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INSTITUTIONAL SETTLEMENT & REMITTANCE NETWORK

Borderless settlement Built for institutions

Real-time cross-border settlement with local stablecoins

Talk to SalesHow ISN Works
  • MSB (US) · MPI (SG) in preparation
  • Thailand JV in operation
  • Joint patent with K Bank
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TRUSTED PARTNERS

Anchor Partners

WHY NOW

Shifts in remittance are converging right now

Market growth, customer migration, stablecoin adoption and regulatory clarity are all happening at once

  1. 2024 → 2032

    The market is growing

    $320T

    Total cross-border payments: $194.6T (2024) → $320T (2032F)1

  2. 65%
    • Non-bank rails
    • Banks

    2024

    Customers are leaving banks

    Up to 65%

    Share of international P2P transfer value captured by non-bank providers (regional high)2

  3. $

    2025

    Stablecoins are spreading

    $28~33T

    2025 annual transaction volume (range across estimates), +72% YoY per Artemis3

  4. NOW

    Enacted Jul 2025 · Effective Jan 18, 2027

    Regulation has opened

    GENIUS Act

    Federal framework for payment stablecoins in the US4

  1. 1J.P. Morgan, 2025 Cross-Border Payments Trends for Financial Institutions (cited estimate)
  2. 2McKinsey & Company, How banks can win back lower-value cross-border payments business (Apr 2025) — 2024, regional high
  3. 3BIS Annual Economic Report 2026 ($28T) · Artemis Analytics via Bloomberg (Jan 2026, $33T, +72%)
  4. 4OCC Bulletin 2026-50 (Oct 21, 2026) — enacted Jul 18, 2025; effective Jan 18, 2027

THE OPPORTUNITY

A $372B cross-border payments market, 46.3% of it in Asia

Just 0.15% of the Asian market means ≈ $250M in annual revenue within five years6

Download full market analysis

  • TAM · Global

    $372B5

    Annual cross-border payments market size

  • SAM · Asia

    $172B5

    46.3% of the world · growing 8.7% a year

  • SOM · 5-year target

    $250M

    0.15% of SAM

  1. 5Fortune Business Insights, Cross Border Payment Market — 2025 global USD 371.59B, Asia Pacific USD 172.12B (46.3%), APAC CAGR 8.7%. Private market research estimate
  2. 6Internal company target; not a market estimate and not guaranteed

THE PROBLEM

The correspondent banking system remains slow · costly · opaque

Funds pass through multiple banks, adding delays, costs, and complexity

Download Market Report
  • Looking up at glass bank towers
    01

    ≈ $250B

    36%

    HIGH TRANSACTION COSTS

    Bank Fees · FX Margins

    Multiple intermediary fees and FX margins accumulate across each transfer

  • A bank vault stacked with cash
    02

    ≈ $410B

    59%

    TRAPPED LIQUIDITY IN NOSTRO

    Nostro Liquidity Trap

    Pre-funded capital remains locked across the global banking network

  • Congested city highway interchange
    03

    ≈ $35B

    5%

    SETTLEMENT DELAYS AND FAILURES

    Float · Failed Settlements

    Settlement delays and reprocessing costs create additional losses

HOW ISN WORKS

No pre-funding. Connect by message, settle by netting

ECONIER adds a neutral settlement layer on top of the existing financial system, connecting banks and payout institutions by message and settling efficiently through netting

  1. 01OFISending institution
  2. 02Quote matchingBest route & FX match
  3. 03Vault lockupCollateral locked in vault
  4. 04BFI payoutInstant local payout
  5. 05NettingTransactions netted
  6. 06USD settlementOnly the difference, in USD

IN DETAIL

Three steps for customers, six in the backend

ECONIER handles the complex process Financial institutions complete transfers safely and quickly in just three steps

  1. 01

    Lock collateral

    The sending bank locks stablecoins equal to the transfer amount in a smart contract vault

    • Real-time lock-up
    • Smart contract based
    • Funds kept secure

  2. 02

    Pay out locally

    The receiving bank verifies the lock-up on-chain and pays the recipient instantly in local currency

    • Real-time payout
    • Received in local currency
    • Works with existing rails

  3. 03

    Settle only the difference

    At set intervals, transactions are netted and only the difference is settled in USD stablecoins

    • Multilateral netting
    • Lower cost by settling the difference
    • Transparent on-chain records

PLATFORM

One infrastructure, four layers

A unified infrastructure for faster, safer, and more transparent global payments

Explore the platform
Four stacked glass layers: remittance, settlement, compliance, and data

  • Remittance Layer

    Quote matching · Collateral vault deployment · Messaging standard

  • Settlement Layer

    Netting · Multisig vault release · USD settlement

  • Compliance Layer

    KYT · Sanctions screening · Regulatory reporting

  • Data · Oracle

    Oracles for FX rates, peg, and reserve monitoring

THE NETWORK

Starting in 3 countries, becoming Asia's standard

We partner with leading banks, payment providers and stablecoin issuers to build a more inclusive financial future across Asia and beyond

HKSGUAEKRJPTH
ActiveKRTHJPIn preparationSGHKUAE
Signed institutions
12
Monthly transaction pool
2.75M
Annual processing volume
$239B

A 22% share within our 12 signed partners means ≈ $7M in annual revenue by 2028

Target number of partners

  1. By 2028
  2. 2029–2030
  3. 2031+
  4. 25
  5. 150
  6. 500
View All Partners

BUSINESS MODEL

Every transaction leaves ≈ $0.71 of margin

Per-transaction margin multiplies directly with the number of banks, corridors and volume

Unit economics · per transaction

$0.71

Contribution margin

Revenue
$1.00
Cost
−$0.29

70%

Margin

Growth formula

Banks × Corridors × Volume
= Recurring revenue

  1. 01

    More banks

    A bank's entire remittance traffic runs through the network

  2. 02

    More corridors

    Routes multiply as corridors are added

  3. 03

    More volume

    Transactions build up in every corridor

  4. 04

    Compounding fees

    Contribution margin accrues with every transaction

TRUST & COMPLIANCE

In step with regulation — removing only the old inefficiencies

  • A safe-deposit drawer pulled open from a wall of locked boxes

    Segregated custody

    Client funds held bankruptcy-remote with a qualified custodian

  • Two of three keys connected to approve a signed document (multisig)

    Multisig vaults

    Collateral never moves without both parties' signatures

  • A screening checklist with document, identity, security, and list checks all passed

    KYT · Sanctions screening

    Real-time on-chain monitoring and reporting

  • A document stamped LICENSE in front of regulation and compliance binders

    Licensing roadmap

    MSB (US) · MPI (SG) · BOT Sandbox

INSIGHTS

Research & Insights

  • Three stablecoins standing side by side

    RESEARCH · 2026.09

    The next chapter of cross-border payments

    How stablecoins are reshaping settlement

  • A financial network logo on a glass building facade

    INSIGHT · 2026.09

    Keep the message, rethink the settlement

    What local stablecoins do on top of existing rails

  • A glowing digital chain linked among keywords like compliance, trust, and transparency

    REPORT · 2026.08

    Infrastructure strategy for a multi-currency era

    Designing compliance and security for faster, more transparent finance

LET'S BUILD TOGETHER

Open your bank's next corridor

We respond to inquiries within 2 business days

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