Routing Optimizer
Pick the cheapest, fastest, or most-resilient corridor across cards, ACH, SWIFT, local rails, and stablecoin bridges. Re-routes mid-flight on failure.
- Vertex AI
- Cloud Run
- Memorystore
~ $cat./products/pay-intelligence.md
Product · Pay IntelligenceMove money like a
machine learning system.
AI-powered routing, hedging, reconciliation, and settlement for cross-border treasury. Built on Vertex AI and operated from Canada.
~ $cat./modules
Six modules. One treasury.
Designed to be adopted incrementally — start with one module, layer the rest.
FX Hedging Co-pilot
An LLM that reads your exposure, your counterparties, and live spot/forward feeds, then proposes hedge programs you can approve or edit.
- Gemini Pro
- BigQuery
- Vertex Eval
Settlement Reconciler
Match T+0 / T+1 / T+2 settlements across rails. Auto-flag breaks, draft remediation tickets, and generate evidence for accounting.
- BigQuery
- Document AI
- Pub/Sub
Stablecoin Bridge
Compliance-aware routing of fiat ↔ regulated stablecoins. Travel-rule data exchange and beneficial-owner attestations baked in.
- Vertex AI
- Cloud DLP
- Workload Identity
Treasury Q&A
Ask in plain English: "What's our CAD-EUR position over the next 30 days, including pending invoices?" Read-only, audited.
- Gemini Pro
- BigQuery
- Cloud SQL
Anomaly Sentry
Catches duplicate payments, unusual fees, and corridor-level cost regressions before they hit the books. Slack and email alerts included.
- Vertex Predict
- Cloud Functions
~ $cat./use-cases
Where it lands.
From SMB payouts to enterprise treasuries. Wherever cross-border money meets latency and FX.
SMB payouts in 12 currencies
An online marketplace pays sellers in 12 currencies daily. Pay Intelligence routes via the cheapest viable corridor for each payee, with same-day settlement on 9 of them.
Real-time cost-vs-speed tradeoffs
A B2B platform exposes "send in 1 hour" or "send in 1 day" to its customers. The router picks the rail dynamically based on price, FX, and risk.
Compliance-aware stablecoin settlement
A digital-asset payment processor settles in regulated stablecoins where licensed; the bridge automatically falls back to fiat where not.
Treasury automation for a Series A startup
A 20-person startup uses Treasury Q&A to manage runway in three currencies without hiring a dedicated treasurer.
Get a live routing demo.
We'll plug a sandbox into one of your corridors and show you the cost, speed, and FX delta against your current setup.