RemittanceOptimizationEngine
Send money home for less. Our cross-border routing system navigates banking networks, mobile money corridors, and crypto bridges to find the cheapest, fastest path for every transfer.
Sector
Open Banking
Solution
Remittance Optimization Engine
-79%
Fee Reduction
< 90 min
Delivery Time
-79%
Fee Reduction
< 90 min
Delivery Time
100%
Transparency
Solution Overview
Capabilities & technology
05 capabilitiesMulti-corridor route optimisation
Dynamic FX rate aggregation
Sanction screening in < 200ms
Recipient notification via SMS/WhatsApp
Transparent fee breakdown per hop
Technology stack
04 toolsCase Study
Reducing Diaspora Transfer Costs for a UK-Kenya Corridor
Executive Summary
A London-based remittance startup integrated the Remittance Optimization Engine for their UK-Kenya corridor. Average transfer fees dropped from 7.2% to 1.5%, and delivery time fell from 48 hours to under 90 minutes for 95% of transfers.
AI layer
Think Corridor Intelligence
The AI evaluates every available corridor in real time SWIFT, mobile money, crypto bridges, and local ACH networks weighing fees, speed, liquidity depth, and reliability. A reinforcement learning agent continuously improves routing as new transaction data flows in.
Blockchain layer
Honesty End-to-End Transfer Tracking
Each transfer is tracked on the XRP Ledger from initiation to final delivery. Senders and recipients can independently verify the exact path, FX rate applied, and fees deducted at each hop eliminating hidden charges.
Operational metrics
Metric
Traditional
Hybrid Ecosystem
Average Fee
7.2%
1.5%
Delivery Time (95th pctl)
48 hours
< 90 min
Transfer Transparency
Opaque
Full per-hop breakdown
Technical stack
2026 Roadmap
Q2 2026: Add US-East Africa and Gulf-East Africa corridors. Q3 2026: B2B invoice payment support. Q4 2026: Offline-first mobile app for regions with intermittent connectivity.
“My family in Kisumu receives money the same day now, and I can see exactly where every shilling goes. No more hidden fees.”
David Otieno
Software Engineer · London-based Kenyan diaspora
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