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.
Infrastructure and technology providers in the aeda connect operating chain. Scope and availability are confirmed for each partner during scoping.
Our solution
connect once. reach new countries
Software connecting banks, PSPs and fintechs to regulated stablecoin settlement across borders.
Why it is the shorter route
- Faster settlementMinutes, not 2–5 business days. 24/7.
- Up to 80% cheaperThan correspondent banking.
- 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.
- Weekdays onlyBanking hours, cut-offs and holidays.
- Limited transparencyNo status until settled. Manual matching.
- A 1973 modelSWIFT messaging and 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 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 licence, your customer and your pricing are unchanged.
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 without taking on a regulated activity you do not already perform.
Markets in scope
One integration. Every corridor after it is configuration
Armenia to Europe is the first live 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
LiveRetail 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
Coming soonBusiness 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.
Your brand, your pricing, your customer
The transfer starts and ends inside your application. You set the price, you own the relationship, and our name appears nowhere.
Nothing changes about your licence
Every regulated act stays with the licensed institution responsible for it. Your authorisation is unchanged, and no new regulated activity is created.
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.
Evidence and reconciliation come as standard
Transfer status, the evidence behind each state, and a daily reconciliation file for the whole chain — so your teams never have to ask us.
FAQ
straight answers
What a buying committee asks before the first call.
Commercial
Who is aeda connect for?
Banks, payment institutions and licensed fintechs that want to offer their own customers EUR payouts to SEPA-reachable bank accounts, inside their own application and under their own brand.
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).
How fast does a transfer arrive?
Settlement between the licensed providers runs in minutes, 24/7. Payout timing depends on provider checks and the receiving bank, and is confirmed per corridor before launch.
What does integration involve?
One REST API with webhooks, a hosted recipient flow and operations tooling. The engineering estimate is fixed during technical scoping, before any commercial commitment.
Can we use our own interface and price?
Yes on the sender side. The partner keeps its customer experience and sets its retail fee and foreign-exchange margin. Recipient-facing regulated steps follow the European provider’s approved terms and disclosures.
Is every European IBAN supported?
No. SEPA reachability must be confirmed for the specific bank and IBAN. Coverage also depends on destination-country restrictions, payout rail, provider capability and partner approval.
Legal and compliance
Is aeda a regulated financial institution?
No. aeda connect is a software and technology service. aeda is not a bank, payment institution, e-money institution, money remittance provider or crypto-asset service provider, and provides no regulated financial service.
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, and no new regulated activity is created on your side. Your counsel confirms this for your jurisdiction during diligence.
What does the recipient see?
A secure link to verify identity and bank account with the European payout provider and to confirm the payout, on a web page with no app to install. No digital-asset knowledge is needed; the payout arrives in EUR in their own bank account.
What happens if a check fails?
Checks are completed before settlement is funded. A failure before settlement follows your refund process and the relevant provider’s terms.
Who sets the exchange rate?
The origin-market distribution partner quotes the local-currency to EUR rate to its sender and remains responsible for that quote.
Does the partner need blockchain capability?
No. The partner-facing API does not expose wallets, addresses, gas, signatures or private keys.
Further detail is shared in the diligence package after qualification.
Talk to us
Build your cross-border infrastructure
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.