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Universal Financial Abstraction: The router treats all financial platforms the same way, whether you’re moving between Chase and Coinbase or Ethereum and Solana.

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What is the Router?

The Transfer Router is Fellow’s proprietary infrastructure that creates a universal abstraction layer over the entire financial ecosystem, enabling seamless money movement between platforms that were never designed to work together. The Router triggers a seamless flow-of-funds that to the user appears as an instant transfer but involves an intricate set of moving parts.

Intelligent Routing

Automatically selects optimal paths between any two financial platforms based on speed, cost, and liquidity availability

Protocol Translation

Seamlessly converts between traditional banking rails (ACH) and cryptocurrency networks without user complexity

Instant Settlement

Provides immediate access to funds through short-term credit instruments while background settlement occurs

Universal Connectivity

Single API that works with 10,000+ banks, exchanges, and financial platforms through unified infrastructure

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Router Architecture

The Fellow Router operates across multiple interconnected layers to provide seamless cross-platform transfers: Router Complex Pn

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How Routing Works

The router handles four main transfer types with specific pathways for each:
  • Fintech → Fintech
  • Fiat → Crypto
  • Crypto → Crypto
  • Crypto → Fintech
Fintech to Fintech (Robinhood, etc.)
  1. User initiates an ACH transfer from a Fintech to their Fellow bank account
  2. Router captures the intent (destination: Robinhood account)
  3. We make instant transfer using user’s credit card for immediate settlement
  4. Funds arrive in Robinhood instantly with minimal latency
  5. When ACH settles (2-4 days), it pays off the credit card balance
Example: Betterment → Robinhood

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Technical Implementation

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Settlement Layer Architecture

The router operates on a three-tier settlement system that provides instant user experience while managing backend complexity:
  1. Tier 1: Instant Layer
    • Create 2-4 day credit instruments backed by pending ACH
    • Real-time credit assessment via Fellow’s AI
    • Provide immediate fund availability in destination accounts
    • User experience identical to instant transfers
  2. Tier 2: Settlement Layer
    • Traditional ACH/wire transfers initiated automatically
    • Blockchain transactions queued and optimized
    • Cross-platform API calls for balance updates
    • Settlement monitoring and exception handling
  3. Tier 3: Reconciliation
    • Credit instruments retired upon ACH completion
    • Failed transfers trigger standard collection processes
    • Profit/loss allocation to liquidity providers
    • Regulatory reporting and compliance documentation

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Key Integration Partners

Conversion Agents:
  • Circle: USDC minting and fiat conversion services
  • BitGo: Multi-asset custody and conversion for crypto transfers
Bridge & Swap Protocols:
  • LiFi: Cross-chain bridging for multi-network crypto transfers
  • Orbiter Finance: Layer 2 and cross-chain asset movement
Banking Infrastructure:
  • Cred.ai: Core banking platform with FDIC insurance via WSFS Bank
  • Plaid: Secure connections to 10,000+ banks and financial institutions
For a complete list of supported platforms and networks, see our Supported Platforms page.

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Liquidity Pool Integration

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Single Pool Architecture

Fellow starts with one primary liquidity pool to keep things simple and focused: USDC Pool:
  • Single Asset: LPs deposit USDC to provide liquidity for all transfers
  • Short-Term Loans: Pool backs 2-4 day credit instruments for instant settlement
  • Universal Coverage: USDC pool handles conversions for all transfer types via our integration partners
  • Simplified Management: One pool means clearer economics and easier risk management
How It Works:
  1. LP Deposits: Users stake USDC to earn yield from transfer fees
  2. Credit Backing: Pool provides instant liquidity when users request transfers
  3. Settlement: Pool gets repaid when ACH transfers complete (2-4 days)
  4. Yield Distribution: Transfer fees flow back to LPs proportional to their stake
Pool Management:
  • Dynamic Rates: Interest rates adjust based on pool utilization
  • Risk Controls: Per-user credit limits and automated default recovery
  • Reserve Management: Portion of fees held in reserve for stability

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Security & Risk Management

Fellow’s router operates with comprehensive security and risk management systems to protect user funds and ensure reliable transfers.

Security & Risk Details

Learn about Fellow’s security infrastructure, risk controls, and fund protection measures

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API & Developer Access

Want to integrate Fellow’s router? Check out our API & Integrations page to learn about upcoming developer tools and early access opportunities.

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Getting Started with the Router

Ready to experience instant cross-platform transfers? The router works seamlessly in the background of every Fellow transfer.

Make Your First Transfer

Experience the router in action with your first instant transfer

How Fellow Works

Understand the economics and business model behind the router technology