RECRYPOne integration. Every sovereign rail your customers need.
Every new CBDC corridor is normally a new bilateral integration, a new compliance review, a new reconciliation process. Recryp gives commercial banks and payment service providers a single connection into the sovereign digital currency rails your customers are already asking for.
N corridors, N integrations — and that doesn't scale.
As CBDCs go live, banks and PSPs face the same integration burden they had with SWIFT correspondent relationships — except potentially replicated across dozens of sovereign digital rails, each with its own API, message format, and compliance regime. Building and maintaining a bilateral integration per corridor doesn't scale, especially for mid-size banks and PSPs without large payments-engineering teams.
The result is a familiar trade-off: either move slowly and integrate corridors one at a time as demand justifies the engineering cost, or hold off on CBDC settlement entirely and keep routing everything through the correspondent chain you already have — even where a direct sovereign-to- sovereign rail now exists.
Recryp collapses that into one connection. Instead of a new integration project every time a corridor opens, you integrate once and gain settlement reach across every corridor Recryp supports — with compliance, screening, and reconciliation handled consistently across all of them.
The same four-layer stack, built around your operations.
Here's what each layer of Recryp's architecture means specifically for a bank or PSP's payments and compliance operation.
Connectivity
One API into Recryp gives you settlement reach across every CBDC corridor we support, instead of a new integration project per corridor.
Compliance
Travel Rule data and sanctions screening run automatically on every transaction that passes through Recryp, so your compliance team reviews exceptions, not every transaction.
Settlement
Real-time settlement means funds availability for your customer isn't gated by a multi-day correspondent chain — money movement matches the "instant" expectation your retail and business customers already have from domestic rails.
Liquidity & FX
Access competitive FX pricing across sovereign currency pairs without holding nostro balances in every corridor you serve.
What this looks like in practice.
Recryp is pre-seed — these are illustrative scenarios describing the intended use of the architecture, not completed deployments.
A new corridor in a week, not a quarter
Instead of a multi-month bilateral integration project, a bank enables a new CBDC corridor for customers by configuring it inside an existing Recryp connection.
A remittance product that settles same-day
A payment service provider routes an outbound remittance through a CBDC corridor via Recryp instead of a correspondent chain, cutting settlement time from days to real-time.
Consolidated reconciliation across corridors
A bank's back office reconciles cross-border CBDC settlement activity from one Recryp statement instead of separate nostro/vostro statements per corridor.
From payments, treasury, and compliance teams.
Do we need to hold balances on every sovereign rail we transact on?
No — reducing that requirement is a core part of the design. Recryp's settlement and liquidity layer is built to reduce the need for pre-funded balances across every corridor, though the specifics depend on the corridor and your own risk appetite.
How does this fit with our existing SWIFT/correspondent relationships?
We're not asking you to rip out existing rails. Recryp is a settlement option for corridors where a sovereign digital currency exists on both ends, sitting alongside whatever you already run for everything else.
What's required to integrate technically?
We're pre-seed and finalizing the integration architecture with early design partners now. Reach out and we'll walk through what a pilot integration would involve for your stack.
Who's liable if a transaction fails mid-settlement?
Atomic settlement is specifically designed to remove this failure mode — a transaction either completes on both legs or neither, eliminating the classic correspondent- banking "stuck in transit" scenario.
Ready to stop building bilateral integrations one corridor at a time?
Tell us which corridors your customers are asking for — we're prioritizing our first integrations now.