Cross-Border Payments Infrastructure

Move money globally, without building from scratch.

A payments engine and global FX platform — enabling banks, fintechs and remitters to plug in cross-border capabilities without building the infrastructure themselves.

Talk to us See the platform

Years serving financial institutions

50+

Liquidity & payment providers

~1M

Transactions processed in 2025

$80B

Lifetime turnover on platform — and growing rapidly

SOC 2 Type 2 Attested · 24/7 Client Support · Cloud-Native, Any Jurisdiction

The platform

One platform. Every stage of the payment journey.

From customer self-service through to back-office automation and multi-rail execution — fully white-label, fully yours.

cymonz.app / payment-board

Cymonz Payment Board — kanban view of active payments by status

Cymonz Payment Operations — bank accounts and payment queue

End-to-end cross-border flows

Spot, forward and limit orders. Multi-currency account management. Web, iOS, Android and WhatsApp — 24/7 self-service.

Partner-agnostic infrastructure

Connect to 50+ liquidity and payment providers. Choose the rails and partners that suit your business — no forced lock-in.

Compliance built in

KYC, AML monitoring, transaction monitoring, PEP and sanctions screening, regulatory reporting — configured to your jurisdiction.

Automated back-office reporting

Real-time dashboards, reconciliation, audit trails and regulatory reporting. Fewer errors, less manual handling.

Fully white-label and brandable

Multilingual, configurable, built to carry your brand. Your customer experience — not ours.

Cloud-native, any jurisdiction

Hosted and managed. Available globally. SOC 2 Type 2 attested.

How a payment flows

1 Customer initiates transfer

2 KYC & compliance check Auto

3 FX rate quoted & locked Auto

4 Best-route rail selected Auto

5 Payment executed & tracked Auto

6 Back-office reconciled Auto

Fits alongside your existing systems

RESTful APIs to integrate with your tech stack and preferred payout partners — low-friction orchestration with your existing environment.

Why Cymonz

The outcomes that matter most.

Built for financial institutions who need to grow, stay compliant, and keep their customers — without trading off one for another.

Accelerate growth

Launch new services faster

Get to market without the build cost or the internal complexity.

Out-of-box: live in weeks
Configured systems: months, not years
Redirect capital to growth, not infrastructure

Stay in control

Your brand. Your partners. Your margins.

No forced licensing. No bundled providers you didn't choose.

Choose your own FX and payout partners
White-label to your brand and UX standards
Configurable compliance and workflows

Scale with confidence

Grow volume without growing headcount

Automated back-office, straight-through processing and cloud-native hosting mean your systems grow with your business — not your team size.

Automated reconciliation and settlement
SOC 2 Type 2 attested security
Continuous product updates, always evolving

Customer experience

The experience your customers deserve — and expect.

Your customers already know what great international payments look like. They use Wise, Revolut, and modern challengers. Cymonz gives you the infrastructure to deliver that same quality of experience — branded to you, within your existing relationship.

Self-service 24/7 via web, iOS, Android and WhatsApp
Real-time transaction status and tracking
Multilingual, fully white-label — your brand throughout
Customer journey you're proud to put your name to
Competitive FX rates through 50+ liquidity partners

Track record

Proven results. Real institutions.

~100%

Transaction volume growth 2023–2025

$80B

Lifetime turnover on platform — and growing rapidly

$52.8M

Generated for clients through improved payments efficiency (FY23–25)

Global

Presence across banks, non-banks & remitters on multiple continents

The Cymonz solution helps us to reduce friction and costs in these very necessary payments, improving accessibility for Pacific families and businesses that rely heavily on overseas transfers.

CEO, Trusted Banking Partner — Pacific Islands

$80B

Lifetime turnover on platform — and growing rapidly.

Why now

The cost of waiting is measurable — and rising.

Cross-border payments has shifted from a back-office function to a front-line competitive battleground. Every quarter of delay is a quarter of customer attrition, revenue loss and compounding complexity.

Market shift

Challengers have already won significant ground

In Australia alone, Wise has grown to over 1 million customers and Revolut to 600,000+ since 2016 — almost entirely at the expense of incumbent banks. The same pattern is playing out across every market where Cymonz operates.

Regulatory tailwind

The G20 roadmap is accelerating the timeline

G20 targets for faster, cheaper and more transparent cross-border payments are driving regulatory change across every major corridor. Institutions that move now inherit the compliance infrastructure. Those that wait will build it under pressure.

Customer expectation

The experience gap is now visible to your customers

Your customers already use real-time, transparent, mobile-first international payments through challenger apps. They compare that experience to yours. The gap is no longer theoretical — it's showing up in NPS, churn data, and lost SME relationships.

The cost of delay

SME FX revenue at risk annually ~30%

Global cross-border payments annually $150T+

New market entrants in 5 years 10,000+

The opportunity

Institutions that deploy Cymonz now enter the next phase of cross-border payments growth with proven infrastructure already in place — rather than building it as the market accelerates away.

Talk to the team

How it works

From first conversation to go-live.

Structured onboarding with a dedicated implementation manager from day one.

Discovery

We understand your environment, your constraints, and what success looks like for your business and customers.

Configuration

The platform is configured to your local environment — compliance rules, payout partners, branding, and workflows.

Integration & testing

Technical integration with your existing systems, team training, and full readiness testing before anything goes live.

Soft-launch

A controlled rollout to validate performance and customer experience in a live environment before full deployment.

Go-live

Full launch with dedicated ongoing support — SLAs, escalation paths, and a team invested in your continued growth.

Out-of-the-box

Live in weeks

Standard deployment with your branding and preferred payout partners connected — up and running fast.

Fully configured

Months, not years

Deep integration with your core systems, custom compliance workflows, and full back-office automation.

Move money globally, without building from scratch.

Built for institutions who move money internationally.

Banks & Financial Institutions

Fintechs & Scalable Challengers

Remittance Operators

Cymonz One

One platform. Every stage of the payment journey.

End-to-end cross-border flows

Partner-agnostic infrastructure

Compliance built in

Automated back-office reporting

Fully white-label and brandable

Cloud-native, any jurisdiction

Fits alongside your existing systems

The outcomes that matter most.

Launch new services faster

Your brand. Your partners. Your margins.

Grow volume without growing headcount

The experience your customers deserve — and expect.

Proven results. Real institutions.

The cost of waiting is measurable — and rising.

Challengers have already won significant ground

The G20 roadmap is accelerating the timeline

The experience gap is now visible to your customers

Compliance isn't an afterthought. It's the foundation.

From first conversation to go-live.

Discovery

Configuration

Integration & testing

Soft-launch

Go-live

Live in weeks

Months, not years

Ready to move forward?