Cross-Border Corridors + FX Infrastructure
Cross-border pay-in and payout corridors with FX, partner routing and corridor-level economics.
What this is, in one paragraph.
Built a corridor abstraction over multiple PSPs and remittance partners so global merchants saw one API and one economic model, and routing, FX and compliance happened underneath.
“Cross-border pay-in and payout corridors with FX, partner routing and corridor-level economics.”
Each rail is wrapped behind the same contract; corridor routing chooses on cost, success rate and partner health. FX, sanctions and reporting are platform concerns, not corridor-specific glue.
The job to be done.
Global merchants needed reliable, compliant pay-in and payout into Pakistan, Bangladesh, Nepal, Iraq and Egypt, and local merchants needed cross-border payouts and FX.
What we shipped.
- Corridor abstraction layer over multiple PSPs and remittance partners
- FX engine with margin controls and quote/lock flows
- Smart routing using cost, success rate and partner health
- Compliance overlays per corridor: limits, screening, reporting
How it's put together.
- Corridor = (source, destination, method, partner set, policy). Treated as a first-class product object.
- Quote/lock FX flow with hedge accounting awareness
- Per-corridor compliance pack (limits, KYC tier, reporting) versioned alongside the corridor
Where I sat in the work.
Owned partner strategy, commercial negotiations and the product surface that exposed corridors to merchants.
What moved.
- Live corridors covering UAE, Pakistan, Bangladesh, Nepal, Iraq and Egypt
- Lifted corridor success rates via cost+success-rate routing and per-rail retry curves
- Made cross-border economics transparent to merchants
What we chose against.
- Standardized corridor contract slowed early partner onboarding; paid off after partner #3
What I'd take into the next build.
- A corridor is a product, not a partner integration. Owning the abstraction is owning the margin.
- Local methods plus FX, not cards alone, win cross-border in emerging markets.
Relevance to networks, PSPs and cross-border platforms.
Wise, Thunes, DLocal, Stripe Connect and Adyen for Platforms all sell some version of this. This is what shipping it actually looks like.
Discussing payment infrastructure / product leadership roles?
Reference-available. Download the résumé or get in touch.
More case studies
A regulated, multi-rail payments platform processing $1B+ annual GTV and 25M+ monthly transactions across pay-in, payout, wallets (DCB/IBFT), card acquiring (MPGS/MDES), settlement, FX and cross-border corridors, PCI DSS and ISO/IEC 27001 certified.
Automated merchant onboarding pipeline, KYC/KYB, UBO discovery, sanctions and PEP screening, risk-tiered decisioning with full audit trail. Activation cut from weeks to hours; manual review load down 70%.
A multi-rail settlement and reconciliation engine, canonical double-entry ledger, three-way auto-reconciliation, exception management and corridor-aware payout windows. Closed the gap between treasury, finance and product at $1B+ GTV.