International
Money crossing borders, with every step in view.
Send and receive euros via IBAN and SEPA and dollars via ACH, tracking every step, with messages in the international ISO 20022 standard. For other countries, SWIFT transfers follow the same standard.
- SEPA, including instant
- ACH to US accounts
- ISO 20022 messaging
01 — Benefits
More clarity in every transfer
An international transfer does not have to be a black box.
SEPA Instant
Euros to the entire SEPA area, including instant transfers when the receiving institution supports them.
Name checked before sending
For euro transfers, the payee's institution confirms that the name matches the IBAN before the money leaves.
Dollars via ACH
Send to and receive from accounts in the United States, with returns handled automatically.
Automatic reconciliation
The partner institution's statement is reconciled against each order, with no spreadsheets.
02 — Rails
Three rails, one account
Euros, dollars and transfers worldwide, each on its own rail.
- IBAN and SEPA
Euros to the SEPA area, standard or instant, with payee verification.
- ACH
Dollars to accounts in the United States, with returns handling.
- SWIFT
International transfers with MX (ISO 20022) messages, through partner institutions.
03 — How it works
Every step, tracked
You know where your money is, from request to reconciliation.
You enter the destination
IBAN and name for euros; account and routing number for dollars. The details are validated before proceeding.
The order is issued
The transfer becomes a structured message with a unique end-to-end identifier.
The status comes back structured
Settled, pending or rejected with the official reason code: the response updates the order automatically.
The statement closes the loop
Settlement is checked against the statement, and the transaction is reconciled in your history.
04 — ISO 20022
The MX messages, one by one
The international payments industry is migrating from legacy SWIFT MT messages to the MX format, based on ISO 20022. On the platform, SWIFT transfers use the MX format and follow what each country's regulations permit.
ISO 20022 standard messages
| Code | Official name | Purpose |
|---|---|---|
| pain.001 | CustomerCreditTransferInitiation | Customer credit transfer initiation: the payment order sent to the institution. |
| pain.002 | CustomerPaymentStatusReport | Payment initiation status report: the response on the status of the order. |
| pacs.002 | FIToFIPaymentStatusReport | Payment status between institutions. |
| pacs.028 | FIToFIPaymentStatusRequest | Payment status request, used when the outcome of an instant transfer is uncertain. |
| camt.053 | BankToCustomerStatement | Account statement, used for automatic reconciliation. |
| pacs.008 | FIToFICustomerCreditTransfer | Customer credit transfer between institutions. |
| pacs.004 | PaymentReturn | Payment return. |
| camt.054 | BankToCustomerDebitCreditNotification | Debit or credit notification on the account. |
Transactions are subject to the regulations applicable in each country.
05 — In practice
For those operating in more than one country
From a supplier in Europe to a customer in the United States.
Supplier in Europe
Pay in euros via SEPA, with the payee's name verified before sending.
Customer in the United States
Receive dollars via ACH and keep your dollar balance in the same account.
Multi-currency treasury
Track every order by its end-to-end identifier and reconcile without spreadsheets.
06 — What sets it apart
Built on the common language of payments
ISO 20022 is the international standard for financial messaging. The platform speaks this language for euro transfers and for SWIFT transfers.
- Structured data in every message: parties, amount, currency and reference
- End-to-end identifier, from request to reconciliation
- Rejection reasons with the official code, not generic text
- Transactions subject to the regulations applicable in each country
07 — Security
Every transfer, exactly once
Controls designed for money that moves across different systems.
Payee verification
Before every euro transfer, the payee's name is checked with the receiving institution.
No double effects
Each transfer changes state only once: repeated responses never settle or reverse it twice.
Check before reversing
If the outcome of an instant transfer is uncertain, the platform queries its status and never reverses without a response.
Four-eyes approval on large withdrawals
Withdrawals above the configured threshold require approval from two people.
08 — Questions
Frequently asked questions
How do SWIFT transfers work?
SWIFT transfers use MX messages in the ISO 20022 standard and go through partner institutions. For euros, there is SEPA; for dollars in the United States, ACH.
What is ISO 20022?
It is the international standard for financial messaging. Each transfer carries structured data, which makes tracking and reconciliation possible without manual work.
How long does it take?
It depends on the rail. SEPA Instant settles immediately when the receiving institution supports it; standard SEPA and ACH follow each system's cycles.
Can I receive money from abroad?
Yes, in euros via IBAN and in dollars via ACH, depending on each rail's availability for your account.
Take your account global
Open the account, verify your identity and track every transfer, from request to reconciliation.
International transfers depend on partner institutions and on the availability of each rail in your country. Transactions are subject to the regulations applicable in each country.
Platform
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