ARCHITECTURE

Programmable Settlement Architecture

5 interconnected engines, 4 infrastructure layers, 1 unified API. Each component is independent, auditable, and scalable.

Component Map

Each engine operates independently but communicates with others via events. Hover to see connections.

Decision Engine
Selects rail, FX, route
Compliance Engine
Pre-execution KYC/AML
Settlement Engine
Atomic multi-rail execution
Reconciliation Engine
Cryptographic proof per tx
Reporting Engine
Automated regulatory reports

Hover over a component to see its connections

Layer Diagram

Network → Application → Data → Custody. Each layer is independent and scalable.

Network Layer

Layer 1
PIX / ACH / SEPA
Local bank rails
SWIFT
Correspondent banking
Ethereum / Polygon / Arbitrum
Blockchain rails
FX Providers
Multi-provider FX

Application Layer

Layer 2
Decision Engine
Scoring + route selection
Compliance Engine
Pre-execution KYC/AML/CFT
Settlement Engine
Atomic multi-rail execution
Reconciliation Engine
Cryptographic proof

Data Layer

Layer 3
Immutable Ledger
Record of every transaction
Audit Trail
Complete decision log
Regulatory Reports
Automated export
Metrics & Observability
Real-time dashboards

Custody Layer

Layer 4
MPC (Dfns)
Distributed signing
HSM FIPS 140-2
Security hardware
Asset Segregation
Per-client isolation
Cold Storage
Offline reserves

Engine Specifications

Inputs, outputs, SLAs, and tech stack for each engine. Click to expand.

The Decision Engine evaluates each transaction in real time using a multi-variable scoring model. It analyzes cost, speed, availability, risk, and compliance of each available rail to select the optimal route. When the primary rail fails, the engine automatically redirects to the secondary without manual intervention.

Inputs
Corridor (origin/destination)
Amount and currency
Client risk profile
Required SLA
Rail status (real-time)
Outputs
Selected rail (primary + fallback)
Locked FX quote
Confidence score (0-100)
Estimated settlement time
Estimated total cost
Tech Stack
Rule EngineReal-time FeedsML ScoringCircuit Breaker

Transaction Flow

From request to cryptographic proof in < 60 seconds.

1
API Request
POST /v1/settlement
0ms
2
Decision Engine
Scoring + route selection
< 200ms
3
Compliance Engine
KYC/AML/CFT check
< 500ms
4
Settlement Engine
Atomic execution on rail
< 60s
5
Reconciliation
Cryptographic proof generated
Real-time
6
Reporting
Audit trail + report
Async

Want to Explore the Architecture in Detail?

Schedule a technical session with our engineering team.

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