Financial interoperability infrastructure
The orchestration layer for borderless money movement
Connect to modern payment rails for faster, lower-cost cross-border transfers through one API.
What is aeda
Software only.
Licensed partners move the money
aeda connects the systems of licensed banks and payment providers through one cross-border software layer. It holds no funds, takes no FX position, executes no payments and does not compete with its partners.
Non-custodial by design
No customer funds, balances or client accounts exist on aeda’s side of the chain.
Technology, not a financial service
Every regulated act belongs to the licensed institution that performs it.
One integration
Local currency in, EUR into a bank account. Built for regulated institutions.
Our solution
connect once. reach new countries
Settlement runs on stablecoin rails between licensed providers, outside the correspondent chain.
Why it is the shorter route
- Faster settlementMinutes, not 2–5 business days. 24/7.
- No correspondent feesNo per-hop lifting or correspondent charges.
- Fewer intermediariesNo correspondents in between.
- Pre-fundedOne funded position, held by a licensed provider. No nostro chain.
- Traceable by designOn-chain audit trail, less manual matching.
- Compliance-firstEvery check performed by licensed partners.
Where the time and money go
- Slow to arrive2–5 business days, hop by hop.
- Fees at every hopLifting and FX charges. 14.99% on USD 200.
- Four banks deepEach hop can delay or hold funds.
- Cut-offs at every hopBanking hours, cut-offs and holidays apply along the chain.
- Limited transparencyStatus depends on each bank. Manual matching.
- 1973 connected the messagesNot the money: value still moves through pre-funded nostro accounts.
What it costs you
- Quarters per marketEach market is a new project.
- A contract per providerLegal and risk review, every time.
- You maintain every legIncidents and upgrades are yours.
- No single viewStatus and reconciliation spread across every system.
Who it’s for
Built for institutions that already hold the licence
The corridor is sold to a licensed financial institution and delivered to that institution’s own customers.
Banks
Reach markets your correspondent network does not serve, without adding a correspondent. Your customer and your pricing stay yours.
Payment institutions
Add an origin market to an existing authorisation without adding a separate partner, contract and integration for each one.
Licensed fintechs
Put a European transfer inside an app that already has the customer, in weeks of integration rather than quarters of sourcing.
Payment service providers
Offer cross-border payouts to the institutions you serve with each regulated step performed by the licensed institution responsible for it.
On the payout side, European banks and licensed providers can partner on payout or settlement for a corridor. Talk to us
Markets in scope
One integration. Every corridor after it is configuration
Armenia to Europe is the first available corridor. Five more origin markets are in the expansion plan, each added through the same integration once its licensed counterparties are in place.
The first active EECA origin corridor.
In the expansion plan.
In the expansion plan.
In the expansion plan.
In the expansion plan.
In the expansion plan.
Recipients receive EUR in bank accounts whose IBANs are reachable through the relevant SEPA payout rail. Reachability depends on the receiving bank and provider configuration — EU membership alone does not establish it.
Origin-market availability, supported destination countries, limits and delivery times are confirmed before launch and may differ by corridor, provider and receiving bank.
Your customers
What they actually receive
The corridor is delivered to the retail and business customers of the institution that integrates it.
Individuals
Retail customers of the partner institution, making transfers from an EECA market to a European bank account.
- Send from the partner app in local currency, at the partner’s own quoted rate
- Recipient identity and account are verified by the European provider through a secure link
- No digital-asset knowledge and no app needed: the recipient is paid in EUR into their own bank account
Available today under the current partner configuration.
Businesses
Business customers of the partner institution, paying suppliers, contractors and staff in Europe.
- Pay into the same SEPA-reachable IBANs, through the same single endpoint
- Stable client references on every transfer, for the business’s own ledger
- Repeat beneficiaries handled through the verified-recipient path
- One daily reconciliation file covering the whole chain
- The partner sets the corporate price and keeps the commercial relationship
Business customers are coming soon. Corridors, limits and eligibility are confirmed before launch and may differ from the retail configuration.
Why institutions choose it
Four reasons, none of them technical
The questions a payments executive actually asks before moving off what they already have.
Keep your brand, pricing and customer
Your customers start transfers in your application, under your brand and your pricing, and you own the relationship. Recipients verify and confirm payout through a secure web page, with no app to install.
Clear responsibilities before launch
Every regulated act is mapped to the licensed institution responsible for it. Your legal and compliance teams review the structure against your permissions and jurisdiction before launch.
Responsibility is written down, not implied
Each step is attributed to the institution that performs it, in a form your risk committee can read rather than take on trust.
Get evidence and reconciliation as standard
Transfer status, the evidence behind each state, and a daily reconciliation file for the whole chain — the records your operations and finance teams need to trace any transfer and identify reconciliation breaks.
Infrastructure and technology providers in the aeda connect operating chain. Scope and availability are confirmed for each partner during scoping.
FAQ
straight answers
What a buying committee asks before the first call.
Commercial
Why not build these connections ourselves?
Building it yourself means sourcing, contracting and integrating licensed providers in each market, then running conversion, payout and reconciliation for every corridor. With aeda connect you integrate once; each new corridor is added as configuration once licensed providers are contracted at both ends.
How is it priced?
A wholesale price per transfer, agreed in the partner contract during scoping. Your institution sets and keeps its own customer price and foreign-exchange margin.
Why is it cheaper than correspondent banking?
The route does not pass through correspondent banks, where per-hop charges arise. The benchmark is the bank channel’s global average total cost of 14.99% on a USD 200 transfer (World Bank, Remittance Prices Worldwide, Issue 54, Q3 2025).
Legal and compliance
Does aeda hold customer funds or crypto-assets?
No. aeda never enters into possession of the funds or crypto-assets transferred, holds no private keys and cannot sign or compel a movement of value.
Who performs KYC, AML and sanctions screening?
Each licensed institution in the chain, in its own jurisdiction and under its own policies. aeda performs no KYC, AML, sanctions or transaction screening.
Does integrating change our licence?
The corridor is designed so that every regulated act stays with the licensed institution responsible for it. Your counsel confirms how this applies to your permissions and jurisdiction during diligence.
Talk to us
See what your institution could unlock
Tell us the market you need and what you want to achieve. We will show you the route, the parties to it, and what your side of the integration looks like.