Revolutionize Global Payments with Blockchain
Eliminate Intermediary Banks, Settle Transactions in Seconds, and Drastically Reduce Cross-Border Fees.
Move beyond the slow, costly, and opaque traditional systems. It's time for a new financial rail.
The Problem with Yesterday's Payment Rails
For decades, international payments have been bottlenecked by the correspondent banking system—a complex, slow, and expensive web of intermediaries. This legacy infrastructure leads to high fees, settlement delays of 3-5 days, opaque processes, and significant compliance overhead. Your capital gets trapped, your treasury teams waste hours on reconciliation, and your business loses agility. In today's fast-paced global economy, this system is no longer just inefficient; it's a competitive disadvantage.
Why Partner with Errna for Your Payment Transformation?
We don't just build blockchain applications; we engineer enterprise-grade financial solutions that deliver measurable business outcomes. We combine deep expertise in distributed ledger technology with a pragmatic understanding of financial regulations and legacy system integration.
Institutional-Grade Security
We build security into every layer of the solution, from cryptographic key management and multi-signature wallets to rigorous smart contract audits, ensuring your assets and data are protected against all threats.
Regulatory-First Design
Our solutions are designed with compliance at their core. We integrate robust KYC/AML protocols and create immutable, auditable transaction trails to meet the strictest global financial regulations.
Seamless System Integration
We specialize in creating custom APIs and middleware to ensure your new blockchain payment rail integrates flawlessly with your existing ERP, treasury management, and accounting systems for a unified workflow.
Optimized Blockchain Architecture
We don't believe in one-size-fits-all. We analyze your specific needs to select and implement the right DLT architecture—be it a private chain, consortium model, or Layer-2 solution—for optimal speed, cost, and privacy.
Proven ROI & Cost Reduction
Our primary goal is to deliver tangible financial benefits. We focus on solutions that directly attack the largest cost centers in cross-border payments: intermediary fees, FX spreads, and manual reconciliation efforts.
End-to-End Expert Support
From initial strategy and feasibility studies to development, deployment, and ongoing maintenance, our team of blockchain architects, financial analysts, and security experts supports you at every step.
Our Blockchain Cross-Border Payment Services
We offer a comprehensive suite of services to design, build, and deploy a next-generation payment infrastructure tailored to your unique business needs.
Custom Stablecoin & CBDC Solutions
Develop and deploy your own fiat-pegged stablecoins or explore Central Bank Digital Currency (CBDC) integrations to enable instant, low-cost value transfer within your network.
- Eliminate FX volatility during settlement.
- Enable programmable, automated payments.
- Create a closed-loop payment ecosystem for your partners.
Decentralized Payment Gateway Development
Build a secure, non-custodial payment gateway that allows you to accept and settle payments in various cryptocurrencies and stablecoins directly, without relying on third-party processors.
- Drastically reduce transaction processing fees.
- Gain instant access to settled funds.
- Expand your market reach to a global, crypto-native customer base.
Smart Contract Automation for Trade Finance
Automate complex trade finance workflows like escrow services, letters of credit, and supply chain payments using self-executing smart contracts that trigger payments upon verified events.
- Reduce manual paperwork and administrative overhead.
- Minimize disputes with a transparent, shared source of truth.
- Accelerate the cash conversion cycle for all parties.
Private & Consortium Blockchain Networks
Design and deploy a permissioned blockchain network for you and your trusted partners, ensuring privacy, high performance, and control over network governance and transaction costs.
- Achieve sub-second transaction finality.
- Control who can participate and view transaction data.
- Eliminate unpredictable "gas fees" associated with public networks.
Cross-Chain Interoperability Solutions
Build bridges and implement protocols that allow for the seamless transfer of assets and data between different blockchain networks, preventing vendor lock-in and maximizing liquidity options.
- Access liquidity from multiple blockchain ecosystems.
- Enable flexible payment options for your users.
- Future-proof your infrastructure for an interconnected Web3 world.
Legacy System & API Integration
Our core competency is bridging the old with the new. We develop robust middleware and custom APIs to connect your blockchain payment solution with your core banking, ERP, and accounting systems.
- Ensure a single, unified view of your financial data.
- Automate data entry and reconciliation processes.
- Minimize disruption to your existing operational workflows.
Automated KYC/AML & Compliance Tooling
Integrate on-chain identity solutions and automated transaction monitoring tools to streamline KYC/AML compliance and generate regulatory reports with ease.
- Embed compliance checks directly into the transaction flow.
- Automate monitoring for suspicious activity.
- Simplify audits with an immutable, easily searchable record.
Comprehensive Smart Contract Audits
Our security experts conduct exhaustive audits of your payment smart contracts, identifying potential vulnerabilities, and ensuring your code is secure, efficient, and functions exactly as intended.
- Prevent costly exploits and protect user funds.
- Optimize code for lower transaction costs.
- Build trust with your users and partners through verified security.
Decentralized Identity (DID) Integration
Implement DID solutions to give your users control over their identity data, simplifying onboarding processes while enhancing security and privacy for all participants in your payment network.
- Streamline KYC processes with reusable, verified credentials.
- Reduce the risk of data breaches.
- Enhance user trust and data privacy.
Our Strategic Implementation Process
We follow a structured, four-phase approach to ensure your blockchain payment solution is strategically sound, technically robust, and delivers maximum business value.
Discovery & Strategy
We begin by analyzing your existing payment flows, identifying key pain points, and defining clear business objectives and KPIs for the project.
Architecture & Design
Our experts design the optimal blockchain architecture, create detailed system specifications, and map out the integration points with your current infrastructure.
Agile Development & Testing
We develop the solution in iterative sprints, conducting rigorous testing—including security audits and performance benchmarking—at every stage to ensure a flawless final product.
Deployment & Support
We manage the full deployment process, provide comprehensive training for your team, and offer ongoing support and maintenance to ensure smooth, continuous operation.
Real-World Impact: Success Stories
See how we've helped businesses like yours transform their global payment operations.
FinTech Remittance Platform: Slashing Fees & Settlement Times
A leading digital remittance provider was struggling to compete with new market entrants. Their reliance on the traditional correspondent banking system resulted in high fees and multi-day settlement times, eroding their margins and frustrating customers.
Key Challenges:
- Average transaction fee of 7%
- 3-5 day settlement period for exotic currency corridors
- Lack of real-time payment tracking for customers
- High operational costs for reconciliation
Our Solution:
We developed a stablecoin-based settlement network on a permissioned blockchain. The solution included a liquidity pool for automated currency conversion and a user-facing portal with real-time tracking.
"Errna didn't just build us a platform; they revolutionized our business model. We've gone from a follower to a market leader in cost and speed. Their understanding of both blockchain and financial compliance was critical to our success."
Global E-commerce Marketplace: Simplifying Supplier Payouts
A large B2B marketplace connecting buyers with suppliers in over 50 countries faced immense complexity in managing payouts. Fluctuating FX rates, high wire transfer fees, and payment delays were constant sources of friction and disputes with their global supplier base.
Key Challenges:
- High costs associated with thousands of monthly international wire transfers
- Difficulty managing FX volatility between order and payout
- Manual, time-consuming payout reconciliation process
- Lack of payment transparency for suppliers
Our Solution:
We implemented a smart contract-based payout system using USDC (a regulated stablecoin). The system allowed for automated, scheduled payouts, provided suppliers with a real-time dashboard, and integrated directly into their accounting software.
"The blockchain payout system from Errna has been a game-changer. Our suppliers are happier, and our finance team has been freed from a mountain of manual work. The transparency it provides has built incredible trust in our platform."
Manufacturing Treasury Optimization: Unlocking Trapped Capital
A multinational manufacturing firm with operations in 15 countries was struggling with inefficient treasury management. Significant capital was constantly tied up in nostro/vostro accounts and in-transit payments, limiting their working capital and ability to react to market opportunities.
Key Challenges:
- Millions in working capital trapped in the settlement process
- Opaque and unpredictable cash flow forecasting
- High hedging costs to mitigate FX risk during settlement delays
- Complex inter-company fund transfers
Our Solution:
We built a private, consortium blockchain for the firm and its key subsidiaries. This created an internal, real-time gross settlement (RTGS) system, allowing for instant, 24/7 inter-company transfers and providing the treasury department with a single, real-time view of all cash positions.
"Working with Errna allowed us to fundamentally rethink our treasury operations. The ability to move funds between our global entities in real-time has given us a level of financial agility we never thought possible. It's a true strategic advantage."
Technology & Tools We Master
We leverage a powerful stack of battle-tested and cutting-edge technologies to build robust, scalable, and secure cross-border payment solutions.
What Our Clients Say
We build more than just software; we build lasting partnerships that drive real results.
"The level of expertise at Errna is unparalleled. They took the time to understand our complex regulatory needs and delivered a solution that was not only innovative but also fully compliant from day one."
"Their integration capabilities are phenomenal. Our new blockchain payment system talks to our ancient ERP like they were built together. The transition was seamless, with zero downtime."
"We saw a tangible ROI within six months. The reduction in wire fees and FX costs alone paid for the project. I'd recommend Errna to any CFO looking to optimize their international financial operations."
Frequently Asked Questions
Have questions? We have answers. Here are some common queries about using blockchain for cross-border payments.
Traditional international payments involve multiple intermediary (correspondent) banks, each taking a fee for their service. Blockchain enables a peer-to-peer transfer of value directly from the sender to the receiver, completely bypassing this chain of intermediaries. This disintermediation is the primary driver of cost savings, reducing the number of "hands" that touch the money and take a cut.
Yes. Blockchain's core design, which uses cryptographic hashing to link blocks of transactions into an immutable chain, makes it incredibly difficult to alter or tamper with. For enterprise applications, we typically use private or consortium blockchains, which add further layers of security through access controls (only permissioned parties can join) and enhanced governance. Combined with smart contract audits and best-in-class security practices, it provides institutional-grade security.
A public blockchain (like Bitcoin or Ethereum) is open for anyone to join and participate. While highly decentralized, they can have issues with speed, cost, and privacy for enterprise use. A private or consortium blockchain is permissioned, meaning only authorized participants can join the network. This allows for much higher transaction speeds, lower and predictable costs, and confidentiality of transaction data, making it the preferred choice for most enterprise cross-border payment solutions.
There are several methods. The most common is using fiat-backed stablecoins (e.g., USDC, EURC), which represent digital dollars or euros on the blockchain. Transactions can be settled in these stablecoins, and conversion happens at the on/off ramps. Another method involves using decentralized exchanges (DEXs) or automated market makers (AMMs) built into the solution, which can provide highly competitive, real-time FX rates with minimal spreads by sourcing liquidity from global pools.
The timeline varies depending on the complexity of the project and the level of integration required. A pilot or proof-of-concept (PoC) can often be developed in 8-12 weeks. A full-scale, production-ready system with deep integration into legacy systems typically takes 6-9 months. Our phased approach ensures we deliver value quickly and build upon it iteratively.
Ready to Redefine Your Global Payments?
Stop letting outdated systems dictate your financial agility. Schedule a complimentary consultation with our blockchain finance experts. We'll analyze your current payment flows, identify key areas for optimization, and provide a clear, actionable roadmap for your transition to a faster, cheaper, and more transparent payment infrastructure.