Choose your solution](/docs/getting-started/our-solutions/) to pick the API that fits your use case