Payments & Settlement Layer

Bridging Fiat and
Digital Financial Systems

Institutional-grade payment rails connecting fiat banking, crypto settlement, ATM networks, and on/off-ramp infrastructure — built for scale, compliance, and global reach.

< 30s
Settlement Time
Crypto-to-fiat conversion
Multi-rail
Payment Rails
SWIFT, SEPA, crypto, ATM
150+
Currencies
Fiat & digital assets
ISO 27001
Security Standard
Enterprise-grade encryption

Core Capabilities

A unified payment infrastructure layer that connects every part of the digital asset financial stack.

Real-Time Settlement

Instant payment settlement across crypto and fiat rails with transparent fee structures, full transaction audit trails, and comprehensive reporting dashboards.

On/Off Ramps

Seamless fiat-to-crypto and crypto-to-fiat conversion for institutional and retail clients, integrated with Bankto's ATM network and banking partners.

Multi-Rail Connectivity

Connect across SWIFT, SEPA, Faster Payments, and blockchain settlement rails from a single integration point — no fragmented vendor relationships.

Regulatory Compliance

Built-in AML/KYC screening, transaction monitoring, and regulatory reporting for institutions operating across multiple jurisdictions.

API-First Architecture

Flexible REST and webhook APIs for seamless integration with your existing payment infrastructure, ERP systems, and treasury management platforms.

Treasury Analytics

Real-time visibility into payment flows, settlement positions, liquidity buffers, and fee reconciliation — all in a single institutional dashboard.

Automated Reconciliation

End-to-end automated reconciliation across all payment rails, reducing manual overhead and eliminating settlement discrepancies.

Escrow & Custody

Integrated escrow services for trade settlement, with institutional-grade custody options for digital asset positions held during clearing.

24/7 Operations

Round-the-clock payment operations with dedicated support, SLA-backed uptime, and real-time incident management for enterprise clients.

How It Works

Get from application to live payment operations in four structured steps.

01
Create a Bankto Client Account
Register as an institutional client. Provide your entity details, jurisdiction, and intended payment use case for initial review.
02
Complete Compliance Onboarding
Our compliance team guides you through KYB, AML screening, and any jurisdiction-specific regulatory requirements before activation.
03
Integrate via API
Connect your systems to Bankto's payment APIs. Sandbox environment available for full testing before production go-live.
04
Go Live & Monitor
Activate your payment rails and access real-time settlement, analytics, and support from Bankto's operations team.

Built For

Bankto's payment infrastructure serves a broad range of institutional use cases.

Banks & Financial Institutions

  • Crypto settlement rails
  • Cross-border payment corridors
  • Regulatory reporting integration

Exchanges & Brokerages

  • Fiat on/off ramp infrastructure
  • Multi-currency settlement
  • Automated reconciliation

Corporates & Treasuries

  • Treasury management APIs
  • FX & crypto hedging rails
  • Real-time liquidity monitoring

ATM Operators

  • Cash-in / cash-out settlement
  • Real-time network connectivity
  • Compliance-gated transactions

Fintech & Neobanks

  • Embedded payment APIs
  • White-label settlement stack
  • Scalable infrastructure

Asset Managers

  • Digital asset custody integration
  • Escrow & trade settlement
  • Institutional reporting

Ready to Activate?

Connect your institution to Bankto's payment and settlement infrastructure. Onboarding takes as little as 48 hours for qualified entities.

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