For Financial Institutions

Open new cross-border corridors without building the rails.

A single API for cross-border P2P with compliance, FX, settlement, and reconciliation built in. Keep your brand and your customer relationships — we handle the plumbing.

SOC 2 Type II·PCI-DSS·Regulated network
Live transfer · ID #TX-9F3A2C
From
$1,250.00
USD · Chase ••4421
To
$24,562.50
MXN · BBVA ••7019
Compliance check
Cleared · 0.4s
FX lock
19.65 MXN/USD
Local rail
SPEI · CLABE 012180…
Settlement
Confirmed · 2.1s end-to-end
The problem we solve

Building corridors in-house takes years. Buying a black-box vendor takes your customer.

STATUS QUO
SWIFT corridors and correspondent banking
Settlement
1–5 business days
Cost
$25–$50 per wire + FX spread
Visibility
Opaque, intermediary-dependent
Build
6–18 months per new corridor
Compliance
Reciprocal agreements, country-by-country
WITH PALLA
One API, 30 corridors, sub-3 second settlement
Settlement
< 30 seconds end-to-end
Cost
Transparent FX, no per-wire surcharges
Visibility
Real-time webhooks + reconciliation
Build
4–6 weeks to first live corridor
Compliance
Run on Palla's compliance stack
How it works

Three steps from sandbox to settled funds in your customer's home country.

STEP 1
Connect via API or hosted SDK
Pick your integration depth. Embed our SDK to ship in days, or wire up the REST API for full control. Sandbox keys in 5 minutes.
POST /v1/transfers
{
  "sender_profile": "tp_8a2f...",
  "recipient": { "country": "MX", ... },
  "amount": { "currency": "USD", "value": 1250 }
}
STEP 2
We handle compliance, FX, and settlement
Sender and recipient onboard via Transfer Profiles under Palla's compliance stack — or your own licenses if you prefer. We lock FX, route via local rails, confirm in seconds.
{
  "id": "tx_9F3A2C",
  "status": "settled",
  "fx_rate": "19.6500",
  "elapsed_ms": 2104,
  "rail": "SPEI"
}
STEP 3
Reconcile and report from one ledger
Real-time webhooks for every state change, daily settlement files, and a single ledger across every corridor. Plug it into your GL, your warehouse, or our dashboard.
webhook: transfer.settled
─ 14:02:41.103  tx_9F3A2C    +$24,562.50 MXN
─ 14:02:41.317  tx_9F3A2D    +   $985.00 COP
─ 14:02:41.419  tx_9F3A2E    +$3,210.00 PEN
What you get

The full stack a regulated FI needs to launch a corridor — minus the eighteen months.

30 corridors, one API
MX, CO, PE, CL, JM, DO, GT, SV, NI, HN, VE, BO, PA, EC and 16 more. New corridors quarterly.
Live · Quarterly cadence
Local rails, not SWIFT
SPEI in MX, PSE in CO, Transfiya, ACH, RTP, plus card pushes via Visa Direct & Mastercard Send.
Sub-3s settlement
FX you can audit
Quote, lock, and settle at a single rate per transfer. No hidden spreads — full FX audit trail per transaction.
Quote-to-settle parity
Profile-based KYC
Tiered onboarding from $500/mo to $50k+/mo limits. KYC + sanctions screening run continuously, not just at signup.
Tier 1 / 2 / 3
Reconciliation that ties out
Single ledger across all corridors. Daily settlement files in your format — CSV, ISO 20022, or direct to GL.
Webhooks + daily files
Embedded or hosted
White-label our prebuilt P2P UI under your brand, or compose with our blocks. iOS, Android, web SDKs included.
SDK · Components · Hosted
Compliance & licensing

Run on Palla's compliance stack, your own, or a hybrid.

We handle compliance on our partners' behalf through our own compliance stack — audited controls plus a network of licensed entities that transmit the funds. Pick the model that fits your charter.

MODE A · FASTEST
Run under Palla's compliance umbrella
Your customers transact under Palla's regulatory perimeter through its network of licensed entities. Fastest path to launch — no incremental licensing on your side.
Best for fintechs, neobanks, and banks expanding into new states or countries
MODE B · HYBRID
Co-licensed corridor by corridor
You hold the license in your home market; Palla handles destination markets. Common for LatAm banks expanding into US disbursement.
Best for banks with strong domestic licensing but no foreign rails
MODE C · BYO
Bring your own licenses
You hold MTLs and MSB registration end-to-end; Palla provides the technology layer. Full economic and regulatory control.
Best for established FIs with mature compliance programs
Audited & certified
SOC 2
Type II, annually
PCI-DSS
Level 1 service provider
ISO 27001
Certified, 2024
Regulated
Network of licensed FIs
GDPR / CCPA
Compliant
Integration paths

Pick how deep you want to integrate. We meet you where you are.

HOSTED
Palla-hosted P2P
2–3 weeks launch·No code
Send your customers to a fully white-labeled, Palla-hosted P2P flow. We handle UI, KYC, FX, and settlement. You get receipts, webhooks, and a daily ledger.
  • Custom domain & branding
  • No mobile build required
  • Best for proof-of-concept and corridor pilots
See the docs
COMPONENTS
Most chosen
Embeddable React / iOS / Android SDK
4–6 weeks launch·Light code
Drop our prebuilt blocks (Payment Links, Transfer Profiles, FX Calculator) directly into your existing app. Your shell, our embedded payment products.
  • Prebuilt P2P payment blocks
  • Themable to your design tokens
  • Works alongside your existing flows
See the docs
FULL API
Headless REST + webhooks
8–12 weeks launch·Full build
Wire up the API end-to-end and own the entire UX. Idempotent, signed, and versioned. Perfect for FIs with mature mobile teams who want pixel-level control.
  • REST + HMAC-signed webhooks
  • Sandbox + production environments
  • Treasury & FX endpoints exposed
See the docs

Ready to move money instantly?

Get a 30-minute partner walkthrough. We'll show you the API, the checkout, and the economics for your corridor.