We build cross-border transfer platforms where senders always know the rate and fee up front, and your team can trace every transfer from quote to payout.
Every transfer passes the same five stages, and each is recorded so it can be traced later.
Quote
Rate and fee shown and locked for a set time
Checks
Identity, sanctions screening and limits
Pay-in
Bank, card or mobile money
Payout
To the recipient's bank, wallet or mobile money
Settled and reconciled
Matched against the partner's statement
Senders see each status as it happens; your operations team sees the same timeline with full detail.
Connections to payout networks and banking partners that move funds between countries and currencies.
Identity verification, sanctions screening, and transaction-limit checks wired into the transfer flow.
Live and locked exchange rates, margin logic, and rate-quote expiry handled explicitly, not as an afterthought.
Matching platform records against banking-partner statements so every transfer is accounted for.
Double-entry ledgers that track balances and movements across currencies without losing precision.
Real-time status for senders and operators, from initiation through settlement or failure.
Every movement is recorded as matching entries that add up to zero, so money can't silently appear or vanish.
| Step | Account | Amount |
|---|---|---|
| Customer pays in | Customer balance | +200.00 USD |
| Bank clearing (USD) | −200.00 USD | |
| Fee taken | Customer balance | −3.00 USD |
| Fee revenue | +3.00 USD | |
| Converted | Customer balance | −197.00 USD |
| FX position (USD) | +197.00 USD | |
| FX position (EUR) | −181.24 EUR | |
| Recipient payable | +181.24 EUR | |
| Paid out | Recipient payable | −181.24 EUR |
| Payout partner (EUR) | +181.24 EUR | |
| Total per currency | USD 0.00 · EUR 0.00 | |
Example: 200.00 USD sent, 3.00 USD fee, 197.00 USD converted at an example rate of 0.9200 = 181.24 EUR received. Every step's entries add up to zero, so the books always balance.
Whichever your payment partners cover. We integrate with the banks, mobile money operators and payout networks you choose, and the platform handles each currency separately.
We build the compliance steps into the product: identity checks, sanctions screening, limits and audit trails. The licence and the compliance policy remain yours, and we build to them.
Rates come from your provider, a margin is applied by your rules, and the quoted rate is locked for a set time so the customer pays exactly what they were shown.
Tell us about your corridors, currencies, and compliance requirements. We'll take it from there.
