Cross-Border Settlement
Sell Globally. Settle Locally. Lose Nothing in Between
AI-optimized cross-border settlements. The right corridor, the right time, the right rate. Save up to 40% on international settlement costs
❌ The Problem
Turkish merchant sells to Saudi customer. Traditional: SAR → USD → TRY (double conversion, 3%+ fees, T+7 settlement)
✅ SeferPay Cross-Border
SAR → TRY direct corridor (0.8% fee, T+2 settlement)
🤖 AI optimizes
›Which corridor to use (direct vs via USD)
›When to convert (time-of-day rate optimization)
›Which settlement batch to include (volume discounts)
›Whether to hold or convert (FX trend prediction)
Settlement Flow
👤
Customer
375 SAR
→
🔀
SeferPay Routing
→
🏦
Provider
→
⚙️
Settlement Engine
→
🤖
AI FX Optimizer
8.42
→
🏪
Merchant
₺1,488
Multi-Currency Settlement
Pending Settlements
SAR → TRY$45,200● converting at optimal rate
AED → TRY$12,800● scheduled for tomorrow AM
USD → TRY$8,400● holding — rate improving
EUR → TRY$3,200● ready for conversion
This month
$234,000
Total settled
$1,872 (0.8% avg)
FX fees paid
$5,148
FX fees saved
SAR→TRY @ 8.42
Best conversion
Settlement Optimization
🛤️
Corridor Optimization
AI finds the cheapest path between any two currencies. Direct corridors avoid double conversion and save 40%+
⏱️
Timing AI
FX rates move throughout the day. AI converts at the optimal window and batches settlements for volume discounts
💹
Rate Lock
Lock a favorable rate for up to 24 hours. Perfect for large or predictable settlement volumes
🔁
Netting
Offset incoming and outgoing flows in the same currency. Only the net amount is converted — fewer conversions, lower fees