Modernize cross-border remittance operations
Expand corridor coverage, reduce compliance friction, and deliver wage + business remittances with digital-first infrastructure backed by agent networks.
Improve straight-through processing and publish corridor performance metrics for partners and regulators. Expand coverage across wage and business remittance use cases without losing operational visibility or compliance control.
What you get
Route & deliver
Multi-rail orchestration by fees, FX, cutoff, and reliability with automatic retries and fallbacks.
Benefit: higher delivery rate, predictable latency, lower unit cost.
Screen & monitor
Sanctions/PEP/adverse media + transaction monitoring with policy-as-code and explainability.
Benefit: fewer false positives, faster case closure.
Settle & prove
Real-time or scheduled settlement, cross-currency netting, receipts, and reconciliation hints.
Benefit: minutes to finality, smooth finance close.
Operate by corridor
Local rails (UPI, PIX, ACH/SEPA/FPS, local wires), language/transliteration, country packs.
Benefit: corridor performance improves and stays compliant.
How it works
Ingest
Sender/receiver KYC/KYB, corridor rules, partner SLAs, rails
Decide
Policy gates risk; routing selects rail + fallback using fee/FX/health
Execute
Idempotent pay-in/out, FX, settlement; emit events and receipts
Attest
Case timelines, SAR/STR exports, reconciliation postings
What you can configure
Routing
fee/FX bands, cutoffs, reliability scores, provider health
Policies
thresholds by corridor, lists, language/transliteration, reviewer flows
Settlement
real-time vs batches, net/gross, liquidity guards, auto-sweeps
Evidence
receipt templates, case timelines, regulator exports
Global Corridors#
Digital-first + agent network coverage across high-volume wage and business remittance lanes.
US → Latin America
Mexico, Guatemala, El Salvador, Colombia, Brazil
Rails
ACH, RTP, PIX, SPEI, local bank transfers, cash pickup
Regulatory
FinCEN MSB, state licensing, Travel Rule (FATF), local AML/CFT
Model
Digital wallets + 50k+ agent locations for cash out
UK/EU → South Asia
India, Pakistan, Bangladesh, Sri Lanka, Nepal
Rails
FPS, SEPA, UPI, IMPS, local ACH, mobile wallets
Regulatory
FCA/EU PSP licensing, 6AMLD, Travel Rule, local FEMA/RBI compliance
Model
UPI-first for India, bank + agent hybrid for Pakistan/Bangladesh
Middle East → South Asia
UAE, Saudi Arabia, Qatar, Kuwait → India, Pakistan, Philippines
Rails
UAE Instant, SARIE, local wires, UPI, InstaPay, wallets
Regulatory
CBUAE/SAMA licensing, Travel Rule, GCC AML standards, destination compliance
Model
Employer-sponsored wage transfers + agent network for worker segments
Singapore → Southeast Asia
Indonesia, Philippines, Vietnam, Thailand, Myanmar
Rails
PayNow, PromptPay, InstaPay, BI-FAST, local bank transfers
Regulatory
MAS licensing, Travel Rule, local PSP/remittance rules per country
Model
Digital wallets + cross-border QR, agent cash-out where needed
Competitive FX#
Transparent, competitive exchange rates with real-time pricing and multi-provider FX routing.
Use case: Wage remittance to India
Typical spread
0.3–0.8%
USD → INR via UPI
Lock window
30 min
Customer rate TTL
Settlement
T+0
Same-day finality
Instant Settlement#
Real-time and same-day settlement across corridors with automated reconciliation and finality proofs.
Real-time rails
RTP, FPS, UPI, PIX, PayNow, PromptPay—sub-60s delivery with instant confirmation and irrevocable settlement.
Batch & sweep
Scheduled batches for ACH/SEPA with auto-sweep to prefund accounts, net settlement reports, and cutoff orchestration.
Settlement by use case
Wage remittance
Real-time rails preferred, 92% same-day settlement, worker receives funds in minutes via UPI/wallet/agent.
Business remittance
Batched or real-time based on urgency, cross-currency netting, invoice matching, scheduled sweeps to operating accounts.
Compliance Built-In#
Embedded AML/CFT screening, Travel Rule compliance, and jurisdiction-specific licensing support.
Sanctions & PEP
OFAC, UN, EU, UK + local lists. Fuzzy matching, transliteration, ongoing monitoring.
Travel Rule
FATF-compliant originator/beneficiary data exchange, TRISA/TRP integration ready.
Licensing & reporting
MSB/PSP readiness, SAR/STR exports, case timelines, regulator audit trails.
Regulatory coverage by corridor
United States
FinCEN MSB + state licensing
BSA/AML program, SAR filing, Travel Rule ≥$3k, state-by-state money transmitter licenses.
UK / EU
FCA / EU PSP authorization
PSD2, 6AMLD, Travel Rule ≥€1k, ongoing transaction monitoring, suspicious transaction reports (STRs).
Middle East (UAE, Saudi, Qatar)
CBUAE / SAMA licensing
GCC AML framework, Travel Rule, local remittance licensing, Hawala Providers Regulation where applicable.
Singapore
MAS Payment Service Act
MAS major payment institution or standard payment institution license, Travel Rule, STR reporting, cross-border transaction monitoring.
India (UPI), LatAm (PIX), SEA (InstaPay, PromptPay)
Destination rail compliance
Local AML/CFT adherence, beneficiary KYC by receiving institution, local reporting requirements, cross-border tax/FEMA compliance (India).
Integrations & systems
Rails: ACH, RTP, SEPA, FPS, UPI, PIX, SPEI, PayNow, PromptPay, InstaPay, BI-FAST, SARIE, UAE Instant, local wires, mobile wallets, agent networks
Partners: Bank/PSP adapters • KYC/KYB/AML vendors • FX providers • screening data (OFAC/UN/EU/UK + local)
Events: corridor_selected, fx_locked, route_selected, fallback_triggered, alert_created, alert_closed, settlement_finalized, receipt_emitted, case_exported
Typical outcomes
Demo workflow
Stream sample wage remittances across US→Mexico and UK→India corridors. See multi-rail routing with FX lock, compliance screening with explainability, instant settlement receipt, and regulator-ready case export.
Upload batch
Test with your sample data
Call APIs
3-step integration demo
Get receipts
Finality + reconciliation
Common questions
Explore more
Trust & Security
Scale wage & business remittance globally
Expand corridor coverage with digital-first infrastructure, competitive FX, instant settlement, and built-in compliance across 100+ lanes.