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INSTITUTIONAL SETTLEMENT & REMITTANCE NETWORK

Borderless settlement. Built for institutions.

Real-time cross-border settlement with local stablecoins. No pre-funding. No unnecessary currency movement.

Talk to SalesHow ISN Works

MSB (US) · MPI (SG) in preparation · Thailand JV in operation · Joint patent with K Bank

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TRUSTED PARTNERS

Anchor Partners

Already working with us

THE OPPORTUNITY

A $660B market ready for better rails.

Today's cross-border payments are slow, expensive and fragmented. We're building the infrastructure for a more open, inclusive financial future.

Sources · McKinsey 2025 · BIS 2025 · World Bank Q1 2025

Explore the opportunity

$660B

Annual cost of cross‑border payment inefficiencies

$1.0

Target fee per transfer

↑92%

Target cost reduction vs. correspondent banking

25 companies

Partners in onboarding

15 countries

Countries in onboarding

THE PROBLEM

The correspondent banking system remains slow, costly, and opaque.

Funds pass through multiple banks, adding delays, costs, and complexity.

  • Looking up at glass bank towers
    01

    $240B

    36%

    HIGH TRANSACTION COSTS

    Bank Fees · FX Margins

    Multiple intermediary fees and FX margins accumulate across each transfer.

  • A bank vault stacked with cash
    02

    $390B

    59%

    TRAPPED LIQUIDITY IN NOSTRO

    Nostro Liquidity Trap

    Pre-funded capital remains locked across the global banking network.

  • Congested city highway interchange
    03

    $30B

    5%

    SETTLEMENT DELAYS AND FAILURES

    Float · Failed Settlements

    Settlement delays and reprocessing costs create additional losses.

HOW ISN WORKS

No pre-funding. Connect by message, settle by netting.

ECONIER adds a neutral settlement layer on top of the existing financial system, connecting banks and payout institutions by message and settling efficiently through netting.

  1. 01OFISending institution
  2. 02Quote matchingBest route & FX match
  3. 03Vault lockupCollateral locked in vault
  4. 04BFI payoutInstant local payout
  5. 05NettingTransactions netted
  6. 06USD settlementOnly the difference, in USD

IN DETAIL

A transfer takes just three steps

ECONIER handles the complex process. Financial institutions complete transfers safely and quickly in just three steps.

Steps 03 → 06 above, simplified into three steps from the transaction's point of view.

  1. 01

    Lock collateral

    The sending bank locks stablecoins equal to the transfer amount in a smart contract vault.

    • Real-time lock-up
    • Smart contract based
    • Funds kept secure

  2. 02

    Pay out locally

    The receiving bank verifies the lock-up on-chain and pays the recipient instantly in local currency.

    • Real-time payout
    • Received in local currency
    • Works with existing rails

  3. 03

    Settle only the difference

    At set intervals, transactions are netted and only the difference is settled in USD stablecoins.

    • Multilateral netting
    • Lower cost by settling the difference
    • Transparent on-chain records

PLATFORM

One infrastructure, four layers

A unified infrastructure for faster, safer, and more transparent global payments.

Explore the platform
Four stacked glass layers: remittance, settlement, compliance, and data

  • Remittance Layer

    Quote matching · Collateral vault deployment · Messaging standard

  • Settlement Layer

    Netting · Multisig vault release · USD settlement

  • Compliance Layer

    KYT · Sanctions screening · Regulatory reporting

  • Data · Oracle

    Oracles for FX rates, peg, and reserve monitoring

THE NETWORK

Starting in 3 countries, becoming Asia's standard.

We partner with leading banks, payment providers and stablecoin issuers to build a more inclusive financial future across Asia and beyond.

HKSGUAEKRJPTH
ActiveKRTHJPIn preparation· SG · HK · UAE
Signed
11
In technical review
13
In pipeline
32

Target number of partners

  1. 2028
  2. 2031
  3. 2032+
  4. 25
  5. 150
  6. 500
View All Partners

TRUST & COMPLIANCE

Aligned with regulation — removing only the inefficiency.

  • A safe-deposit drawer pulled open from a wall of locked boxes

    Segregated custody

    Client funds held bankruptcy-remote with a qualified custodian

  • Two of three keys connected to approve a signed document (multisig)

    Multisig vaults

    Collateral never moves without both parties' signatures

  • A screening checklist with document, identity, security, and list checks all passed

    KYT · Sanctions screening

    Real-time on-chain monitoring and reporting

  • A document stamped LICENSE in front of regulation and compliance binders

    Licensing roadmap

    MSB (US) · MPI (SG) · BOT Sandbox

INSIGHTS

Research & Insights

  • Three stablecoins standing side by side

    RESEARCH · 2026.09

    The next chapter of cross-border payments

    How stablecoins are reshaping settlement

  • A financial network logo on a glass building facade

    INSIGHT · 2026.09

    Keep the message, rethink the settlement

    What local stablecoins do on top of existing rails

  • A glowing digital chain linked among keywords like compliance, trust, and transparency

    REPORT · 2026.08

    Infrastructure strategy for a multi-currency era

    Designing compliance and security for faster, more transparent finance

Open your bank's next corridor

We respond to inquiries within 2 business days.

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