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PayNetX Global Infrastructure

Uniting the Global Banking Community on Our Mission to Accelerate the World's Transition to Seamless,

Cost-Efficient, & Borderless Value Transfer. 

Building a truly interoperable underlying Value Transfer Infrastructure that seamlessly bridges all existing & upcoming currencies and systems, serving as the backbone of the global financial ecosystem. For the first time in history, delivering previously unseen instant Cross-Border Settlement results and Real-Time data.

Consolidated Liquidity Reserves

PayNetX Account Node operators can consolidate existing liquidity reserves or multi-currency accounts and manage them via a single access point or simply create new liquidity reserves. In any scenario, the benefits include access to global liquidity and previously unseen real-time intraday liquidity management data.

Consolidated Liquidity reserves
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Lightning fast Cross-Border Settlements

At PayNetX, we think that it's unacceptable for a basic cross-border transaction to take 3 to 5 business days to settle, which is why we pride ourselves with our unique technology that allows instant 24/7/365 settlements from and to any currency across the globe, regardless of location and currency pair.


The way it should be in the 21st century.


For the past decade, reducing transactional costs, especially for cross-border payments, has become a key priority for financial institutions.


With its uniqueness, PayNetX is the most cost-efficient solution, reducing transaction costs by up to 80% or more compared to traditional and other existing systems. 

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scalable solution

Scalable solution

Scalability is crucial for modern businesses and technologies. 

In the case of PayNetX, being a scalable solution means that it can handle an unlimited number of transactions, data and users in its ecosystem without compromising its speed, efficiency, and overall reliability. As the platform attracts more financial institutions and customers, it is designed to meet the demands of a larger user base and ensure smooth and uninterrupted operations.

Compliant & reliable

At PayNetX, we recognise the paramount importance of compliance and security in the financial industry. 


By prioritising compliance and security, PayNetX ensures that our customers and partners can conduct their financial activities with complete peace of mind. We are committed to providing a reliable and trustworthy payment infrastructure that meets the highest industry standards and regulations.

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Strong governance

At PayNetX, we believe that strong governance is the cornerstone of a successful and trustworthy payment infrastructure. We are dedicated to inspiring trust among our users by implementing a robust governance framework that guides all interactions within our ecosystem.

Our governance principles are designed to ensure transparency, fairness, and accountability in all aspects of our platform's operations. We strive to maintain an open and inclusive decision-making process, where all stakeholders have a voice and are represented.

Real-time data

At PayNetX, we understand the critical importance of real-time transactional and liquidity management data. Our platform is equipped with real-time tracking capabilities, allowing users to monitor the progress of payments, verify the availability of funds, detect potential fraud or suspicious activities from initiation to settlement.

This level of transparency empowers our users with timely insights into the status of their transactions, giving them greater control and confidence in their financial operations.

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Security & data control

At PayNetX, the security and protection of our users' data is paramount. We have implemented a comprehensive set of robust measures to safeguard the confidentiality, integrity, and availability of all data entrusted to us.


Our unwavering commitment to data protection underpins our reputation as a trusted global payment infrastructure, ensuring that our users can transact with peace of mind and confidence.

Experience previously unseen instant results

Send any currency

Settlement time

Within seconds

Receive any currency

Transaction cost

Significantly bellow average

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Welcome to the Future!

Who can
use Pay








How does PayNetX help with the G20 targets

1. Private-Permission based Decentralized Trigger Chain:

  • Instant and Low-Cost Transactions: The private-permission based decentralized trigger chain ensures swift and cost-effective cross-border transactions.

  • Consolidation of Multi-Currency Accounts: Unified multi-currency accounts and transactions offer valuable, previously unseen real time data.

  • Automated Treasury Management: Enhanced liquidity management with automated treasury tools prevents liquidity collapses.

  • Efficient Compliance Validation: Rapid compliance checks streamline the resolution of cross-border transaction exceptions.

  • Streamlined Onboarding Process: Accelerated onboarding for correspondent banking relationships, reducing market entry time.

  • Digitized and Interoperable Networks: Online, digitized payment networks help upgrade global payment corridors.

  • Compatibility with ISO20022: Seamless integration with existing technology infrastructure using the standard ISO20022.


2. Stable Global Liquidity Network Rights (Stable GLNR):

  • Stable and Non-Volatile Currency Exchange: Offers a stable medium for low-cost currency conversions, eliminating volatility concerns.

  • Comprehensive Bridge for Currency Conversion: Provides an efficient bridge for currency conversions, ensuring access to global liquidity.

  • Future-Proof Currency Exchange System: Enables currency-agnostic exchange rights adaptable to any consortium's needs.

  • Expansion of Cross-Border Payments: Facilitates cross-border payment extensions into fiat, crypto, CBDC's and future forms of value.


These principles underlie PayNetX's infrastructure, aiming to mitigate the complexities and challenges within the cross-border payment landscape, offering stable, reliable, and future-ready solutions.

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