Transfer

Transfer is a core BPN capability designed to fix two persistent problems in cross-border, cross-currency settlement: slow settlement cycles and unfavorable FX spreads.
By leveraging stablecoin-backed liquidity and on/off-ramp rails, BPN enables fiat-to-fiat settlement across currencies with near-real-time speed and competitive FX, while keeping compliance and reconciliation simple.

We support two service patterns:

Transfer Contract (Standing Settlement)

Single Transfer (Single Settlement)

Think of this as a settlement contract similar to traditional acquiring, but multi-currency and programmable.

How it works

The merchant creates a Transfer Contract: fromCurrency → toCurrency, payer & beneficiary details, settlement rules (e.g., choose transfer plan, min amounts, fee model).

BPN assigns merchant-specific payment instructions (e.g., dedicated virtual account, QR, or reference code) for the payer currency.

On any business day, the merchant sends funds to the assigned instructions.

BPN executes conversion using stablecoin liquidity, then pays out in the beneficiary currency per the agreement.

The merchant receives webhooks and can query Order Inquiry for reconciliation.

When to use
• Daily/weekly settlement from A currency to B currency with predictable flows.
• Marketplace/operator settlements, payroll batches, or platform treasury sweeps.

Reference Flow

Benefits at a glance

Speed

Near-real-time fiat settlement, T+0/T+1 optional.

FX Efficiency

Stablecoin liquidity routes deliver tighter spreads.

Programmability

Agreements encode rules; one-off transfers keep ad-hoc flows simple.

Operational Clarity

Webhooks + inquiry APIs for traceability and reconciliation.

Benefits at a glance#

Benefits at a glance