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PIK’s FX Conversion engine lets you convert balances between supported currencies directly within your PIK wallet — at institutional-grade rates, 24 hours a day, 365 days a year. No external exchange needed.

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Conversion Methods Compared

MethodHow It WorksRateBest For
Rates (live)Converts immediately at the current market rateLive at time of submissionHigh-volume automated workflows
Quotes (firm)Request a rate first; rate is locked for a validity windowLocked — guaranteed for the validity periodLarge amounts, customer-facing confirmations, approvals
The exact quote validity window is shown in the expires_at field returned when a quote is created.

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Rate Quality

PIK sources FX rates from institutional-grade liquidity with access to interbank pricing. For AUD/USD specifically, PIK offers highly competitive rates — tighter spreads than retail banks or consumer FX apps. PIK applies a fixed spread on the interbank mid-rate. No variable commissions, no hidden markups.

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Supported Conversion Pairs

FromToType
AUDUSDFiat-to-fiat
USDAUDFiat-to-fiat
AUDHKDFiat-to-fiat
AUDSGDFiat-to-fiat
SGDAUDFiat-to-fiat
HKDAUDFiat-to-fiat
USDTAUDOn-ramp
USDTUSDOn-ramp
USDCAUDOn-ramp
USDCUSDOn-ramp
AUDUSDTOff-ramp
AUDUSDCOff-ramp
USDUSDTOff-ramp
USDUSDCOff-ramp
USDTHKDCross
USDTSGDCross
For the full live pair list and current minimums: 
GET /api/v1/fx/pairs

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On-Ramp and Off-Ramp

Directionsell_currencybuy_currencyUse Case
On-rampUSDT or USDCAUD or USDReceived crypto, want fiat
Off-rampAUD or USDUSDT or USDCHave fiat, want crypto for withdrawal

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Additional Supported Conversion Pairs

In addition to USDT/USDC on-ramp and off-ramp, PIK supports direct conversion between fiat currencies for wallet management and payout preparation:
FromToCommon Use Case
AUDUSDConvert AUD receipts to USD for international payouts
USDAUDConvert USD holdings to AUD for Australian operations
AUDEURPrepare EUR payout from AUD balance
AUDGBPPrepare GBP payout from AUD balance
AUDHKDPrepare HKD payout from AUD balance
AUDSGDPrepare SGD payout from AUD balance
USDTUSDConvert stablecoin to USD fiat
USDCUSDConvert stablecoin to USD fiat
For the complete and current pair list including minimums, call GET /api/v1/fx/pairs or see Supported Currency Pairs.

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End-to-End Cross-Border Flow

Crypto to fiat: Fiat to crypto:

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Key Characteristics

PropertyDetail
Availability24/7 — no cut-off times or settlement windows
PricingFixed spread on interbank rates — no hidden fees
SettlementConverted funds credited immediately to target currency balance
ScopeEach conversion is scoped to the account making the request