POBO Payments

Overview

A POBO payment is a structured payment solution that allows fintechs to make payments on behalf of their non-fintech clients.

How Our Clients Use POBO Accounts:

Clients use their POBO accounts to make invoice payments on behalf of their end customers, sending funds under that customer’s legal name.

Account Offering

Feature	Description
Account Bank	Standard Chartered, Singapore
Account Model	One POBO account per onboarded client
Currencies Supported	38 SWIFT currencies
Funding Options	USDC/T or fiat (with invoice to support payment)
Payment Type	Outgoing payments in Levl’s client’s client name (B2B2B)
Underlying Sender Rule	Must be a non-fintech corporate
Primary Use Case	Invoice payments on behalf of end-business customers

Example:

Fintech A → funds POBO account → submits invoice → payment sent under Fintech A's client’s name via Levl’s infrastructure.

Example Use Cases

Region	Common Use Cases
Africa	African companies seeking USD SWIFT or domestic named accounts for client-name payments
Latin America	Fintechs in Latam using POBO for payouts into Southeast Asia
APAC	OTC settlements vs. African currencies, with third-party settlements in the APAC client’s name

All African payment rails support named-sender capability, ensuring payments are sent in the client’s name on every transaction.

Global Settlement Coverage

Country	Currency	Country for settlements	Rail	Local Payment Processing Hours	Sending Bank	USDC -> Fiat	Swift Outgoing Fee (USD)
United States	USD	All countries except Sanctioned Countries	Swift	8am - 5pm Singapore Time	Standard Chartered Singapore	0.15%	25
EU Zone	EUR	All countries except Sanctioned Countries	Swift	8am - 5pm Singapore Time	Standard Chartered Singapore	0.27%	25
United Kingdom	GBP	All countries except Sanctioned Countries	Swift	8am - 5pm Singapore Time	Standard Chartered Singapore	0.27%	25
Singapore	SGD	All countries except Sanctioned Countries	Swift	8am - 5pm Singapore Time	Standard Chartered Singapore	0.32%	25
India	INR	India	Swift	8am - 5pm Singapore Time	Standard Chartered Singapore	0.32%	25
Canada	CAD	All countries except Sanctioned Countries	Swift	8am - 5pm Singapore Time	Standard Chartered Singapore	0.27%	25
United Arab Emirates	AED	All countries except Sanctioned Countries	Swift	8am - 5pm Singapore Time	Standard Chartered Singapore	0.25%	25
Thailand	THB	Thailand	Swift	8am - 5pm Singapore Time	Standard Chartered Singapore	0.52%	25
Malaysia	MYR	Malaysia	Swift	8am - 5pm Singapore Time	Standard Chartered Singapore	0.42%	25
Indonesia	IDR	Indonesia	Swift	8am - 5pm Singapore Time	Standard Chartered Singapore	0.37%	25
Philippines	PHP	Philippines	Swift	8am - 5pm Singapore Time	Standard Chartered Singapore	0.37%	25
Vietnam	VND	Vietnam	Swift	8am - 5pm Singapore Time	Standard Chartered Singapore	0.37%	25
Saudi Arabia	SAR	All countries except Sanctioned Countries	Swift	8am - 5pm Singapore Time	Standard Chartered Singapore	0.47%	25
South Korea	KRW	South Korea	Swift	8am - 5pm Singapore Time	Standard Chartered Singapore	0.47%	25
Qatar	QAR	All countries except Sanctioned Countries	Swift	8am - 5pm Singapore Time	Standard Chartered Singapore	0.47%	25
Sri Lanka	LKR	Sri Lanka	Swift	8am - 5pm Singapore Time	Standard Chartered Singapore	0.97%	25
Denmark	DKK	All countries except Sanctioned Countries	Swift	8am - 5pm Singapore Time	Standard Chartered Singapore	0.47%	25
Bahrain	BHD	All countries except Sanctioned Countries	Swift	8am - 5pm Singapore Time	Standard Chartered Singapore	0.42%	25
Czech Republic	CZK	All countries except Sanctioned Countries	Swift	8am - 5pm Singapore Time	Standard Chartered Singapore	0.57%	25
Hong Kong	HKD	All countries except Sanctioned Countries	Swift	8am - 5pm Singapore Time	Standard Chartered Singapore	0.37%	25
Hungary	HUF	All countries except Sanctioned Countries	Swift	8am - 5pm Singapore Time	Standard Chartered Singapore	0.57%	25
Israel	ILS	All countries except Sanctioned Countries	Swift	8am - 5pm Singapore Time	Standard Chartered Singapore	0.57%	25
Japan	JPY	All countries except Sanctioned Countries	Swift	8am - 5pm Singapore Time	Standard Chartered Singapore	0.32%	25
Kenya	KES	All countries except Sanctioned Countries	Swift	8am - 5pm Singapore Time	Standard Chartered Singapore	0.92%	25
Kuwait	KWD	All countries except Sanctioned Countries	Swift	8am - 5pm Singapore Time	Standard Chartered Singapore	0.82%	25
Mexico	MXN	All countries except Sanctioned Countries	Swift	8am - 5pm Singapore Time	Standard Chartered Singapore	0.33%	25
New Zealand	NZD	All countries except Sanctioned Countries	Swift	8am - 5pm Singapore Time	Standard Chartered Singapore	0.47%	25
Norway	NOK	All countries except Sanctioned Countries	Swift	8am - 5pm Singapore Time	Standard Chartered Singapore	0.47%	25
Oman	OMR	All countries except Sanctioned Countries	Swift	8am - 5pm Singapore Time	Standard Chartered Singapore	0.37%	25
Poland	PLN	All countries except Sanctioned Countries	Swift	8am - 5pm Singapore Time	Standard Chartered Singapore	0.57%	25
Romania	RON	All countries except Sanctioned Countries	Swift	8am - 5pm Singapore Time	Standard Chartered Singapore	0.57%	25
South Africa	ZAR	South Africa	Swift	8am - 5pm Singapore Time	Standard Chartered Singapore	0.37%	25
Switzerland	CHF	All countries except Sanctioned Countries	Swift	8am - 5pm Singapore Time	Standard Chartered Singapore	0.42%	25
Sweden	SEK	All countries except Sanctioned Countries	Swift	8am - 5pm Singapore Time	Standard Chartered Singapore	0.57%	25
Türkiye (Turkey)	TRY	Turkey	Swift	8am - 5pm Singapore Time	Standard Chartered Singapore	0.57%	25
Uganda	UGX	All countries except Sanctioned Countries	Swift	8am - 5pm Singapore Time	Standard Chartered Singapore	0.77%	25
Australia	AUD	All countries except Sanctioned Countries	Swift	8am - 5pm Singapore Time	Standard Chartered Singapore	0.32%	25
China	CNY	China	Swift	8am - 5pm Singapore Time	Standard Chartered Singapore	0.35%	25