# Cross-border payments through local rails, SWIFT, and stablecoin-funded settlement

Routefusion gives payroll, marketplace, fintech, and treasury teams one API for sending funds across local rails, SWIFT, and stablecoin-funded settlement. Route by corridor, currency, amount, recipient requirements, and operating need while keeping onboarding, transaction monitoring, ledger visibility, and exception handling in one workflow.

185+

Countries supported

140+

Currencies supported

3

Rail types: local, SWIFT, stablecoin-funded

1

API, ledger, and operations model

## Cross-border payments built for real operating constraints

The hard part is not sending one payment. It is choosing the right rail, collecting the right recipient data, managing compliance review, tracking exceptions, and reconciling every movement at scale.

### Route by corridor and requirement

Use local rails where they improve cost or delivery speed, SWIFT where the corridor or receiving bank requires it, and stablecoin-funded settlement when treasury needs 24/7 funding flexibility.

### Keep compliance in the payment flow

Support KYB/KYC workflows, sanctions screening, transaction monitoring, and purpose-of-payment context without bolting a separate compliance process onto every corridor.

### Give operations one place to work

Track payment status, beneficiary requirements, rail selection, ledger entries, and exceptions through one operating model instead of reconciling across disconnected providers.

## Build a payments product, not a vendor graph

Most platforms start with one urgent corridor, then slowly accumulate banks, payout vendors, FX tools, compliance checks, support processes, and reconciliation spreadsheets. Routefusion lets your team integrate once, then add corridors and rail options through the same payments infrastructure as volume and geography expand.

## Design corridors before volume breaks operations

Cross-border payment quality depends on details that generic APIs flatten: local beneficiary fields, bank account formats, purpose codes, settlement windows, return behavior, and whether local rails or SWIFT make more sense for the amount and recipient. Routefusion helps map those decisions before they become support tickets.

## Protect margins when currency and timing matter

For platforms that quote customers, pay global suppliers, or manage payroll exposure, FX volatility can erase margin between payment initiation and settlement. Routefusion supports cross-border payment workflows alongside FX risk tools, including forward and options-based hedging programs shaped around your operating model.

## What your payment stack needs to handle

- Create and manage beneficiaries with corridor-specific payment details
- Send cross-border payouts through local rails, SWIFT, and stablecoin-funded settlement paths
- Collect purpose-of-payment, recipient, and compliance context before funds move
- Track payment state, rail choice, delivery timing, and exception details
- Reconcile balances and ledger activity across currencies from a single source
- Work with Routefusion on corridor rollout, payment testing, support handoff, and treasury controls

```graphql
const payment = await routefusion.payments.create({
  sourceCurrency: 'USD',
  destinationCurrency: 'MXN',
  amount: '25000.00',
  beneficiaryId: 'bnf_123',
  railPreference: 'local_first',
  purpose: 'vendor_payment',
  idempotencyKey: 'payout_2026_05_04_001'
});

console.log(payment.status, payment.rail, payment.ledgerEntryId);
```

## Why platforms use Routefusion instead of wiring providers together

| Feature              | Routefusion                                               | Patchwork providers                                      |
|----------------------|----------------------------------------------------------|--------------------------------------------------------|
| Rail strategy         | Local rails, SWIFT, and stablecoin-funded settlement through one operating model | Separate vendors per rail, region, or funding method   |
| Compliance workflow    | KYB/KYC, sanctions, transaction monitoring, and payment context built into rollout | Compliance checks spread across vendors, internal tooling, and manual review |
| Operations visibility  | Payment status, exceptions, balances, and ledger activity in one place | Status and reconciliation split across dashboards, files, and support tickets |
| Corridor expansion     | Add new countries and currencies without rebuilding the payment stack | New banking relationships, new integrations, and new support paths |
| Treasury control       | Payments, FX exposure, funding options, and reconciliation designed together | Payment execution separated from FX, funding, and finance workflows |

## Frequently Asked Questions

### When should a cross-border payment use local rails instead of SWIFT?

Local rails are often the better choice when a corridor supports the recipient currency, the beneficiary data is complete, and the payment needs lower cost or faster domestic-style delivery. SWIFT is still useful for certain banks, currencies, high-value payments, or corridors where local rails are not the right fit. Routefusion helps map the right option by corridor instead of forcing every payment through one default rail.

### Can Routefusion support both fiat and stablecoin-funded payout flows?

### What compliance work is built into the payment flow?

### Do we need to build our own ledger and reconciliation layer?

### Who is this product built for?

### How should we scope a rollout?

## Check cross-border coverage by country and currency

Review local payment and wire availability across the network. Final routing depends on corridor, currency, beneficiary bank, amount, and compliance review.

| Region                  | Country                  | Local Payments | Wires | Currency |
|-------------------------|--------------------------|----------------|-------|----------|
| Asia Pacific            | 🇦🇫Afghanistan           |                |       | AFN      |
| Europe                  | 🇦🇱Albania               |                |       | ALL      |
| Middle East & Africa    | 🇩🇿Algeria              |                |       | DZD      |
| Europe                  | 🇦🇩Andorra               |                |       | EUR      |
| Middle East & Africa    | 🇦🇴Angola               |                |       | AOA      |
| Latin America           | 🇦🇷Argentina            |                |       | ARS      |
| Asia Pacific            | 🇦🇲Armenia              |                |       | AMD      |
| Asia Pacific            | 🇦🇺Australia            |                |       | AUD      |
| Europe                  | 🇦🇹Austria              |                |       | EUR      |
| Asia Pacific            | 🇦🇿Azerbaijan           |                |       | AZN      |
| Latin America           | 🇧🇸Bahamas              |                |       | BSD      |
| Middle East & Africa    | 🇧🇭Bahrain              |                |       | BHD      |
| Asia Pacific            | 🇧🇩Bangladesh           |                |       | BDT      |
| Latin America           | 🇧🇧Barbados             |                |       | BBD      |
| Europe                  | 🇧🇾Belarus              |                |       | BYN      |
| Europe                  | 🇧🇪Belgium              |                |       | EUR      |
| Latin America           | 🇧🇿Belize               |                |       | BZD      |
| Middle East & Africa    | 🇧🇯Benin                |                |       | XOF      |
| Asia Pacific            | 🇧🇹Bhutan               |                |       | BTN      |
| Latin America           | 🇧🇴Bolivia              |                |       | BOB      |

## Map your corridors, rails, compliance workflow, and rollout path with Routefusion.