> ## Documentation Index
> Fetch the complete documentation index at: https://docs.venlyfinance.com/llms.txt
> Use this file to discover all available pages before exploring further.
# Multi-Rail Routing (Coming Soon)
> Intelligent payment routing across SEPA, SWIFT, stablecoins, and local rails for optimal speed
**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.
SEPA, SWIFT, Faster Payments, and more
USDC, USDT, EURC on multiple blockchains
PIX, FPS, CHAPS, ACH, and regional networks
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
You submit a payment request via API
```bash theme={null}
POST /v1/payout
{
"amount": 50000,
"currency": "USD",
"destination": "MX",
"recipient": {
"accountNumber": "123456789",
"bankCode": "BANAMEX"
}
}
```
Venly's routing engine analyzes multiple factors
**Factors 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
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
```
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
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
```javascript theme={null}
// 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:
```bash theme={null}
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
```json theme={null}
{
"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
```json theme={null}
{
"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
```javascript theme={null}
// 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
```javascript theme={null}
// 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
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).
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.
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.
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.
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.
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.
The Fundflow Dashboard provides detailed analytics showing cost savings compared to traditional SWIFT-only operations, broken down by corridor and rail type.
Currently, multi-rail routing is optimized for payouts. Collection (pay-in) support with intelligent routing is planned for Q3 2026.
***
## Next Steps
Start integrating multi-rail routing
Complete integration guide
Monitor rail performance
Discuss your use case
***
## Support
Questions about Multi-Rail Routing?
* **Contact**: [venlyfinance.com/contact](https://venlyfinance.com/contact)
* **Documentation**: [docs.venlyfinance.com](https://docs.venlyfinance.com)
* **API Status**: Check real-time rail availability