Risk level: High risk

Payment orchestration for crypto exchanges and on/off-ramp

An exchange needs fiat to arrive in minutes and leave the same day, in markets where cards are mostly closed to it. Orchestration gives the exchange's PSP bank rails per country — Open Banking in the UK and EU, PIX in Brazil, SPEI in Mexico, Havale in Türkiye, virtual accounts in Indonesia — plus USDT on-chain, cascades a failed deposit across providers, applies limits and a rolling reserve, and journals every movement for compliance.

What goes wrong without orchestration

One provider pauses crypto deposits in a market, and the exchange’s volume there stops until a second integration is built.
Withdrawals wait for a manual batch because each bank rail is integrated separately and nobody trusts the status it returns.
Compliance asks for a deposit’s full history — request, provider, bank reference, callbacks — and it is in three systems.

What orchestration changes

Routing of each deposit by country, currency and amount to the provider that completes it; cascading of a failed deposit to the next provider of the same rail; payouts over the fastest rail per country; limits per account and per day, and a rolling reserve where the provider requires one; every deposit, payout, callback and retry journaled for five years with a trace for compliance. The exchange’s PSP enables the methods from the catalogue; the licensed provider settles the funds; the acquirers and providers decide which verticals they take.

Methods by market

United Kingdom and EU: Open Banking (UK) both directions, Open Banking (EU, PIS) for deposits.
Brazil and Mexico: PIX and SPEI, instant, both directions.
Türkiye: Havale / EFT, instant bank transfer, both directions.
Indonesia: virtual accounts for deposits. The platform runs under the licensed client’s registration; the licensed local provider performs the intermediation.
On-chain: USDT (Tether) for deposits and payouts.

Typical methods

OP Open Banking (UK) Open Banking · 1 countries Available OP Open Banking (EU, PIS) Open Banking · 6 countries Available PI PIX Bank transfers & instant payments · 1 countries Available SP SPEI Bank transfers & instant payments · 1 countries Available HA Havale / EFT (Turkey) Bank transfers & instant payments · 1 countries Available VI Virtual accounts (Indonesia) Bank transfers & instant payments · 1 countries Available US USDT (Tether) Crypto · 7 countries Available

Frequently asked questions

Why bank rails rather than cards?+

Many acquirers do not take crypto merchants, and those that do set limits and reserves. Open Banking, PIX, SPEI and Havale have no chargebacks and settle instantly; which methods an exchange gets is the decision of the licensed providers.

Who holds the licence?+

The exchange holds its own registration where it operates; the fiat side runs under the licensed PSP or provider that contracts it. Tranzify supplies the software; it does not onboard merchants, hold funds or perform KYC.

See the platform on your own flows

Thirty minutes with an engineer, not a sales deck: your providers, your routing rules, your merchants' checkout.

✓ Not a financial institution
✓ Money never passes through us
✓ Built to PCI DSS requirements