Cross-border payments
Zethic Forex & Multi-Currency Payments is a cross-border payments platform you run under your own brand. Price from several liquidity providers, lock a rate at quote, hold balances in multiple currencies, and pay out on local rails.
What it is
It sources FX pricing from multiple liquidity providers, holds balances in a multi-currency ledger, and delivers payouts through local rails.
Every quote carries a locked rate and an expiry, so the beneficiary receive amount on the confirmation screen is the amount that lands.
Capabilities
Five modules sharing one multi-currency ledger and one audit trail.
Streams pricing from several liquidity providers into one book and applies your margin rules by pair, corridor, customer tier and ticket size.
A quote returns the rate, fees, exact beneficiary receive amount and an expiry, and the rate is held for the life of the quote.
A double-entry ledger holds customer and treasury balances per currency, so funds convert only when the customer chooses.
curl -X POST \ api.zethic.io/v1/cross-border-payouts \ -H "Authorization: Bearer ***"
Delivers to local clearing, instant rails, mobile money and card push with SWIFT as fallback, validating beneficiary format before submission.
Sanctions, PEP and adverse-media screening run before funds move, alongside corridor limits, case management and a live net FX position.
See it on your corridors
Bring your busiest three corridors and a month of conversions. We will price them through the rate engine and show the spread and delivery route for each.
Inside the platform
Three surfaces sit on the same multi-currency ledger.
Aggregated provider pricing, margin rules by pair and corridor, and your net FX position on one screen.
Senders see the locked rate, fees, exact receive amount and expiry before they confirm, then track delivery.
Sanctions, PEP and adverse-media hits land in a case queue alongside corridor limit breaches and returns.
Why teams switch
Your liquidity and your rails, with the evidence trail a review expects.
It connects to your own FX relationships and applies your margin rules by corridor.
Every movement is a double-entry posting, so balances and settlement always reconcile.
Sanctions, PEP and adverse-media checks run before funds move, never after.
Each quote is stored with its provider, raw rate, margin rule, fees and timestamp.
How it's different
Every row below is a place the usual setup leaks margin, time or trust.
A daily rate sheet, payout files, and a position rebuilt in spreadsheets.
Aggregated live pricing, locked quotes, local rails and a real-time ledger.
How it works
The rate engine takes live pricing from every connected provider, applies your margin rules, and returns a rate, fees and receive amount with an expiry.
On acceptance the rate is held, the conversion is booked to the ledger, and sender and beneficiary are screened for sanctions, PEP and adverse media.
Beneficiary details are validated for the destination format, then routed to the best available rail for that corridor, with SWIFT as fallback.
Confirmations, returns and provider statements match against the ledger automatically, and treasury sees the net position update in real time.
See it before you commit
A rollout usually starts with one or two corridors priced in parallel with your current process, so you can compare before any customer traffic moves.
Use cases
For operators whose customers move money between currencies.
Senders get a locked rate and guaranteed receive amount, with delivery to mobile money and local clearing in the destination market.
Receive amount guaranteed at quote
Supplier balances sit in the currency they earned in, and batch payouts route to local rails per country with returns reconciled automatically.
Batch payouts, one ledger, no double conversion
Finance books a quote when the invoice is approved, fixing the payable in home currency while treasury covers the aggregate position.
Payable fixed at approval, exposure covered
Wallets, quotes, conversions and payouts are consumed as APIs behind the fintech’s brand, with limits and corridor rules configured centrally.
Multi-currency shipped as an API integration
Integrations
Provider-agnostic, plugging into the banking relationships you already hold.
Security & compliance
Where the data lives, who can move funds, and what can be proven after the fact.
AES-256 at rest with per-tenant key separation and TLS 1.3 in transit, with keys in a managed KMS or HSM under documented rotation.
Each quote is stored with its provider, raw rate, margin rule, fees and timestamp, and links to the ledger entries it produced.
Sanctions, PEP and adverse-media screening runs before funds move. No payment leaves an open case without a logged decision.
Deploy into your own cloud account or a regional tenancy, with per-market tenancies fully isolated from one another.
Why choose us
A wrong rate or a stuck payment is a customer conversation, not a bug ticket.
Book a demoWe build and run software for banks, lenders and payment companies, with the audit and change-control discipline that requires.
Every movement is a double-entry posting, so balances, positions and settlement always reconcile.
It runs in your cloud account under your brand, with infrastructure-as-code and your team holding the keys.
Liquidity providers, payout rails and screening vendors sit behind stable connector interfaces.
Client reviews. Real outcomes.
“We truly appreciated their dedication, technical expertise, and problem-solving approach.”
Young Onion
Department Head
“I was blown away by the knowledge the team had about creatives, e-commerce, website design, and optimization.”
Decathlon Sports India
Image Leader
“They have a good team of designers and project managers who help us with the designs using HTML, Angular, and React.”
Instarama
COO
“Their creativity stands out. A collaborative team that delivered high-quality solutions working closely with us.”
CodeGama LLP
Business Developer
“The product has become more intuitive and user-friendly. Load times dropped significantly after their work.”
Qoruz
Co-Founder
“Their commitment to timely delivery was impressive.”
CurleyStreet Media
Business Development Rep
“We truly appreciated their dedication, technical expertise, and problem-solving approach.”
Young Onion
Department Head
“I was blown away by the knowledge the team had about creatives, e-commerce, website design, and optimization.”
Decathlon Sports India
Image Leader
“They have a good team of designers and project managers who help us with the designs using HTML, Angular, and React.”
Instarama
COO
“Their creativity stands out. A collaborative team that delivered high-quality solutions working closely with us.”
CodeGama LLP
Business Developer
“The product has become more intuitive and user-friendly. Load times dropped significantly after their work.”
Qoruz
Co-Founder
“Their commitment to timely delivery was impressive.”
CurleyStreet Media
Business Development Rep
“Simply put, the quality of their code is excellent. They integrated third-party software and ensured GDPR compliance.”
VIA IOM
Director
“What impressed us most was how well they understood our brand and translated it into clean, thoughtful designs.”
GD Farm Fresh
Director
“Their team was patient, courteous, responsive, and technically proficient throughout the entire project.”
Studio by Nandita Manwani
Partner
“Zethic Technologies generally delivers on time and in line with our requirements – deployed in 30+ countries.”
SABA Hospitality
Executive Director
“Zethic built the features specifically to match our internal workflow and business needs. Professional and on time.”
Coral Publishers
Executive
“Zethic Technologies is a true partner.”
Geordana
CEO
“Simply put, the quality of their code is excellent. They integrated third-party software and ensured GDPR compliance.”
VIA IOM
Director
“What impressed us most was how well they understood our brand and translated it into clean, thoughtful designs.”
GD Farm Fresh
Director
“Their team was patient, courteous, responsive, and technically proficient throughout the entire project.”
Studio by Nandita Manwani
Partner
“Zethic Technologies generally delivers on time and in line with our requirements – deployed in 30+ countries.”
SABA Hospitality
Executive Director
“Zethic built the features specifically to match our internal workflow and business needs. Professional and on time.”
Coral Publishers
Executive
“Zethic Technologies is a true partner.”
Geordana
CEO
Frequently asked
Still unsure? Send us the question you actually need answered and a senior engineer will reply.
Book a demoFrom your own liquidity relationships. The platform connects to bank FX desks, non-bank providers and market-data feeds, normalises pricing into one book, and applies your margin rules. It does not impose a rate source of its own.
Every quote returns a held rate, the fees, the exact receive amount and an expiry timestamp, and within that window the customer gets the rate they were shown. After expiry the platform re-quotes explicitly rather than silently applying a new rate.
Data is encrypted with AES-256 at rest using per-tenant key separation and TLS 1.3 in transit, with keys in a managed KMS or HSM. Console access requires MFA, roles are scoped and time-boxed, and every action is written to an immutable, attributed audit log.
Yes. Quotes, wallets, conversions, payouts and screening results are exposed over versioned REST APIs and signed webhooks with idempotency keys and OpenAPI specs. Liquidity providers, rails, KYC vendors and monitoring systems are connectors behind documented interfaces.
You choose: your own cloud account or a regional tenancy, so data stays in the jurisdiction your regulator expects, with isolated per-country tenancies available. Screening runs inline before funds move, corridor rules and limits are configurable, and every quote, conversion and payout is retained for your record-keeping period. Licensing and regulatory authorisation remain yours as the operator.
Tell us the currencies you move, the rails you use today and where the spread or delay hurts. A senior engineer will walk you through quoting, conversion and payout on representative data.
Share your context
Corridors, volumes and liquidity relationships. We sign an NDA first.
See a live walkthrough
A locked quote, a ledger posting and a payout to a local rail.
Get a rollout plan
Provider and rail connectors, corridor sequence, compliance wiring and licensing.
Tell us the currencies you move, the rails you use today and where the spread or delay hurts. A senior engineer will walk you through quoting, conversion and payout on representative data.
