Cross-border money used to crawl through correspondent banks for days. This rail settles it on-chain across 40+ corridors in under a minute, at a fifth of the cost.
Naively, every remittance is its own on-chain transfer, slow, gas-heavy, and exposed to FX slippage for each leg. We flipped that.
Orders are batched per corridor and netted against opposing flows before anything settles. A corridor sending $5M one way and $4.6M back only puts $400K on-chain. That single decision is where most of the 80% cost reduction and the sub-60s latency come from.
Blockchains reorg, RPC nodes flake, and payout partners go offline, any of which can strand money mid-flight. Temporal models each payment as a durable workflow that checkpoints every step and resumes exactly where it left off.
Settlement is idempotent end to end: a retried order never double-spends, and the PostgreSQL ledger is the single append-only source of truth that every on-chain receipt must reconcile against.
| Component | Technology | Why |
|---|---|---|
| Orchestration | Temporal | Durable, retryable workflows survive chain reorgs and partner outages without losing state. |
| Settlement asset | USDC | Dollar-pegged, deeply liquid, and redeemable 1:1 across every corridor partner. |
| Settlement contract | Solidity | Deterministic on-chain logic with signed, replay-safe USDC transfers. |
| Core services | Go | High-throughput, low-latency gateway and FX engine with strong concurrency. |
| System of record | PostgreSQL | Append-only ledger giving exactly-once, auditable reconciliation. |
| FX & netting |
New corridors are added as declarative config, an FX pair plus a payout partner, no redeploy of core logic.
The locked rate is held for the workflow's full lifetime, so the quoted amount is the settled amount.
Opposing flows cancel before settlement, shrinking on-chain volume and gas to the residual only.
Idempotency keys and durable workflows guarantee no payment is ever sent twice, even under retries.
Every order, FX lock, and on-chain receipt is reconciled into an append-only PostgreSQL record.
Workflows wait for confirmed finality and self-heal through chain reorgs without operator intervention.
“Don't move money across the chain, move only what's left after the chain cancels itself out.”
The rail now settles $120M+ a month across 40+ corridors in under 60 seconds, at roughly a fifth the cost of correspondent banking, with every transaction reconciled against an immutable ledger. By treating settlement as a durable Temporal workflow and pushing only netted residuals on-chain in USDC, it turns a days-long, opaque banking process into a deterministic, auditable, near-instant one. The architecture scales by adding config, not infrastructure: each new corridor is a declarative FX pair and payout partner, leaving the hard-won guarantees, exactly-once, slippage-free, reorg-safe, untouched.
| In-house engine |
| Locks rates and nets corridors so only residual value hits the chain. |