Railsr competitors for a branded stablecoin app
Among Railsr competitors, Unigox builds a stablecoin app under your brand, with USDT and USDC balances customers top up and cash out by bank transfer or mobile money. For cards and IBANs, stay with Railsr, now part of Equals.
When to stay with Railsr
Your customers expect a payment card
Through Equals you can issue Visa and Mastercard cards under your brand, physical, virtual or tokenised for Apple Pay and Google Pay. PayrNet, the firm behind Railsr cards, is a principal Visa and Mastercard issuer for the UK and Europe.
You need IBANs and UK or EU payment rails
Equals opens multi-currency IBAN accounts, issues a virtual IBAN per client, pays by Faster Payments, CHAPS, SEPA, SEPA Instant and SWIFT, and accepts up to 10,000 payment requests through its API for bulk payouts.
Your programme already runs on Railsr
Your customers' cards and IBANs sit with PayrNet, now part of Equals. Railsr said the merger would not change existing products straight away. If you only want local payouts and collections settled in USDT or USDC, the Payments API adds them to the app you already run.
See the Payments API
Railsr, now part of Equals, next to a Unigox app
| Topic | Railsr | Unigox |
|---|---|---|
| Who you deal with | Equals. Railsr has merged with Equals Money, and railsr.com's product and developer pages now open equalsmoney.com. | Unigox, which builds the app and supplies the wallet, local payments and identity checks in it. |
| How the app gets built | Three routes: your team builds on the Equals API, you take a white-label mobile or web app with no development, or you mix the two. | Unigox builds the mobile app and its App Store and Google Play listings, under your brand and developer account. A business with its own licence can take a technology licence and run compliance itself. |
| What customers hold | Accounts with multi-currency IBANs. Funds are safeguarded at Tier 1 banks, not covered by the FSCS. | USDT or USDC in a Unigox Wallet. EUR and GBP accounts in each customer's own name are added on request once your company passes KYB. |
| Cards | Visa and Mastercard, physical, virtual and tokenised, with Apple Pay, Google Pay and Samsung Pay. | None. The app's listed features are the wallet, local payments, identity checks and support after launch. |
| Money in and out | Faster Payments, CHAPS, SEPA, SEPA Instant and SWIFT. USDC can be accepted and received as USD. | Customers buy and sell USDT or USDC with the bank transfer and mobile money methods available where they live. Launch markets are agreed during planning. |
| Price and launch time | Fees are set per client and not published. Equals says a white-label launch takes weeks. | From $25,000 setup, a $7,500 monthly minimum and a 20% revenue share, on a 12-month first term. Launch is planned within one month for the agreed scope; store review can move the date. |
| Regulation | Railsr services are provided by PayrNet Limited, an e-money institution authorised by the UK FCA (FRN 900594), part of Equals. | Unigox works through two companies: UNIGOX NETWORK CORP. in Canada handles the local-money side and is registered with FINTRAC as a money services business and with the Bank of Canada as a payment service provider; UNIGOX NETWORK CORP. in Panama handles the crypto side, including wallets and escrow. |
UnigoxSwitch from Railsr to your own Unigox app
Scope the app on a call
Say who your customers are, which countries they live in and what the first version must do. We answer with the launch markets, the account services we can add and the price.
Pass Unigox KYB
Your company sends its registration, ownership, source-of-funds and intended-use documents. Checks done for Railsr or Equals do not transfer to Unigox.
Launch beside your Railsr programme
Send your brand materials and your App Store and Google Play developer account. We build the app and you review it before launch. Customers sign up in it with email and an identity check; their Railsr cards and IBANs do not move across, so both run until they switch.
Questions about Railsr competitors
Which Railsr competitors build a stablecoin app for you?
Most Railsr competitors sell the same building blocks Railsr does: accounts, cards and payment rails, through an API or a white-label app. Unigox builds a money app under your brand where customers hold USDT or USDC and buy or sell it with local payment methods. Railsr, through Equals, can accept USDC for you and pay it out as USD.
Where did the Railsr API go, and what does the Unigox API cover?
Railsr's developer link now opens equalsmoney.com, and the Equals API docs describe API keys issued at onboarding, a sandbox and IP allowlisting. The Unigox Payments API adds local payouts and collections settled in USDT or USDC, with a sandbox that has the same endpoints as production, opened after KYB and setup.
See the Payments APIIs Railsr still running after the Equals merger?
Yes. Railsr told clients they could keep using it as before. Equals now says Railsr accounts, cards and payments are provided by PayrNet Limited, part of Equals, and Railsr's product, developer and sales pages open equalsmoney.com.
Scope a stablecoin app for your brand
Tell us who uses your Railsr programme today and where they live. We confirm the app's features, the launch markets and the price before you sign.
Railsr, Equals and other names and logos are trademarks of their respective owners. Unigox is not affiliated with, endorsed or sponsored by them. Information about other companies comes from public sources, mainly the companies' own websites, and each company can change its products and fees at any time.