RECRYPGet paid — and pay — at the speed your goods actually move.
If your business buys or sells across borders, your cash conversion cycle is still held hostage by a payment rail built for the 1970s. Recryp lets corporates settle cross-border trade in sovereign digital currency, with compliance and FX handled inline, not as a separate multi-day process.
Your goods clear customs faster than your payment clears the bank.
A trade invoice can be agreed, goods can ship, and customs can clear in days — while the payment behind it sits in a correspondent banking queue for the same amount of time, or longer. Letters of credit and traditional trade finance instruments add cost and paperwork on top, and exist largely to manage a risk that a faster, more transparent settlement rail would reduce in the first place.
For SMEs without a treasury desk, this isn't a background inefficiency — FX risk and payment delay eat directly into already-thin margins, and a slow cash conversion cycle can be the difference between taking on the next order and not.
Recryp settles cross-border trade payments directly in sovereign digital currency — each side in their own currency, compliance data traveling with the payment automatically, and FX priced at the moment of payment instead of whenever the transfer finally clears.
The same four-layer stack, built around your invoice.
Here's what each layer of Recryp's architecture means specifically for a trade payment.
Connectivity
Settle directly against your trading partner's sovereign digital currency rail without both parties needing accounts at the same correspondent bank network.
Compliance
Trade-specific compliance data — invoice reference, counterparty screening — travels with the payment automatically, reducing the manual documentation trade finance normally demands.
Settlement
Payment on shipment or on delivery can settle same-day instead of waiting on a correspondent chain — shortening your cash conversion cycle directly.
Liquidity & FX
Lock in FX pricing on sovereign currency pairs at the moment of invoicing, not the moment your bank finally processes the transfer days later.
What this looks like in practice.
Recryp is pre-seed — these are illustrative scenarios describing the intended use of the architecture, not completed deployments.
Paid on shipment, not net-30-plus-clearing
An exporter invoicing a buyer in a CBDC-issuing jurisdiction receives settlement same-day instead of waiting on a correspondent chain on top of standard trade terms.
FX exposure stops floating for a week
An importer settling a large order fixes FX exposure at time of payment instead of absorbing rate movement during a multi-day transfer.
Programmable trade escrow
A payment is structured to release automatically against a settlement condition — such as a shipping confirmation — reducing reliance on a traditional letter of credit for a mid-size trade relationship.
From trade finance and treasury teams.
Do both parties need to be using the same CBDC?
No — Recryp's FX and settlement layer is built specifically to let each side transact in their own sovereign currency. That's the core problem we exist to solve.
Is this a replacement for letters of credit?
Not universally. For some trade relationships, programmable settlement conditions can reduce the need for a traditional LC; for others — especially high-risk or first-time counterparties — traditional trade finance instruments still have a role. We're building toward the former as an option, not mandating it.
We're a mid-size company without a treasury desk — is this only for large corporates?
The opposite is the priority. Large corporates already have the scale to negotiate better banking terms; the cash-flow and FX cost of slow cross-border settlement disproportionately hurts smaller trading businesses — which is who this is built for.
When can we actually use this?
We're pre-seed, building in stealth, and prioritizing our first live corridor. If your trade flows sit in one of the sovereign currencies we're focused on, get in touch — early design partners will shape which corridor goes live first.
Is a live corridor like this actually operating anywhere yet?
Pieces of one are. The UAE's Digital Dirham launched for retail use in March 2026 with cross-border transfer capability already live to Saudi Arabia, India, and China — that's a real CBDC corridor between two of Recryp's own home markets (our HQ is in India, our Global HQ is in Dubai). What doesn't exist yet is neutral, audited infrastructure that lets a trade counterparty on either side settle a commercial invoice on that corridor without both banks building bespoke bilateral integration. That's the specific gap Recryp is building into.
How big is the opportunity you're actually going after?
B2B cross-border payment flows alone are projected to exceed $42.7 trillion in 2026, out of roughly $179 trillion in total global cross-border flows, according to McKinsey's Global Payments Map. None of that volume currently has a common settlement layer across sovereign digital currencies — it all still routes through correspondent banking, regardless of whether either side has a live CBDC.
Further reading: the UAE↔India corridor as an early case study in the Insights hub.
Trading across a border with settlement delay eating your margin?
Tell us about your trade lane and the currencies involved — we're picking our first corridors now.