Lake / Convert
Convert
Stablecoin ↔ fiat conversion routed through Bridge. Non-refundable rails only.
You send Min 10 · Max 250,000
You receive Estimated
Payout method
Rate1 USDC = 0.9983 USD
Bridge fee0.10%
RailWire · Fedwire
Quote expiresin 28s

Lake only supports non-refundable payment rails through Bridge: wire, SEPA Instant, and on-chain transfer. Card and ACH pull are intentionally unavailable.

Supported pairs
3 stablecoins · 2 fiat currencies
USDCUSD Coin
USDC
NetworksBase · ETH · Polygon
FiatUSD · EUR
USDTTether
USDT
NetworksETH · Tron
FiatUSD
PYUSDPayPal USD
PYUSD
NetworksEthereum · Solana
FiatUSD
$US Dollar
USD
RailsWire (Fedwire)
RefundableNo
€Euro
EUR
RailsSEPA Instant
RefundableNo
Transactions
All transfers routed through your Lake account.
Description
Rail
Amount
Status
Convert USDC → USD
Jun 14 · 0x8f3a…2a91
Wire · Fedwire
998.30 USD
Settled
Convert EUR → USDC
Jun 14 · IBAN GB29…1234
SEPA Instant
1,083.05
Complete
Convert PYUSD → USD
Jun 13 · Solana
Wire · Fedwire
420.00 USD
In flight
Convert USD → USDT
Jun 11 · Ethereum
Wire · Fedwire
750.00
Awaiting wire
Convert USDC → EUR
Jun 10 · Base
SEPA Instant
500.00 EUR
Complete
Convert USDT → USD
Jun 9 · Tron
Wire · Fedwire
1,000.00 USD
Settled
Convert EUR → PYUSD
Jun 5 · IBAN GB29…1234
SEPA Instant
271.40
Rejected
Convert USDC → USD
May 28 · Base
Wire · Fedwire
500.00 USD
Complete
Accounts
Linked bank accounts and wallets used for routing.
Bank accounts
JP
Chase
Routing ••4421 · USD
Wire
RV
Revolut
IBAN GB29…1234 · EUR
SEPA Instant
MC
Mercury
Account ••8810 · USD
Wire
Wallets
L
Primary smart wallet
0x8f3a…2a91b4c5 · Base
Active
Settings
Routing, security, and workspace preferences.
Security
Passkey for sensitive actions
Require a passkey to start a ramp or sign a conversion quote.
Withdrawal allowlist
Only allow outbound transfers to pre-approved addresses.
Session timeout
Sign out after 30 minutes of inactivity.
Routing
Default stablecoin
Used for ramp destinations and quotes.
Default network
Used when an explicit network isn't specified.
Auto-convert on receipt
Convert incoming fiat to your default stablecoin automatically.
Workspace
Mode
Demo · Sandbox · olek@lake.fi
API keys
Use these keys to authenticate against the Lake REST API.
Sandbox keys
Publishable
pk_sandbox_8f3a91b4c5e2d6f0a72c11dd
Secret
sk_sandbox_••••••••••••••••••••••••
Quickstart
cURL
# Quote a stablecoin → fiat conversion curl https://api.lake.fi/v1/quotes \ -u sk_sandbox_xxxx: \ -d source=USDC \ -d target=USD \ -d amount=1000 \ -d rail=wire
Webhooks
Add endpoint
WH
https://api.acme.dev/lake/events
5 events · last ping 2m ago
Live
Docs
Guides, references, and integration examples.

Getting started

Set up your first sandbox workspace, link a test bank account, and route a conversion in five minutes.

Read guide →

API reference

Every endpoint, parameter, and response. Built around quotes, transfers, accounts, and webhooks.

Browse reference →

Supported stablecoins

USDC, USDT, PYUSD and EURC — issuers, networks, settlement times, and per-asset limits.

View matrix →

Bridge integration

How Lake passes transfers through Bridge's licensed entities without ever holding funds.

Read architecture →

Webhooks

Receive events when a transfer is created, signed, or settled. Includes signature verification.

Read guide →

Security model

Smart-wallet architecture, passkey signing, allowlists, and how Lake never custodies funds.

Read whitepaper →
Help
Common questions and ways to reach the team.

What is pass-through?

Lake routes every transfer between your bank and your wallet through Bridge. We never hold funds or keys.

Read more →

Rails & timing

Wire settles same-day on Fedwire. SEPA Instant clears in seconds. On-chain finalizes after network confirmations.

See timing →

Fees

Bridge charges 0.10% per conversion. Network fees apply on-chain. No monthly fee in demo.

View pricing →

Contact support

Reach the team at help@lake.fi — same-day response during weekdays.

Email support →
Sandbox prototype