Multi-Rail Routing (Coming Soon)

Coming Soon - Multi-Rail Routing is currently in development and will be available soon. This documentation provides an overview of the upcoming features.

What is Multi-Rail Routing?

Multi-Rail Routing is Venly’s intelligent payment orchestration system that automatically selects the optimal payment rail for each transaction. Instead of being locked into a single payment method, the system dynamically routes payments through SEPA, SWIFT, stablecoin networks, or local rails based on speed, cost, and destination requirements.

Bank Rails

SEPA, SWIFT, Faster Payments, and more

Stablecoin Rails

USDC, USDT, EURC on multiple blockchains

Local Rails

PIX, FPS, CHAPS, ACH, and regional networks

Automatic Optimization

AI-powered routing for best speed and cost

The Problem with Single-Rail Systems

Traditional payment systems force you to choose one rail and live with its limitations:

Traditional Wire Transfers (SWIFT)

❌ 3-5 days settlement time
❌ High correspondent banking fees
❌ Limited transparency
❌ Frequent holds and blocks
❌ Business hours only

Single Payment Processors

❌ Locked into one provider’s network
❌ No flexibility for optimization
❌ Higher costs due to lack of competition
❌ Limited corridor coverage

The Cost of Inefficiency

Issue	Impact
3+ days average settlement	Support tickets pile up
Direct operational losses per corridor block	Eats into margin
72% false positive holds	Legitimate volume flagged

How Multi-Rail Routing Works

1. Payment Request

You submit a payment request via API

POST /v1/payout
{
  "amount": 50000,
  "currency": "USD",
  "destination": "MX",
  "recipient": {
    "accountNumber": "123456789",
    "bankCode": "BANAMEX"
  }
}

2. Intelligent Analysis

Venly’s routing engine analyzes multiple factorsFactors Considered:

Destination country and currency
Payment amount and urgency
Current rail availability and costs
Recipient bank capabilities
Regulatory requirements
Historical performance data
Real-time network status

3. Optimal Rail Selection

System selects the best available rail

Analysis Results:
✓ SWIFT: 3 days, €25 fee
✓ Stablecoin: 15 minutes, €2 fee
✓ Local Rail (SPEI): 2 hours, €5 fee

Selected: Stablecoin Rail
Reason: Fastest + Lowest Cost

4. Automatic Execution

Payment is routed and executed

Funds converted to optimal stablecoin if needed
Transaction submitted to selected network
Real-time status updates via webhooks
Automatic fallback if primary rail fails

5. Settlement & Confirmation

Recipient receives funds

Settlement time: Seconds to minutes (stablecoin) or hours (local rails)
Confirmation sent to both parties
Transaction recorded for compliance
Detailed reporting available

Supported Payment Rails

🏦 Bank Rails

SEPA (Single Euro Payments Area)

Coverage: 36 European countries
Settlement: T+1 (1 business day)
Cost: €0.50 - €2.00 per transaction
Best For: EUR payments within Europe

SWIFT (International Wire)

Coverage: 200+ countries
Settlement: T+2 to T+5 (2-5 business days)
Cost: €15 - €50 per transaction
Best For: Large international transfers, exotic corridors

Faster Payments (UK)

Coverage: United Kingdom
Settlement: Minutes to hours
Cost: €1 - €3 per transaction
Best For: GBP payments within UK

ACH (Automated Clearing House)

Coverage: United States
Settlement: T+1 to T+2
Cost: €0.50 - €2.00 per transaction
Best For: USD payments within US

💎 Stablecoin Rails

USDC (USD Coin)

Blockchains: Ethereum, Base, Polygon, Arbitrum
Settlement: 15 seconds to 5 minutes
Cost: €0.10 - €2.00 per transaction
Best For: Fast USD transfers, crypto-native recipients

EURC (Euro Coin)

Blockchains: Ethereum, Base
Settlement: 15 seconds to 5 minutes
Cost: €0.10 - €2.00 per transaction
Best For: Fast EUR transfers, European crypto users

USDT (Tether)

Blockchains: Ethereum, Tron, Polygon
Settlement: 1 minute to 10 minutes
Cost: €0.10 - €3.00 per transaction
Best For: High liquidity corridors, Asian markets

🌍 Local Rails

PIX (Brazil)

Coverage: Brazil
Settlement: Instant (24/7)
Cost: €0.50 - €1.50 per transaction
Best For: BRL payments in Brazil

SPEI (Mexico)

Coverage: Mexico
Settlement: Minutes to hours
Cost: €1 - €3 per transaction
Best For: MXN payments in Mexico

UPI (India)

Coverage: India
Settlement: Instant
Cost: €0.20 - €1.00 per transaction
Best For: INR payments in India

FPS (Hong Kong)

Coverage: Hong Kong
Settlement: Instant
Cost: €0.50 - €2.00 per transaction
Best For: HKD payments in Hong Kong

Routing Optimization Strategies

Speed-Optimized Routing

Priority: Fastest Settlement

Use Case: Urgent vendor payment
Amount: €10,000
Destination: Brazil

Selected Rail: PIX (Instant)
Alternative: SWIFT (3-5 days)
Time Saved: 3-5 days
Cost Difference: +€2

Best For:

Urgent payments
Time-sensitive transactions
Customer satisfaction priorities
Competitive advantage scenarios

Cost-Optimized Routing

Priority: Lowest Transaction Cost

Use Case: Bulk payroll processing
Amount: €500,000 (1000 payments)
Destination: Europe

Selected Rail: SEPA (€1 per txn)
Alternative: SWIFT (€25 per txn)
Cost Saved: Substantial
Settlement: T+1 (acceptable)

Best For:

High-volume operations
Non-urgent payments
Margin optimization
Predictable cash flow

Balanced Routing

Priority: Best Speed/Cost Ratio

Use Case: Standard cross-border payment
Amount: €5,000
Destination: United States

Selected Rail: Stablecoin (USDC)
Settlement: 15 minutes
Cost: €2
Alternative 1: SWIFT (3 days, €30)
Alternative 2: ACH (2 days, €1)

Best For:

Standard operations
Mixed payment types
General use cases
Default routing strategy

40+ Supported Corridors

Major Corridors

From	To	Primary Rail	Settlement Time	Typical Cost
EUR	USD	Stablecoin	15 minutes	€2
EUR	GBP	SEPA/FPS	2-4 hours	€3
USD	EUR	Stablecoin	15 minutes	€2
USD	MXN	SPEI	1-2 hours	€5
EUR	BRL	PIX	Instant	€3
USD	INR	UPI	Instant	€2
GBP	EUR	SEPA	T+1	€2
USD	PHP	Local Bank	2-4 hours	€4

Regional Coverage

Europe (SEPA Zone)

36 countries
EUR payments
T+1 settlement
€0.50 - €2 per transaction

Americas

US (ACH, Wire)
Mexico (SPEI)
Brazil (PIX)
Canada (EFT)
Argentina, Chile, Colombia

Asia-Pacific

India (UPI, IMPS)
Philippines (InstaPay)
Hong Kong (FPS)
Singapore (FAST)
Thailand, Vietnam, Indonesia

Middle East & Africa

UAE (UAEFTS)
South Africa (EFT)
Nigeria (NIBSS)
Kenya (RTGS)

Automatic Failover & Redundancy

Multi-Rail Redundancy

If the primary rail fails, the system automatically falls back:

Payment Request: €10,000 EUR → USD

Primary Rail: Stablecoin (USDC)
Status: Network congestion detected

Automatic Failover:
→ Secondary Rail: SWIFT Wire
→ Notification sent to sender
→ Payment completes via backup rail
→ No manual intervention required

Intelligent Retry Logic

// Automatic retry with exponential backoff
Attempt 1: Stablecoin (failed - network issue)
Wait: 30 seconds
Attempt 2: Stablecoin (failed - still congested)
Wait: 2 minutes
Attempt 3: Switch to SWIFT (success)

Total Time: 3 minutes to fallback
User Experience: Seamless

Real-Time Monitoring & Analytics

Live Dashboard

Track all payments in real-time:

Active Payments: See payments in progress
Rail Performance: Monitor each rail’s success rate
Cost Analytics: Track savings vs traditional methods
Settlement Times: Average time per corridor
Failure Rates: Identify problematic routes

Performance Metrics

Today's Statistics:
━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━
Total Payments: 1,247
Stablecoin Rail: 856 (68.6%)
Bank Rails: 312 (25.0%)
Local Rails: 79 (6.3%)

Average Settlement: 24 minutes
Cost Savings vs SWIFT: Significant
Success Rate: 99.2%

Use Cases

🎮 Gaming & iGaming Payouts

Challenge: Pay winners globally, instantly Solution: Multi-rail routing

Small payouts (<€1K): Stablecoin rails (instant)
Large payouts (>€10K): Local rails or SWIFT
Regional optimization: PIX for Brazil, UPI for India
24/7 availability: No banking hours restrictions

Results:

95% faster payouts
Meaningful cost reduction
Higher player satisfaction
Competitive advantage

💼 Cross-Border B2B Payments

Challenge: Pay international vendors efficiently Solution: Intelligent routing

Urgent payments: Stablecoin rails
Standard payments: Local rails
Large transfers: SWIFT with best rates
Automatic currency conversion

Results:

3-5 days → 15 minutes average
Substantially reduced average transaction cost
Improved vendor relationships
Better cash flow management

💰 Remittances & Money Transfer

Challenge: Send money home affordably Solution: Cost-optimized routing

High-volume corridors: Stablecoin rails
Emerging markets: Local rail partnerships
Competitive FX rates
Transparent pricing

Results:

Substantially lower fees than traditional remittance
Instant to same-day delivery
Better exchange rates
Increased customer loyalty

🏦 Treasury Management

Challenge: Optimize corporate treasury operations Solution: Balanced routing strategy

Liquidity management: Fast stablecoin rails
Vendor payments: Cost-optimized routing
Payroll: Reliable local rails
Multi-currency support

Results:

Improved working capital
Reduced treasury costs
Better forecasting
Centralized control

Integration

Simple API

One API call, automatic routing:

POST /v1/payout
Authorization: Bearer {token}
Content-Type: application/json

{
  "amount": 50000,
  "currency": "USD",
  "destination": {
    "country": "MX",
    "currency": "MXN",
    "accountNumber": "123456789",
    "bankCode": "BANAMEX"
  },
  "routing": {
    "strategy": "BALANCED",  // SPEED, COST, or BALANCED
    "maxCost": 10,           // Optional: Maximum acceptable cost
    "maxTime": 3600          // Optional: Maximum time in seconds
  }
}

Response

{
  "success": true,
  "result": {
    "payoutId": "payout_abc123",
    "status": "PROCESSING",
    "selectedRail": "STABLECOIN_USDC",
    "estimatedSettlement": "2026-03-31T16:15:00Z",
    "estimatedCost": {
      "amount": 2.50,
      "currency": "EUR"
    },
    "alternativeRails": [
      {
        "rail": "SWIFT",
        "estimatedTime": "3-5 days",
        "cost": 25.00
      },
      {
        "rail": "SPEI",
        "estimatedTime": "2 hours",
        "cost": 5.00
      }
    ]
  }
}

Webhook Notifications

{
  "event": "payout.completed",
  "payoutId": "payout_abc123",
  "rail": "STABLECOIN_USDC",
  "status": "COMPLETED",
  "settlementTime": "14 minutes",
  "actualCost": 2.50,
  "timestamp": "2026-03-31T16:14:23Z"
}

Comparison: Multi-Rail vs Single-Rail

Feature	Traditional PSPs	Single Stablecoin	Venly Multi-Rail
Available Rails	1-2	1	40+ corridors
Settlement Time	T+2 to T+5	5-15 minutes	Optimized per payment
Cost per Transaction	€15-€50	€1-€3	€0.50-€5 (optimized)
Corridor Coverage	Limited	Global but limited adoption	Global + local optimization
Automatic Optimization	No	No	Yes
Failover/Redundancy	Manual	No	Automatic
Business Hours	Yes	No	No
Compliance	Provider-dependent	Self-managed	Built-in

Best Practices

1. Choose the Right Strategy

// Speed-critical payments
{
  "routing": {
    "strategy": "SPEED",
    "maxTime": 600  // 10 minutes max
  }
}

// Cost-sensitive bulk payments
{
  "routing": {
    "strategy": "COST",
    "maxCost": 2  // €2 max per transaction
  }
}

// Balanced approach (recommended)
{
  "routing": {
    "strategy": "BALANCED"
  }
}

2. Set Appropriate Limits

Max Cost: Prevent expensive routing for small payments
Max Time: Ensure SLA compliance
Preferred Rails: Specify preferred rails when needed
Fallback Rules: Define acceptable alternatives

3. Monitor Performance

Track rail performance metrics
Analyze cost savings
Review settlement times
Identify optimization opportunities

4. Handle Webhooks

// Webhook handler example
app.post('/webhooks/venly', (req, res) => {
  const event = req.body;
  
  switch(event.type) {
    case 'payout.processing':
      // Update internal status
      break;
    case 'payout.completed':
      // Notify recipient
      break;
    case 'payout.failed':
      // Handle failure, retry if needed
      break;
  }
  
  res.status(200).send('OK');
});

Security & Compliance

Regulatory Compliance

✅ EU VASP Registration: Licensed virtual asset service provider
✅ SOC 2 Type II: Independently audited security controls
✅ ISO 27001: Information security management
✅ GDPR Compliant: Data protection and privacy
✅ MiCA-Aligned: Preparing for EU crypto regulations

Transaction Monitoring

Real-time AML screening
Sanctions list checking
Fraud detection algorithms
Suspicious activity reporting
Audit trail for all transactions

Data Security

End-to-end encryption
Secure API authentication (OAuth2)
PCI DSS compliance for card data
Regular security audits
Incident response procedures

Frequently Asked Questions

How does the routing engine decide which rail to use?

The engine analyzes multiple factors including destination, amount, urgency, cost, rail availability, and historical performance. It then selects the optimal rail based on your chosen strategy (SPEED, COST, or BALANCED).

What happens if the selected rail fails?

The system automatically falls back to the next best available rail without manual intervention. You’ll receive a webhook notification about the rail change, but the payment continues seamlessly.

Can I force a specific rail for certain payments?

Yes, you can specify a preferred rail in your API request. The system will use that rail if available, or notify you if it’s not possible for that corridor.

How are stablecoin payments settled to fiat?

Stablecoins are automatically converted to the recipient’s local currency at competitive exchange rates. The recipient receives fiat in their bank account or can opt to receive stablecoins directly.

What are the settlement times for each rail?

Stablecoin rails: 15 seconds to 5 minutes. Local rails: Instant to 4 hours. SEPA: T+1. SWIFT: T+2 to T+5. Exact times depend on the specific corridor and rail.

Are there any volume requirements?

For standard multi-rail routing, there’s no minimum volume. However, access to certain premium corridors and custom routing strategies may require €500K+ monthly volume.

How do I track cost savings?

The Fundflow Dashboard provides detailed analytics showing cost savings compared to traditional SWIFT-only operations, broken down by corridor and rail type.

Can I use multi-rail routing for both payouts and collections?

Currently, multi-rail routing is optimized for payouts. Collection (pay-in) support with intelligent routing is planned for Q3 2026.

Next Steps

Fundflow API

Start integrating multi-rail routing

Getting Started

Complete integration guide

Dashboard

Monitor rail performance

Contact Sales

Discuss your use case

Support

Questions about Multi-Rail Routing?

Contact: venlyfinance.com/contact
Documentation: docs.venlyfinance.com
API Status: Check real-time rail availability

​What is Multi-Rail Routing?

Bank Rails

Stablecoin Rails

Local Rails

Automatic Optimization

​The Problem with Single-Rail Systems

​Traditional Wire Transfers (SWIFT)

​Single Payment Processors

​The Cost of Inefficiency

​How Multi-Rail Routing Works

​Supported Payment Rails

​🏦 Bank Rails

​💎 Stablecoin Rails

​🌍 Local Rails

​Routing Optimization Strategies

​Speed-Optimized Routing

​Cost-Optimized Routing

​Balanced Routing

​40+ Supported Corridors

​Major Corridors

​Regional Coverage

​Automatic Failover & Redundancy

​Multi-Rail Redundancy

​Intelligent Retry Logic

​Real-Time Monitoring & Analytics

​Live Dashboard

​Performance Metrics

​Use Cases

​🎮 Gaming & iGaming Payouts

​💼 Cross-Border B2B Payments

​💰 Remittances & Money Transfer

​🏦 Treasury Management

​Integration

​Simple API

​Response

​Webhook Notifications

​Comparison: Multi-Rail vs Single-Rail

​Best Practices

​1. Choose the Right Strategy

​2. Set Appropriate Limits

​3. Monitor Performance

​4. Handle Webhooks

​Security & Compliance

​Regulatory Compliance

​Transaction Monitoring

​Data Security

​Frequently Asked Questions

​Next Steps

Fundflow API

Getting Started

Dashboard

Contact Sales

​Support

What is Multi-Rail Routing?

The Problem with Single-Rail Systems

Traditional Wire Transfers (SWIFT)

Single Payment Processors

The Cost of Inefficiency

How Multi-Rail Routing Works

Supported Payment Rails

🏦 Bank Rails

💎 Stablecoin Rails

🌍 Local Rails

Routing Optimization Strategies

Speed-Optimized Routing

Cost-Optimized Routing

Balanced Routing

40+ Supported Corridors

Major Corridors

Regional Coverage

Automatic Failover & Redundancy

Multi-Rail Redundancy

Intelligent Retry Logic

Real-Time Monitoring & Analytics

Live Dashboard

Performance Metrics

Use Cases

🎮 Gaming & iGaming Payouts

💼 Cross-Border B2B Payments

💰 Remittances & Money Transfer

🏦 Treasury Management

Integration

Simple API

Response

Webhook Notifications

Comparison: Multi-Rail vs Single-Rail

Best Practices

1. Choose the Right Strategy

2. Set Appropriate Limits

3. Monitor Performance

4. Handle Webhooks

Security & Compliance

Regulatory Compliance

Transaction Monitoring

Data Security

Frequently Asked Questions

Next Steps

Support