Correspondent banking was built for a different era. Today, remittance providers, FX and CFD Brokers, Corporate Treasury functions, and Payment Service Providers (PSPs) are paying a premium for infrastructure that no longer serves them.
COINPAYMENTS provides the money movement infrastructure to route capital faster, at lower cost, and without the intermediary dependencies that make legacy systems a commercial constraint.
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Whether you are a remittance provider serving high-volume corridors, an FX or CFD broker and their vendors managing client deposits and withdrawals across varied jurisdictions, a corporate treasury function moving capital between entities, banks seeking digital asset rails, or a PSP building the next generation of financial infrastructure, the limitations of legacy rails are a direct commercial constraint.
COINPAYMENTS provides the infrastructure to eliminate those constraints. A single platform operating globally, with near-instant settlement finality and a compliance framework designed for regulated financial services businesses.
Sources: Axi, April 2026, European Central Bank, Fireblocks 2025, EY-Parthenon 2025, Visa / BVNK 2025
48% of financial institutions now cite faster settlement as the primary reason for adopting stablecoin payment infrastructure, with 41% reporting cost reductions of 10% or more. Stablecoins settled $5.7 trillion in payment-specific volume in 2024, with supply growing from $5 billion to over $300 billion in five years.
Pain points
Mid-market brokers processing 8,000 monthly withdrawals at $30 average incur $2.88M annually in correspondent fees alone. Each transfer moves through 2–4 intermediary banks, each extracting a routing fee and FX spread.
SWIFT averaging T+3 forces brokers to hold idle liquidity buffers, capital that sits dormant during volatile sessions, creating both a cost and a client satisfaction risk.
Operating under 5–8 PSP agreements across multiple jurisdictions means independent KYB, AML, and reporting for each, costing $300K–$1.2M annually for a mid-market operator.
Correspondent banking requires Nostro accounts or established agreements in each market. Brokers lose clients in high-growth emerging markets. Firms relying on card payments face chargeback risk and a 30–40% failure rate in emerging markets.
Correspondent banking requires Nostro accounts or established agreements in each market. Brokers lose clients in high-growth emerging markets. Firms relying on card payments face chargeback risk and a 30–40% failure rate in emerging markets.
COINPAYMENTS resolves
• From 0.75% processing fee, replacing $18–$45 per withdrawal across multiple PSPs
• Near-instant settlement via GAP600 mempool integration - 98% of payments confirmed in seconds, not days; cards and chargeback risk no longer necessary
• Single KYB event via SumSub and RiskScreen, replacing 5–8 independent compliance stacks globally
• 180+ country coverage, operating independently of correspondent banking relationships
For a mid-market broker processing 5,000 monthly withdrawals: $90K–$270K in annual fee savings (illustrative, based on stated assumptions), faster client experience, and geographic coverage that supports acquisition in markets current infrastructure cannot reach.
Business verified via SumSub, monitoring via RiskScreen
Amount, currency, destination confirmed
Sizeable transactions reviewed before processing
T+0, capital deployed same day
Full audit trail for compliance
Mempool integration confirms 98% of payments in seconds, converting a multi-day settlement window into a near-real-time event. Rates locked for one hour; operators receive confirmed settled value immediately.
API-first architecture with webhooks, batch processing endpoints, and full compliance documentation, replacing multi-PSP infrastructure with one integration and structurally lower ongoing maintenance.
A single documented compliance event covering all markets, replacing independent compliance stacks and directly additive to existing Money Services Business (MSB) and Electronic Money Institution (EMI) programmes.
Operating independently of correspondent banking relationships, including Sub-Saharan Africa, Middle East, Southeast Asia, and Pacific Islands, where legacy rails fail or charge highest.
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Accept and settle across digital assets with option to convert to fiat or stablecoin equivalent, operators never need to hold volatile assets on their balance sheet.
Get up and running faster than you'd expect.
Still have questions? Head over to our full FAQs.
Sign up and complete onboarding including KYB via SumSub and RiskScreen, a single compliance event covering all markets.
Connect COINPAYMENTS to your platform, treasury system, or aggregator infrastructure. API-first architecture with webhooks and batch processing endpoints.
Set preferred currencies, settlement parameters, and account permissions.
Start routing capital in near real-time. Our team remains on hand throughout and beyond launch.
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