The problem
An exchange lives on deposits that must succeed and withdrawals that must arrive fast, in dozens of countries, each with its own rails and its own providers that come and go. A provider that worked in one country stops accepting the vertical; a bank changes its rules; a card acquirer raises its decline rate; the integration team rebuilds the same adapter for the third provider in a year. Users judge the exchange by whether the deposit arrived and the withdrawal came back, not by the order book.
What Tranzify gives
- Every local fiat rail in the catalogue through one API: pay-in and payout, with the same statuses and webhooks.
- Cascading across providers of the same method, and across methods the routing allows: a declined card becomes a bank transfer on the same page.
- Stablecoin rails next to fiat for settlement with partners, through licensed or registered crypto providers.
- Limits per terminal and per merchant, a rolling reserve, and the journal of every attempt for five years.
- A back office where the operations team sees the trace of every deposit and withdrawal, resends a webhook and reprocesses a late callback.
- Routing by country that keeps a method off the checkout where your licence does not cover it.
The rails by region
| Region | Deposits | Withdrawals |
|---|---|---|
| Latin America | PIX, SPEI, PSE, bank transfers, cards | PIX keys, bank transfers |
| Europe | SEPA Instant, Open Banking, Faster Payments, cards | SEPA Instant, Faster Payments |
| Turkey and the Gulf | Havale/EFT, local wallets, cards | Havale/EFT, wallets |
| South and Southeast Asia | UPI, IMPS, virtual accounts, QRIS, PromptPay, wallets | UPI, IMPS, bank transfers, wallets |
| CIS | Kaspi, Payme, cards | Kaspi, Payme, cards |
| Africa | M-Pesa, MTN MoMo, bank transfers | M-Pesa, MTN MoMo, bank transfers |
The countries pages list each market’s methods with their share and the providers in the catalogue; the status of every integration is available or on request.
What stays yours
Your licences and registrations, KYC and AML of users, custody, and the contracts with payment and crypto providers. Tranzify is the software between them: it routes, cascades, records and reports, and holds neither fiat nor crypto. The agreement documents the split, and the platform can run in your own cloud account.
Compliance that the journal supports
Every deposit and withdrawal keeps its full chain for five years: the request, the routing decision, each provider attempt with the raw answer, the callbacks, the webhooks sent to your systems, and any manual change with the operator’s name and reason. A regulator’s or a bank partner’s question about a transaction is answered from the trace, and the reports export the period by provider, country and method. The platform’s own compliance scope, from PCI DSS requirements to the secrets store, is described on the security page.
How an exchange starts
The markets with the most deposits first: the local providers from the catalogue under your accounts, routing by country and amount, a cascade from cards to bank transfers, payouts on the instant rails of the same markets. Then the stablecoin provider for settlement, and the next markets as rules and accounts rather than code.