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Learn how this payment infrastructure platform partnered with Turnkey to give users and businesses across 150+ countries flexible dollar accounts and access to local payouts.
- 150+ countries and 60+ currencies
- 15K+ signups in only two months
- $200K+ in security audits avoided
“With Turnkey, we were live in 150+ countries from day one. Users and businesses anywhere can now get paid and send money worldwide without opening a bank account in every country they operate in.” — Jaswanth Badvelu, Co-founder and CEO at Avvio
About
Avvio is a payment infrastructure platform that enables users and businesses to send and receive money from anywhere in the world, even where reliable banking is hard to access. Founded in 2025, Avvio began as a consumer global account app before expanding into multi-currency business accounts, mass payouts, and an embeddable API.
Challenge
Bringing a global payments solution to market without dedicating years to security engineering
Avvio was founded to eliminate the friction surrounding traditional cross-border banking solutions. Its global rails would act as a hybrid system that bridges blockchain technology with fiat banking networks, enabling users to send and receive money anywhere without opening a bank account in each market.
Co-founder and CEO Jaswanth Badvelu knew that supporting this system would require secure, robust, and scalable wallet infrastructure. Because Avvio’s rails would settle value onchain, every deposit, conversion, and payout would be funneled through transactions signed by private keys that hold final authority over user funds. Secure key management would underpin every login and transfer on the platform, and business accounts would add permissions governing which team members could move funds and when.
While Jaswanth knew building this infrastructure in-house was possible, it would consume most of his lean team’s bandwidth, hindering product advancement and other growth-focused initiatives. With Avvio’s sights set on serving enterprises, SMBs, and individuals, trust became an additional hurdle for the team.
“With today’s coding tools, it’s easy to get started on wallet infrastructure, but earning the trust of businesses that hand you millions of dollars is the hard part,” Jaswanth shares. “That takes audits and years of security work.”
To accelerate time-to-market while solidifying trust with users, Jaswanth sought a wallet infrastructure partner with enterprise-grade security, seamless UX, and a proven track record with established payments companies. After witnessing how leaders like Lightspark and Rain were driving success with Turnkey, he confidently moved forward with the partnership.
“Wallet infrastructure often feels like something that can be built internally. But if you want to operate at this scale, where businesses are trusting you with millions of dollars of their money, you need a level of security that takes years to build.”
Solution
Enterprise-grade wallet infrastructure that secures payments in every market
Avvio launched with Turnkey, leveraging its wallet infrastructure to bring seamless cross-border banking solutions to users and businesses without any internal lift.
To expedite time-to-implementation, Turnkey worked directly alongside Jaswanth’s team, guiding them through early roadblocks with in-depth documentation and on-demand support.
“The team was always ready to jump on a call, and they had many resources on hand,” shares Rahul Mohan, Head of Engineering at Avvio. “The MCP server was especially helpful in enabling us to pull the right instructions and API references in seconds.”
Today, Turnkey anchors the onchain half of Avvio’s hybrid system. When a user or business onboards, they receive local account details in USD, EUR, GBP, and AED, enabling money movements via ordinary bank transfers. Licensed partners provide those fiat accounts and the payout rails behind them, but the funds themselves settle into non-custodial stablecoin wallets that belong to the user or business.
Turnkey encrypts and holds all these wallets’ private keys in secure enclaves where transactions are signed in seconds without ever exposing them to an external party. This design enables Avvio to promise that funds land in an account only the end user controls, with no held balances, payout schedules, or freezes.
When an account holder converts a balance or sends a payout, Avvio routes it through execution partners and hands it to local rails for final delivery.
Turnkey manages keys and passkey authentication, ensuring every signature is approved by the user on their device. For business accounts, Avvio adds role-based permissions, transaction limits, and rules governing where funds can be sent. Every transfer requires two approvals.
For Jaswanth, Turnkey’s frictionless UX was another value-add. Familiar wallet creation methods simplify onboarding, and gas sponsorship lets Avvio cover network fees, so users don’t need to hold a chain’s native token to move their own money.
In addition, Turnkey’s native, email-based recovery flows give users a way back into their accounts if they lose a device. These abstractions of crypto’s most notoriously friction-heavy steps ensure even the most non-technical account holders can transact without additional assistance.
“Turnkey was flexible enough to fit every use case we brought to it. Whether we were serving users or businesses, the infrastructure was there when we needed it.”
Results
Avvio reaches 150+ countries and solidifies 15K+ signups in two months
With Turnkey, Avvio brought its payment infrastructure platform to market and went global from the outset, rather than waiting years to build its own security foundation. Now, the team focuses on adding payout corridors and onboarding new customers rather than wallet infrastructure.
- 150+ countries and 60+ currencies
- 15K+ signups in only two months
- $200K+ in security audits avoided
Looking ahead, Jaswanth plans to incorporate AI agents to make payments on users’ behalf, leveraging Turnkey’s policy engine to set daily and hourly spending limits. He also plans to give businesses tighter control over when and where funds move by adding trusted-location and working-hours policies offered by Turnkey.
“Turnkey is always a step ahead on what we’ll need next, which lets us keep pushing into new markets with confidence.”
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