Open Banking — Solution
Remittance Optimization Engine
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.
Capabilities & Technology
Key Capabilities
Multi-corridor route optimisation
Dynamic FX rate aggregation
Sanction screening in < 200ms
Recipient notification via SMS/WhatsApp
Transparent fee breakdown per hop
Technologies
System Architecture
Our hybrid ecosystem integrates seamlessly with your existing infrastructure, providing AI-powered insights secured by blockchain transparency.
Data Sources
Legacy systems, APIs, databases
AI Processing
Machine learning models, predictions
Blockchain Layer
Immutable audit trail, smart contracts
Analytics Engine
Real-time metrics, dashboards
Cloud Infrastructure
Scalable, secure deployment
Automated Workflows
Process automation, integrations
Case 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.
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.
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
Performance Comparison
See how our hybrid AI + blockchain solution compares to traditional approaches across key 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 at London-based Kenyan diaspora