Cross-Border Settlement Infrastructure for Neobanks & PSPs.
Your app confirms a transfer in a second. The money takes a week. For neobanks and PSPs serving Sub-Saharan Africa, LatAm or Southeast Asia, correspondent banking is the bottleneck nobody on the product side can fix. We engineer the settlement layer directly into your existing stack: payment network and banking rail integrations, on-chain settlement where it is faster and cheaper, and compliance flows that match each jurisdiction. No rebuild, no white-label processor, no waiting on a vendor roadmap.
Discuss your productWho this is for.
- 01
CTOs and founders of neobanks whose cross-border transfers still take days through correspondent banks
- 02
Payment service providers expanding into new corridors and markets without replacing the core platform
- 03
Fintech teams that want to own their settlement rails instead of renting a processor's roadmap
What's included
- 01
Payment network and banking rail integrations: local ACH equivalents, SWIFT, card schemes, mobile money, instant payment schemes
- 02
On-chain settlement logic with stablecoin rails where they beat correspondent banking on speed and cost
- 03
Treasury and liquidity management: pre-funding, FX conversion, balance monitoring across accounts and chains
- 04
KYC/AML flows per jurisdiction: tiers, sanctions screening, travel-rule data, reporting hooks
- 05
Settlement state machine with retries, reversals, partial settlements and exception queues
- 06
Multi-currency ledger with reconciliation against every connected rail
- 07
Operator console for treasury, compliance and support teams
- 08
Monitoring, alerting and audit trails designed for regulator and partner reviews
How we build it.
Settlement is a routing problem with regulatory constraints attached to every edge. We start with a corridor map: for each pair of markets, which rails exist, how fast and expensive each is, and which compliance checks apply. The engine then picks a route per transaction and tracks it through explicit states, so operations sees exactly where money is at any moment. Each rail sits behind an adapter with the same contract, which is how a new corridor becomes configuration work rather than a rewrite. We integrate into your current ledger, auth and customer model instead of standing up a parallel system.
- 01
Rail adapters with a shared contract, so a new market or partner is added without touching product code
- 02
Routing rules as data: cost, speed and compliance constraints evaluated per transaction
- 03
Ledger as the source of truth; every rail balance reconciled against it continuously
- 04
Compliance checks modelled per jurisdiction and enforced in the settlement flow, not bolted on afterwards
Scope, timeline and budget.
Ranges are based on recent projects. After a discovery call we send a fixed estimate for the first milestone.
First corridor
- Timeline
- 8–12 weeks
- Budget
- from 50k USD
One corridor live in production: rail integrations, settlement engine, compliance checks, reconciliation and an operator view, integrated into your stack.
Multi-corridor platform
- Timeline
- 4–8 months
- Budget
- 120–300k USD
Several corridors and rails, on-chain settlement, treasury management, full compliance tooling, reporting and partner-facing APIs.
Infrastructure partner
- Timeline
- ongoing
- Budget
- monthly
A dedicated engineering squad that owns your settlement layer: new rails, regulatory changes, performance and incident response.
Frequently asked questions.
01Do we need to rebuild our platform to add new settlement rails?
No. We build the settlement layer around your existing ledger, customer model and APIs. The first corridor typically goes live within 8–12 weeks without changes to your customer-facing product.
02Can you integrate specific payment networks and banking rails?
Yes. We have integrated card schemes, SWIFT and local clearing systems, mobile money operators, instant payment schemes and stablecoin rails. If a rail has an API or a file-based interface, it fits behind our adapter contract.
03How do you handle KYC and AML across several jurisdictions?
Compliance rules are modelled per jurisdiction and corridor: onboarding tiers, sanctions and PEP screening, travel-rule data exchange and reporting. Checks run inside the settlement flow, so a transaction cannot settle without passing them, and every decision is logged for audits.
04Do you provide licences or act as a payment processor?
No. We are an engineering partner. You keep your licences, banking relationships and processor contracts; we build the software that connects them and makes settlement fast and observable.
Planning something like this?
Tell us what you want to launch and when. An engineer will reply within 24 hours with questions, a draft scope and a realistic estimate.