The identity, routing, and interoperability layer for global payments. Not an application — protocol infrastructure: the layer money runs on.
Names (DNS), routing (TCP/IP, BGP), and neutral interconnection (peering) made the internet universal. Money has none at global scale — so Settla supplies the missing three layers.
Resolve who someone is and how they can be paid, from any identifier.
Compute the route that delivers the most landed value across every rail.
Let any network reach any other by name, via licensed movers.
It resolves · routes · orchestrates · observes, and delegates execution to licensed institutions. Not a policy — the architecture and the business model. It keeps Settla outside the money-transmitter perimeter: infrastructure that regulated institutions sit behind, not compete with.
Settla sits where a name is pointed at the best carrier — and never touches the money itself. Crypto is signed by the user's own wallet; fiat, FX and bills are executed by licensed movers.
Any identifier → identity + the endpoints they disclose, with consent-gated, minimal disclosure.
Rank every rail by landed value — FX, fees, speed, reliability — not the sticker fee.
Assemble an instruction; the mover executes under the user's authorization. Settla observes and reconciles.
Twenty-five named subsystems, each with a real home in a protocol-grade codebase. A decomposition of what exists — not a wish-list.
@amina → identity + disclosed NGN endpoint.
never a balancerank rails by landed value, FX-aware.
best routepick a licensed mover for (rail, jurisdiction).
a row, not codeassemble an instruction — a record.
tin_9f3a…executes under authorization.
← funds move herereconcile observed-vs-instructed; emit events.
Settla-SignatureSettla produced a resolved recipient, a best route, and a settled instruction — and never held the money. The identity graph learned one more edge; the treasury proved one more rev-share.
Value payable-by-name grows as identities × endpoints × movers. A competitor starts at zero edges.
A corridor is a mover row + an FX rate. Each partner multiplies payable pairs; the marginal corridor is nearly free.
Ranking by landed value structurally delivers recipients more — the "best execution" mandate, for payments.
Settla is the layer PSPs and banks sit behind, never a competitor. Neutral layers become infrastructure.
Never touching funds avoids transmitter capital + licensing — faster and cheaper in every jurisdiction at once.
One integration replaces N. Users carry portable @handles between apps; movers get routed demand.
Replace N PSP integrations; pay anyone by handle; best-landed-value by default. No custody risk — you don't become a money transmitter to use Settla.
Register your rails; Settla sends the instructions you're best placed to execute. New corridors are a capability, not an integration. You remain the regulated entity.
Best-execution routing, reconciliation and observability across every corridor, from one console.
Non-custodial rails for domestic and cross-border programs, with licensed local execution.
On-chain USDC on mainnet, signed by the user's own wallet — non-custodial and moving real value today.
Every fiat corridor (NG / KE / GH / US / EU) resolves → routes → instructs end-to-end with a real tin_ — gated only on a mover executing under live credentials.
Treasury reconciliation, the identity/registry graph, four access channels (web · PWA · USSD · SMS), the developer dashboard + docs, the SDKs, and the infra/observability stack.
Self-serve Mover Marketplace & Partner Portal · live FX feed · CDN + redundancy · certifications as partners require.
Yellow Card executing → the routed path becomes real money end-to-end.
Edge caching and failover → planet scale for resolution + routing.
Self-serve Partner Portal → the coverage flywheel: corridors as data.
Live quotes + treasury analytics → sharper landed value, provable rev-share.
Stripe/Plaid-grade developer surface → distribution through the ecosystem.
Compliance & security attestations, added exactly when a partner requires them.
settla.xyz · hello@settla.xyz