Fintech: Cross Border & Multi Currency

Cross border payments across local rails, not just SWIFT.

Local rail connectivity across 10+ countries and 30+ currencies (Pix, SPEI, SEPA Instant, Faster Payments, ACH) with FX, treasury, and real time settlement built in.

PCI DSSSOC 2 Type IIISO 27001KYC · AML · BSAPSD2 / SCA

The short answer

What is cross border payment infrastructure?

Cross border payment infrastructure moves value between countries and currencies. Historically that meant SWIFT: days of settlement, opaque fees, correspondent bank hops. Modern cross border infrastructure connects directly to local instant rails (Pix in Brazil, SPEI in Mexico, SEPA Instant in the EU, Faster Payments in the UK, FedNow in the US), abstracts them behind one API, and manages FX, liquidity, and reconciliation across the whole footprint. The result is minutes not days settlement, transparent fees, and one integration instead of one per country.

What we build

Cross Border & Multi Currency, engineered on your infrastructure.

Local instant rail connectivity

Pix (Brazil), SPEI (Mexico), SEPA Instant (EU), Faster Payments (UK), FedNow / RTP (US), plus regional rails on request: one API, many rails.

PixSPEISEPA InstantFedNow

Multi currency wallets

Segregated multi currency balances with clear FX rate application at the exact moment of conversion, and a ledger view per currency.

Multi-currencyWallets

FX & treasury management

Live FX rates from your liquidity providers, hedging hooks, and treasury dashboards showing position and exposure across currencies.

FXTreasury

Real time settlement

Where the underlying rail supports it, funds settle in seconds: with clear status events all the way through the pipeline.

Real-timeSettlement

Compliance across jurisdictions

KYC/KYB, sanctions, and travel rule handling tuned to each jurisdiction's requirements: with evidence retained per region.

KYC / KYBSanctionsTravel rule

Data residency & regional deployment

Deploy in region for jurisdictions with data residency requirements (EU, UK, Brazil, others), with a shared orchestration control plane.

Data residencyRegional deploy

FAQ

Cross Border & Multi Currency: frequently asked questions.

Why use local rails instead of SWIFT?

SWIFT is a messaging network for correspondent banking: settlement still hops through 1 to 3 intermediary banks and typically takes 1 to 3 business days with opaque fees. Local instant rails (Pix, SPEI, SEPA Instant, Faster Payments) settle end to end in seconds inside their jurisdiction, with transparent pricing. Modern cross border stacks use local rails on both legs of a corridor, connecting them through liquidity, so the whole transfer feels instant to the user.

How do you handle FX and liquidity?

We plug into your existing liquidity providers or bank FX desks and apply the rate at the moment of conversion: with the mid market rate, the applied rate, and the spread all recorded in the ledger. Hedging is a policy hook you can wire to your treasury system.

How many countries and currencies do you support?

The orchestration layer is designed to add rails and currencies as needed. Live in production coverage on client platforms today spans 10+ countries and 30+ currencies (see VeloTech), with new rails added as clients enter new markets.

How do you handle sanctions screening and travel rule?

Sanctions screening runs at initiation and on every leg using OFAC, EU, and UN lists plus client specified additional lists. Travel rule (FATF R.16) data is captured, encrypted, and transmitted per jurisdiction where applicable: with a retained evidence record for each transfer.

Explore the fintech stack

Related fintech capabilities.

Ready to ship cross border & multi currency on banking grade infrastructure?

30 minutes with the team behind RYVYL, VeloTech, NEMS, and MonerePay. Scope the build, the rails, and the timeline: with a fixed 6 week pilot pattern and outcomes agreed in writing.