Money Transfers

    Move money predictably

    Quick transfers, international payments, and scheduled transfers with real-time processing, tracking, and exception handling built in.

    Quick Transfers

    Instant intra-platform transfers between wallets with real-time ledger updates.

    International Payments

    Cross-border payouts over SWIFT, SEPA, and local rails with transparent FX pricing.

    Scheduled Transfers

    One-time future-dated or recurring transfers with retry, edit, and cancel workflows.

    Bulk Payouts

    Upload or API-submit payout batches with per-item status tracking and reconciliation.

    Real-Time Tracking

    End-to-end status: initiated, sent, confirmed, returned — with cause codes for exceptions.

    Sanctions & Screening

    OFAC and sanctions screening on both sender and beneficiary before funds move.

    What's included

    The operational layer that keeps money movement observable and safe.

    Beneficiary management with re-usable payout tokens
    FX quoting endpoint with lock windows
    Fee configuration by corridor, currency, or customer tier
    Return, recall, and reversal handling
    Full transfer lifecycle webhooks
    Money transfers look simple to end users — pick a recipient, enter an amount, confirm. Underneath, the flow touches KYC, sanctions screening, FX pricing, correspondent banking, settlement, and reconciliation. Getting all of it right is what separates a remittance product customers trust from one they abandon after a single delayed payout.

    Domestic vs. cross-border: two very different problems

    Domestic transfers ride on well-defined rails — ACH, RTP, FedNow, SEPA, Faster Payments — with predictable cost, speed, and settlement rules. The engineering work is mostly about correctness and edge cases.

    Cross-border is a different animal. FX pricing, correspondent bank fees, intermediary chains, local disbursement partners, and jurisdiction-specific compliance all conspire to make cross-border expensive and slow unless the platform is designed for it from the start.

    What a modern transfer stack should provide

    You want a transfer product that quotes accurately, executes reliably, and communicates status honestly. Customers forgive slow transfers when they are informed; they never forgive silent transfers.

    • Real-time FX quotes with locked pricing during the transfer window
    • Sanctions and AML screening on every payer, payee, and counterparty
    • Local disbursement rails in destination countries where available
    • Transparent fee disclosure, aligned with Regulation E and Remittance Rule
    • Status webhooks and customer-facing timelines that stay accurate

    Speed, cost, and trust — pick the balance intentionally

    Every transfer product makes trade-offs. Instant rails cost more; correspondent chains are cheaper but slower; local disbursement is fast in destination but requires partner relationships in every market. A good platform lets you set those trade-offs per product line, per corridor, and per customer segment rather than forcing one policy on everyone.

    Frequently asked questions

    Which corridors do you support?

    Major USD, EUR, and GBP corridors are supported directly, with additional corridors added through licensed FX and disbursement partners.

    How is FX priced?

    Quotes are sourced from institutional FX partners and marked up per your product configuration. Rates are locked for a defined window during the transfer.

    What compliance controls are enforced on transfers?

    Every party is screened against sanctions and PEP lists, and transaction monitoring flags patterns that require review before settlement.