Get paid in seconds,
not days.
Loam moves money between buyers, sellers, and bank accounts across 34 countries — instantly, in stablecoins, at a fraction of traditional cost. Idle working capital earns yield while you wait for the next deal.
Wine. Olive oil. Cocoa. Coffee. Livestock.
Loam settled the first olive oil trade on a public blockchain. Since then — $165k of Zambian farmland on-chain, cocoa from Ondo to Rotterdam, coffee from the Andes. Targeting $40M in transaction volume this year.
Illustrative map of Loam's trade corridors. Cocoa from Lagos to Rotterdam, USD 184,200; coffee from Bogotá to Chicago, USD 12,640; farmland from Lusaka to London, USD 165,000; olive oil from Rome to London, USD 5,019; cocoa from Abidjan to Hamburg, USD 92,450; corn from São Paulo to Shanghai, USD 240,800; coffee from Mombasa to Mumbai, USD 31,200; beef from Buenos Aires to Rotterdam, USD 410,500, each in seconds.
Olive oil settled on-chain
Seconds to settle. $5 in fees.
$165k farmland transfer, Zambia
Smart-contract title transfer. No traditional legal channels.
Cocoa, Nigeria to Rotterdam
12.6% of trade cost reclaimed for producers.
Bank in, USDC across, bank out — no counterparty risk, no weekend hold.
Fund the account
SWIFT or ACH in from any of your existing bank accounts. Converted on arrival.
Pay your counterparty
Send USDC to any verified Loam ID. Settles on-chain in under 5 seconds.
They receive local currency
Their end converts back to USD, EUR, COP, GHS — wherever they bank.
Earn while you wait
Balances sitting between deals go into tokenized T-bills and MMFs earning yield.
What you stop doing.
| Metric | SWIFT / Bank wire | Loam |
|---|---|---|
| Settlement time | 3–7 business days | ~5 seconds |
| Total trade-cost overhead | ~12.6% (cocoa NG to NL) | Up to 12.6% reclaimed |
| Fee per transfer | Variable + FX spread | Under 0.5%, capped |
| Working capital locked up | 3–7 days per deal | Never — moves the same day |
| Idle-balance yield | 0% | Tokenized T-bills & MMFs |
| Counterparty KYB | Your responsibility | Verified on platform |
| Operating hours | 9–6 weekdays only | 24/7, weekends included |
Your working capital shouldn't sit still.
Between deals, balances sit in tokenized money market funds, U.S. T-bills, and short-term credit — fully redeemable, daily yield. It is what a bank should do, and doesn't.
See live yieldsA CFO wouldn't use this if it weren't boring.
KYB on every counterparty
Every entity on Loam has passed Chainalysis-grade verification before they can send or receive.
Segregated custody
Fiat held at tier-1 partner banks. Stablecoins in regulated qualified custody. Never commingled.
Full audit trail
Every action, every settlement, every invoice linked and timestamped. Export anytime for your auditors.
What finance teams ask before they ship.
Still need more? Loam walks through your specific flow on a 30-minute call.
Still have questions? Book a 30-min walkthrough
Start settling in minutes.
KYB verification in under a day. No setup fees. No minimums. No lock-ups.