FiatRails Settlement nets corridor-level obligations before settlement — reducing prefunding requirements, FX volatility premiums, and balance-sheet drag. No custody. No balance-sheet intermediation.
In emerging-market B2B corridors, institutions are forced to pre-fund large nostro balances and warehouse FX risk across multi-day settlement windows. The result is trapped liquidity, high volatility premiums, poor asset turnover, and structurally weak ROE — even when transaction volumes are strong.
Ranges typical in high-volatility EM corridors. Actual figures vary by corridor and counterparty.
FiatRails coordinates settlement between independent institutions by recording corridor-level obligations, netting them before settlement, and moving only residual value.
The protocol operates outside balance sheets, does not take custody, and never acts as a counterparty. All regulated activity remains with licensed institutions.
Banks with cross-border exposure seeking to optimize capital allocation in emerging market corridors.
Payment institutions priced out of capital-inefficient corridors looking to expand geographic coverage.
Mobile money operators managing high-volume flows who need efficient cross-border settlement.
Platforms facilitating commercial payments that require predictable, capital-efficient settlement.
FiatRails enables these institutions to operate corridors that are currently capital-inefficient or uneconomic — without becoming banks, market makers, or custodians.
FiatRails integrates at the treasury and settlement layer using standard APIs and ISO 20022 messaging.
Institutions retain their existing rails, correspondent relationships, and FX arrangements. FiatRails simply reduces how much capital and risk those systems need to carry.
Four steps from obligation to settlement. Integration via API or ISO 20022 messaging.
Submit payment obligations via API throughout the settlement window
Multilateral positions calculated across all corridor participants
FX rates determined via institutional oracle at window close
Net positions settled, reducing gross capital movement by 90%+
Modular architecture designed for regulated financial institutions.
Patent-pending multilateral netting with O(n) complexity. Calculate and settle net positions across multiple corridors simultaneously.
Institutional-grade rate determination at window close. Deterministic pricing ensures no execution slippage or front-running.
Native support for bank messaging standards. Integrate via pacs.008, pacs.009, or REST API with existing treasury systems.
Per-corridor isolation with configurable settlement windows, participant whitelisting, and jurisdiction-specific compliance rules.
Complete transaction history on immutable ledger. Built-in regulatory reporting and sanctions screening integration.
FiatRails coordinates settlement instructions but never holds funds or acts as principal. All regulated activities remain with licensed partners.
Our team brings over 20 years of experience building mission-critical systems at Tier-1 financial institutions. We understand what it takes to build infrastructure that treasury teams can trust.
FiatRails operates as a technology service provider — never holding fiat, never custodying funds, enabling licensed partners to perform all regulated activities.
We are onboarding a limited number of banks and payment service providers for our 2026 pilot across Africa, Middle East, and Asia corridors.