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.
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.
Multi currency wallets
Segregated multi currency balances with clear FX rate application at the exact moment of conversion, and a ledger view per currency.
FX & treasury management
Live FX rates from your liquidity providers, hedging hooks, and treasury dashboards showing position and exposure across currencies.
Real time settlement
Where the underlying rail supports it, funds settle in seconds: with clear status events all the way through the pipeline.
Compliance across jurisdictions
KYC/KYB, sanctions, and travel rule handling tuned to each jurisdiction's requirements: with evidence retained per region.
Data residency & regional deployment
Deploy in region for jurisdictions with data residency requirements (EU, UK, Brazil, others), with a shared orchestration control plane.
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.
Payment Platforms & Orchestration
One API across ACH, SEPA, Wire, Faster Payments, Pix, SPEI, and crypto: with double entry ledger, permissioned settlement, and reconciliation out of the box.
Learn moreKYC / AML & Sanctions Screening
Onboarding, ongoing monitoring, sanctions screening, and adverse media checks with a defensible evidence trail behind every decision: designed to meet BSA, PSD2, and regional obligations.
Learn moreLedger, Treasury & Reconciliation
Double entry ledgers, permissioned settlement, automated reconciliation, and real time treasury dashboards: the accounting backbone every payment platform and card program needs to pass audit.
Learn moreReady 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.