technology architecture · deck §07

Five layers. One corridor.

Each partner owns one job. Remiton owns the user relationship and the routing intelligence between them. The same stack runs under every corridor on /corridors. End to end, a send lands in under 45 minutes, 24/7/365.

USDG · Paxos · NYDFS + MAS regulatedPolygon · sub-2s finality · ~$0.002/txnOpenFX · 15bps · T+0 · 40+ pairsCross River Bank · ACH · RTP · FedNow
01Layers

What sits under each send.

01

User Experience Layer

  • Remiton app · iOS · Android · Web
  • Sender dashboard · live FX quote, send, statement
  • Family wallet app · shared ledger, sub-cards, standing orders
  • AI family coach · cash-flow intelligence on the household
  • Investment portal · agentic wallet (Phase 3)
02

Payment Orchestration Engine

  • Smart routing logic across the live corridors
  • OpenFX rate-lock → accept API · idempotent quote handoff
  • Paxos mint / redeem · USDG <-> USD inside the rail
  • Internal ledger · free P2P inside Remiton, audited end-to-end
  • Webhook event handling · provider callbacks land here first
03

Stablecoin Settlement Layer

  • USDG · Paxos · NYDFS + MAS regulated
  • USDC · secondary settlement asset
  • Polygon chain · sub-2s finality · ~$0.002/txn
  • Sequence · non-custodial smart wallets for end users
  • GDN yield · ~3.5% / year on USDG balances (Paxos shared)
04

FX Liquidity Engine

  • OpenFX · 15bps per transaction · no pre-funding
  • 40+ trading pairs · 24/7 · T+0 settlement
  • INR third-party settlement · live
  • Virtual IBANs · EUR / USD / AED / INR (rolling out)
  • Sub-60-minute settlement window per pair
05

Fiat Banking Spine

  • Cross River Bank · US national bank charter
  • ACH · RTP · FedNow · Fedwire on the US send side
  • FDIC-insured virtual accounts per user
  • CoinMe + Fireblocks · custodial wallet + on-ramp / off-ramp
  • Omnibus pool with MPC key management · live
06

Compliance & Identity

  • Sumsub · KYC + KYB · identity, document liveness, watchlist + PEP
  • Chainalysis · AML on the chain rail · exposure attribution, SAR packs
  • SAR / CTR scaffolding · threshold detection + manual-review queue
  • Audit-event row per money-affecting action · trace-id round-trip
  • Per-route + per-actor rate limits · token-bucket sliding-window
02Payment flow

The flow, end to end.

Sender funds via ACH or FedNow (Cross River Bank). USDG is minted by Paxos. OpenFX converts at 15 basis points. INR / AED / GBP / PHP is delivered to the recipient bank via IMPS / UAEFTS / FPS / InstaPay. End to end, under three quarters of an hour, with a trace-id on every leg.

SENDER FUND       USDG MINT        FX CONVERT        RECEIVE LEG
ACH / FedNow  ──► Paxos USDG  ──► OpenFX 15bps  ──► IMPS · UAEFTS · FPS · InstaPay
(Cross River)     (NYDFS+MAS)     (T+0 · 40+pairs)   └──► <45 min, 24/7/365 ──►

settlement chain: Polygon · sub-2s finality · ~$0.002 per txn
compliance: Sumsub KYC/KYB on entry · Chainalysis AML on the chain leg
03Partner stack

One stack. Six counterparties.

Rail
CoinMe + Fireblocks
On-chain rail partner · custodial wallet infra · omnibus pool with MPC keys · already live.
Stablecoin
Paxos (USDG)
Stablecoin issuer · USD↔USDG mint/redeem API · GDN yield share (~4%/yr on balances) · NYDFS + MAS regulated.
FX
OpenFX
FX liquidity engine · 15bps per transaction · <60 min settlement · 40+ pairs · 24/7 · no pre-funding.
Chain
Polygon / Sequence
On-chain settlement layer · sub-2s finality · ~$0.002 per txn · non-custodial smart wallets for users.
Bank
Cross River Bank
US banking spine · national bank charter · ACH · RTP · FedNow · Fedwire · FDIC-insured virtual accounts.
Compliance
Sumsub + Chainalysis
KYC/KYB on identity, AML on the chain rail, SAR-grade evidence packs for regulator hand-off.

See the stack in flight.

See the four live corridorsHow we hold the compliance line