Inbound request
Payment parameters
Amount
Source currency
Dest currency
Corridor (country pair)
Speed requirement
Recipient type
Routing factors
Cost optimization
Speed priority
Rail availability
Amount limits
Recipient capability
Regulatory constraints
Pre-routing checks
Corridor supported?
Amount within limits?
Sender KYC tier OK?
Sanctions clear?
Balance sufficient?
Time-of-day check
Failover config
Primary rail
Fallback rail 1
Fallback rail 2
Max retry: 3
Timeout: 30s
1 US domestic rails
RTP (The Clearing House)
Instant (< 5 seconds)
24/7/365 availability
Limit: $1,000,000
ISO 20022 (pacs.008)
Request for Payment
Credit transfer only
Avg settlement: 2.1s
FedNow (Federal Reserve)
Instant (< 20 seconds)
24/7/365 availability
Limit: $500,000 (default)
ISO 20022 native
Request for Payment
Liquidity management
Avg settlement: 8.3s
ACH (Nacha)
Same-day ACH (< 4h)
Next-day ACH (T+1)
Limit: $1,000,000 (same-day)
Batch processing windows
Debit & credit transfers
Return codes (R01-R85)
Cost: $0.02-0.10/txn
Fedwire (large value)
Same-day settlement
No amount limit
Business hours only
RTGS (real-time gross)
Finality guaranteed
Corporate/institutional
Cost: $0.50-1.00/txn
2 International rails (Europe, UK, SWIFT)
SEPA Instant (EU)
< 10 seconds
24/7/365
Limit: €100,000
36 countries (EEA)
IBAN-based routing
SCT Inst scheme
Confirmation of Payee
Coverage: 60% EU banks
SEPA Credit Transfer
T+1 settlement
No amount limit
Business days only
Batch-friendly
Lower cost than instant
PAIN.001 format
Standing orders
Cost: €0.20-0.50/txn
UK Faster Payments / CHAPS
FPS: < 2 hours (usually instant)
FPS limit: £1,000,000
CHAPS: same-day (RTGS)
CHAPS: no limit
Sort code + account
Pay.UK / Bank of England
NPA migration (2025+)
FPS avg: 1.2s
SWIFT gpi
200+ countries
T+0 to T+3
UETR tracking
MT103 / pacs.008
Correspondent banking
Pre-validation (API)
gpi Tracker (real-time)
50% in < 30min (gpi)
3 Africa mobile money & wallet rails
M-Pesa (Safaricom)
Instant (< 30s)
Kenya, Tanzania
Limit: KES 500K/day
Phone number routing
B2C / C2B / B2B
Daraja API
51M+ users (Kenya)
MTN MoMo
Instant
Ghana, Uganda, Cameroon
Côte d'Ivoire, Rwanda
Open API platform
Collections + Disbursement
Cross-border (MoMo)
60M+ active wallets
OPay (Nigeria)
Instant (< 10s)
Nigeria (primary)
Bank transfer (NIBSS)
Wallet-to-wallet
Agent network
QR payments
35M+ users
Airtel Money
14 African countries
Instant settlement
Airtel Smart Cash
Bank integration
Merchant payments
API gateway
30M+ subscribers
Bank transfers (Africa)
NIBSS (Nigeria, instant)
RTGS (Kenya, T+0)
GhIPSS (Ghana)
SADC-RTGS (Southern)
PAPSS (pan-African)
BCEAO (West Africa)
12 corridors active
4 Stablecoin / USDC rails
On-ramp (Fiat → USDC)
Circle Payments API
Bank wire → mint
ACH → mint (T+0)
Card purchase
OTC desk (large)
Transfer networks
Ethereum L1 (high value)
Base L2 (low cost)
Solana (speed)
Arbitrum / Optimism
Polygon PoS
Off-ramp (USDC → Fiat)
Circle redemption
Local partner payout
Exchange liquidity
OTC desk (large)
Direct bank credit
CCTP (Cross-chain)
Circle CCTP v2
Native burn/mint
No bridge risk
< 20min finality
8 chains supported
Cost comparison
Preferred: Base L2 (cost) / Solana (speed)
Settlement & ops
Settlement tracking
Settled
Pending
Delayed
Failed
Returned
Reconciliation
Real-time matching
End-of-day recon
Exception queue
Auto-correction
Manual resolution
Treasury
Pre-funding levels
Auto top-up triggers
Multi-currency pools
Nostro monitoring
Cash flow forecast
Partner management
SLA monitoring
Uptime tracking
Cost analysis
Volume reporting
Failover testing