Infrastructure

A single engine for every leg of a cross-border settlement.

AskPay owns the whole stack — intake, compliance, treasury, FX, payout — so you integrate once and operate under one regulated counterparty.

Originator capture

01

Funds enter via your local rail — EFT, Interac, ACH, SEPA, FPS, or a partner bank wire. We map every inbound to a deterministic transaction object before any value moves.

  • Idempotent intake API
  • Per-client virtual accounts
  • Webhook events on every state change

Compliance gate

02

Every settlement passes through real-time sanctions screening, KYB validation, and travel-rule data assembly under our FINTRAC program, before any FX leg is executed.

  • OFAC, UN, EU, OSFI lists
  • Travel-rule originator/beneficiary fields
  • Case management for manual review

Treasury & FX

03

Our treasury engine sources liquidity from a panel of regulated counterparties, executes the conversion, and books an atomic ledger entry — so source and target legs settle as one event.

  • Mid-market reference pricing
  • Pre-funded liquidity in 28 currencies
  • Daily netting against partner banks

Local-rail payout

04

We terminate funds on the recipient's domestic real-time rail — UPI, PIX, FPS, SPEI, FAST, NIP — so beneficiaries get value in seconds, with structured remittance data attached.

  • Real-time rails in 18 markets
  • Same-day batch in 22 more
  • Reconciliation file per cut-off

Engineered for institutional volume.

Latency
< 400ms

API to ledger commit

Throughput
5k tps

Sustained on the engine

Availability
99.99%

Trailing twelve months

Recovery
RPO 0s

Synchronous ledger replication