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Fintechs & Payment Providers

Bank-grade rails through one integration. Multi-rail reach behind one API surface.

PSPs & money movers

Licensed payment service providers moving client funds at volume, where every new rail has meant a new build.

The problem

Rail-by-rail builds do not scale

Each rail brings its own integration, formats, cutoffs, and failure modes. Engineering time goes to connectivity instead of product, and compliance scales headcount with volume.

Capabilities in play

  • One API surface for every rail. The ISO 20022 API is one surface for every rail: SWIFT, payout networks, and digital corridors.
  • Screening pipeline built in. The screening pipeline is a platform capability: sanctions, PEP, and risk lists in the flow, no internal build, no vendor management.
  • Settlement orchestration. Settlement orchestration across rails: rules decide where each payment settles, with cost, speed, cutoff, and policy evaluated per transaction.
  • Intelligent routing. Intelligent routing picks the least-cost, fastest path per payment across every rail behind the platform.
  • Per-transaction audit trail. Every decision recorded: screening, routing, release, delivery.

Use cases

  • Bank-grade rails through one integration. One API surface reaching SWIFT, payout networks, and digital corridors.
  • Screening as a platform capability. Sanctions, PEP, and risk-list screening in the flow: no internal build, no vendor management.
  • Settlement orchestration across rails. Rules decide where each payment settles: cost, speed, cutoff, and policy evaluated per transaction.

Value emphasisEngineering stays on product and compliance is built in.

Lending & credit platforms

Lenders disbursing at volume and collecting on schedule, where a failed payment is a failed customer moment and a returns problem.

The problem

Disbursement risk and returns drag

Funds must land fast, at the right account, under policy. Mistyped accounts, returns, and manual collection matching each carve margin out of every loan.

Capabilities in play

  • Disbursement orchestration under policy. Limits, approvals, and screening applied to every disbursement before it leaves.
  • Account pre-validation. Accounts verified before funds move, cutting returns at source.
  • Reconciliation automation on collections. Repayments arrive carrying the references that match them to the loan.
  • Audit trail per disbursement. Every disbursement carries its full decision record: rule, version, inputs, outcome, timestamp.

Use cases

  • Every disbursement screened before it leaves. Limits, approvals, and screening applied to every disbursement before it leaves.
  • Returns cut at source. Accounts verified before funds move, cutting returns at source.
  • Repayments match themselves to the loan. Repayments arrive carrying the references that match them to the loan.

Value emphasisCertainty at disbursement and automation at collection.

Payroll and AP/AR automation providers

Product companies whose customers experience payments as the product: payroll runs, payables, receivables.

The problem

The execution layer is someone else's product

Your software promises the outcome, but execution quality belongs to whichever rails sit underneath. High-value payments in particular have been hard to embed credibly.

Capabilities in play

  • Embedded high-value execution. Wire-grade execution embedded behind your own product surface, governed end to end.
  • Rich data for reconciliation. Invoice and run-level references travel with each payment, so client books reconcile themselves.
  • Multi-rail reach on one API surface. One integration covers every rail CPN reaches, including new corridors as they open.
  • Confirmation of payee in-line. Name and account confirmed before funds move, inside the run.

Use cases

  • Wire-grade payments behind your product surface. Wire-grade payments behind your own product surface, governed end to end.
  • Rich data for client-side reconciliation. Invoice and run-level references travel with each payment, so client books reconcile themselves.
  • Multi-rail reach without rail-by-rail builds. One integration covers every rail CPN reaches, including new corridors as they open.

Value emphasisYour product in front with governed execution behind.

Licensed remittance providers & MSBs

Licensed remittance businesses competing on corridor economics, where basis points and delivery times decide the market.

The problem

Corridor economics decide winners

Correspondent chains deduct fees at every hop and float the delivery date. Competing means better economics per corridor and compliance you can prove per transaction.

Capabilities in play

  • As low as 0 FX and 0 fees. Payout corridors at as low as 0 FX and 0 fees: prefund one position and CPN routes least-cost across its payout networks.
  • Least-cost routed T+0 delivery. Delivery lands T+0 on eligible corridors, least-cost routed across CPN's payout networks.
  • Travel rule support. Originator and beneficiary information carried compliantly with every transfer.
  • Per-transaction audit trail. Every decision recorded: screening, routing, release, delivery.

Use cases

  • Prefund one position and deliver T+0. Corridors priced at as low as 0 FX and 0 fees: prefund one position; CPN routes least-cost and delivers T+0.
  • Originator and beneficiary data carried compliantly. Originator and beneficiary information carried compliantly with every transfer.
  • Screening, routing, release, and delivery recorded. Every decision recorded: screening, routing, release, delivery.

Use-case gallery

Cross-border payouts

Situation today
Every corridor is its own integration, its own prefunding pool, and its own fee stack. Costs deduct along the chain and delivery dates float.
How CPN does it
Prefund one position with CPN and send payout instructions by UI, API, or file. CPN selects the least-cost path across its payout networks, provides FX, and delivers T+0.
Outcome
More corridors behind one integration, delivery at T+0, and pricing as low as 0 FX and 0 fees.

Value emphasisEconomics you can price on and compliance you can prove.

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.

CPN: Control where it matters.

Compliance

Controls you can prove per transaction

You hold the licence; CPN gives you controls your regulator can read. Screening, verification, and evidence run in-line on every transaction, under your policy.

  • Screening in the flow

    Sanctions, PEP, and risk-list screening applied before release on every rail you reach through CPN.

  • Travel rule support

    Originator and beneficiary information carried compliantly with every transfer that requires it.

  • Evidence per transaction

    The Evidence & Audit Ledger records rule, version, inputs, outcome, and timestamp for every decision.

  • A regulated counterpart

    Registered Payment Service Provider under the Retail Payment Activities Act, supervised by the Bank of Canada. FINTRAC-registered Money Services Business.

Onboarding

Live in weeks, not months

  1. 01

    Discovery

  2. 02

    Configuration

  3. 03

    Connectivity

  4. 04

    Pilot

  5. 05

    Production

Configuration over custom builds, with 24/7 SLA-backed support from day one.

Want to measure the value this can drive for your business?

Under ten inputs. Three conservative percentages across FX cost, liquidity requirement, and payment operations, framed as a floor, not a forecast.

Archetype preselected · Domestically concentrated

Estimate your value

Indicative and archetype-driven.

Bank-grade rails through one integration.

Contact us about the corridors, rails, and controls your product needs.

Contact usSee payout corridors