The platform

Every rail that moves business money — routed, settled and reconciled daily. Phase 1 in build.

The rails

Named rails, not abstractions. Each one is there because a business needed it.

South Africa's instant rail for lower-value, real-time payments.

Real-Time Clearing for high-value domestic transfers that cannot wait for batch windows.

Batch transfers for scheduled, high-volume flows such as payroll and supplier runs.

Authenticated debit orders with bank-verified mandates for collections.

Cross-border SADC payments — 6 corridors: Zambia, Zimbabwe, Namibia, Eswatini, Lesotho, Botswana.

Global correspondent payments for the corridors beyond the region.

8 rails at exit — Phase 1 target.

Multi-currency transfers priced and executed with precision — 6 SADC corridors via TCIB, the rest of the world via SWIFT.

10 currencies

6 SADC corridors via TCIB, plus SWIFT

Every transfer follows the same five stages, whatever the rail. State is visible at each one.

Instructed Amount, currency, destination and purpose captured up front — and validated against the account's authorisation rules.
Screened & quoted Active stage Sanctions and PEP screening on every instruction; FX quoted and locked when currencies differ.
Routed Rail selected by size, urgency, destination and rail health.
Settled Funds move inside the rail's defined window.
Reconciled The movement lands in the single daily feed.

How settlement timing distributes across rails in a typical operating day.

Settlement timing by rail type

Illustrative

POPIA-aligned data handling, scoped per integration. Specifics are part of every scoping conversation.