Settlement methods
The 7 settlement families behind every route in the corridor dataset — covering 63 rails across 42 markets.
Domestic instant rails
Real-time bank-to-bank credits over national instant payment systems.
Mobile money
Wallet delivery and funding via mobile money networks, interoperable with banks in most markets.
High-value RTGS
Irrevocable central-bank settlement for large tickets.
Batch clearing (ACH-style)
Scheduled bulk credits for payroll and recurring runs.
International wire
Correspondent-chain wires where local rails are not available.
Stablecoin settlement
Documented, invoice-linked USDT settlement within a compliance-reviewed workflow, where eligible.
Domestic bank transfer
Standard interbank credits over each market’s domestic systems.
Side-by-side taxonomy
Settlement methods
Indicative timing per method — the exact window for your payment is stated on the quote.
| Method | Coverage | Indicative timing |
|---|---|---|
| Domestic instant rails | 33 markets | Real-time on eligible rails, around the clock |
| Mobile money | 9 markets | Real-time; wallet limits apply |
| High-value RTGS | 8 markets | Same-day within banking hours |
| Batch clearing (ACH-style) | 6 markets | Same-day to next-day windows |
| International wire | 5 markets | 1–3 business days, route-dependent |
| Stablecoin settlement | 2 markets | Minutes on-chain; end-to-end route-dependent |
| Domestic bank transfer | 17 markets | Rail-dependent — see country rails |
Frequently asked questions
What is a settlement method?
A settlement method is the family of rails a payment leg travels over — for example an instant domestic rail, a batch ACH-style run, an RTGS, a correspondent wire chain or documented stablecoin settlement. Every corridor combines a funding-side and a delivery-side method.
How were these seven families derived?
Every rail in the corridor dataset is classified by how it settles. The seven families are the complete taxonomy that emerges: instant rails, mobile money, high-value RTGS, batch clearing, international wires, stablecoin settlement and standard domestic bank transfers.
Are the timings guarantees?
No — timings are indicative descriptions of how each family is documented to operate. End-to-end timing on a business payment is route-dependent and confirmed per quote.
Explore the payments knowledge graph
Countries · 42
Market profiles: rails, regulators, documents and corridors
Currencies · 22
Currency profiles with every business FX pair
Payment Rails · 63
Domestic and cross-border rails, by settlement family
Providers · 37
Objective capability profiles for payment providers
Settlement Methods · 7
The seven settlement families behind every route
Central Banks & Regulators · 41
Who supervises payments in each market, and what they require
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