Wins the right to exist
Governance & Control
01
You own the risk. Not the rail.
You ownthe risk.Not the rail.
01
Accountability escalated to the board.
Payment failure and financial crime have moved from treasury operations to the audit committee and the regulator.
02
Ecosystems outgrew the infrastructure.
Platforms already run as governed networks. Payments remain open, opaque, and externally controlled.
03
Modernization solved for speed, not control.
Faster rails move ungoverned payments faster. Real-time settlement is real-time exposure.
The market has been solving for speed. The real problem is control.
The CPN argument
The CPN argument
01
The premise
Modern enterprises have industrialized governance. Information access, supply chain membership, procurement, data residency: every one of them runs on rules the company sets and enforces.
02
Money movement is the exception
The moment value leaves the organization, control transfers to banks, schemes, and rails that set their own rules, run on their own timelines, and apply their own risk appetite.
03
The contradiction
The organization carries full accountability for every payment outcome: fraud, sanctions exposure, failure, delay, regulatory findings. It holds almost none of the authority over the infrastructure producing them.
04
The diagnosis
Accountability without authority is not an efficiency problem. It is a governance architecture problem.
05
Checked too late
Compliance is still checked at the bank, after funds are committed. That is why payments get frozen instead of prevented.
06
The architectural fix
Put a control plane ahead of the rails, so every payment is governed before it moves and every rail becomes interchangeable execution.
CPN sits ahead of your payment rails.
One connection to all your banks at once, and every payment governed before it moves.
How it works
The path
Traditional banking to digital assets to private networks.
TRADITIONAL RAILS
01
Connect once
One connection to all your banks at once, through a SWIFT-certified service bureau reaching 12,000+ institutions, integrated with your ERP and TMS.
02
Encode your rules
Identity across KYB, KYC, and KYA, screening, limits, approvals, and jurisdiction policy configured once in the Control Fabric and applied to every payment, on every rail.
03
Govern every payment
The control surface checks each transaction before, during, and after execution: payee verification, sanctions and PEP screening, limits, approvals, quote tolerance, reconciliation. Nothing moves unchecked, and the audit trail writes itself.
04
Extend to digital corridors
Send, receive, and convert digital assets. On-ramp and off-ramp between Canadian dollars and RLUSD in Canada, and you never touch the token. Cross-border payouts at as low as 0 FX and 0 fees*.
05
Build your private network
Verified members, payments addressed by CPN ID, rich data travelling with every transfer, instant on-us settlement, and CPN takes no spread inside the network.
* Corridor pricing varies by corridor, currency pair, and volume. As low as 0 FX and 0 fees reflects CPN's floor pricing on eligible digital corridors, confirmed per corridor at onboarding.
$250B+
moved annually through CPN
12,000+
banks reachable through one connection
SIP
SWIFT-certified bureau operated by CPN
PSP
regulated under the RPAA, supervised by the Bank of Canada
MSB
FINTRAC-registered Money Services Business
SOC 2
Type 2 attested
The value framework
Three cumulative layers
Each layer compounds the one before it, mapped to the path.
Governance & Control
Fraud exposure reduction
Payee verification and confirmation of payee run before execution, stopping the payment that investigation cannot bring back.
Wins the right to exist
Governance & Control
01
Wins the budget
Economics
02
The moat
Network Power
03
Governance & Control
Fraud exposure reduction
Payee verification and confirmation of payee run before execution, stopping the payment that investigation cannot bring back.
Partners
- IBM
- Ripple
- Visa
- AWS
- Neterium
- Movitz
- SWIFT