FinTech Blockchain for Cross-Border Payments
Slash transaction costs by up to 80% and settle international payments in seconds, not days.
We build secure, compliant, and transparent blockchain solutions that eliminate friction and unlock new capital efficiency for your global business.
Trusted by Global Leaders and FinTech Innovators
Escape the Legacy System: The Cross-Border Payments Dilemma
International payments are the lifeblood of the global economy, yet the infrastructure they run on is decades old. It's slow, expensive, and opaque, creating significant operational drag and financial risk for businesses like yours.
Traditional Payments
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High Costs: Multiple intermediary banks each take a cut, leading to fees of 3-7% or more.
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Slow Settlement: Payments take 3-5 business days to clear, trapping working capital in transit.
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Opacity & Risk: Lack of transparency creates uncertainty and high counterparty risk. Failed payments are common.
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Complex Reconciliation: Manual Nostro-Vostro reconciliation is a major operational burden, prone to errors.
Blockchain-Powered Payments
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Drastically Lower Costs: By disintermediating the process, costs can be reduced by up to 80%.
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Near-Instant Settlement: Transactions are settled in seconds or minutes, 24/7/365, freeing up capital.
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Complete Transparency: A shared, immutable ledger provides end-to-end visibility for all parties.
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Automated & Secure: Smart contracts automate compliance and reconciliation, reducing errors and fraud risk.
Why Partner with Errna for Your FinTech Transformation?
We don't just build blockchain technology; we engineer financial certainty. Our deep expertise in both FinTech and enterprise-grade blockchain development ensures your cross-border payment solution is not just innovative, but also secure, compliant, and built for scale.
Enterprise-Grade Security
Your assets and data are paramount. We build on hardened, permissioned blockchains with SOC 2 compliant security protocols, ensuring institutional-grade protection against threats.
Regulatory Compliance First
Navigate the complex world of financial regulations with ease. Our solutions are built with KYC/AML integration and global compliance standards at their core, minimizing your risk.
Seamless API Integration
Our API-first approach ensures your new blockchain payment rail integrates flawlessly with your existing ERP, treasury management, and core banking systems without disruption.
Stablecoin & CBDC Expertise
We eliminate cryptocurrency volatility by building solutions that leverage asset-backed stablecoins or Central Bank Digital Currencies for reliable and predictable value transfer.
Proven CMMI 5 Process
Our CMMI Level 5 certified development process guarantees predictable outcomes, on-time delivery, and the highest quality software, reducing project risk and ensuring success.
Global Delivery, Local Touch
With over 1000+ experts and offices across 5 continents, we have the scale to handle complex international projects while providing the dedicated support you need.
Dedicated Expert Teams
You get a handpicked team of FinTech and blockchain specialists. We don't use freelancers. Our 95% employee retention means consistent, expert delivery for your project.
End-to-End Partnership
From initial strategy and feasibility studies to development, deployment, and 24/7 support, we are your long-term partner in financial innovation.
Focus on Tangible ROI
Our goal is to deliver measurable business value. We focus on solutions that cut costs, improve cash flow, and create a sustainable competitive advantage for your business.
Our Cross-Border Payment Solutions
We offer a comprehensive suite of services to design, build, and deploy a custom blockchain-based payment system tailored to your specific business needs, from enterprise treasury operations to global remittance platforms.
Custom Cross-Border Payment Platform Development
We build bespoke, end-to-end payment platforms on private or consortium blockchains, giving you full control over your financial network. This is the ideal solution for enterprises looking to replace correspondent banking relationships and create a proprietary, efficient value transfer network.
- Build a private network for secure, low-cost transactions between your global subsidiaries.
- Gain complete, real-time visibility into your international cash flow and liquidity positions.
- Set your own rules for governance, fees, and participant access, creating a true competitive moat.
Stablecoin & Digital Currency Integration
Leverage the stability of fiat-backed digital currencies for your payment rails. We help you mint your own stablecoin or integrate leading third-party stablecoins (like USDC, EURC) and prepare for the adoption of Central Bank Digital Currencies (CBDCs).
- Eliminate foreign exchange volatility risk by settling transactions with 1:1 backed stablecoins.
- Enable programmable money, allowing for automated payments and complex financial logic.
- Future-proof your infrastructure to be compatible with emerging CBDC networks.
Automated KYC/AML & Compliance Solutions
Embed regulatory compliance directly into your payment flows. We integrate leading identity verification and transaction monitoring tools to automate KYC/AML checks, reducing manual overhead and ensuring you meet global regulatory requirements.
- Automate sanctions screening and transaction monitoring to prevent illicit activities.
- Create a verifiable, immutable audit trail for every transaction, simplifying regulatory reporting.
- Reduce the cost and complexity of your compliance operations significantly.
Smart Contract Development for Financial Automation
Go beyond simple payments. We develop custom smart contracts to automate complex financial processes like escrow services, trade finance, and supply chain payments, reducing counterparty risk and operational friction.
- Automate payment release upon fulfillment of contractual obligations (e.g., delivery of goods).
- Create self-executing multi-signature wallets for enhanced corporate treasury security.
- Drastically reduce the need for manual intervention and reconciliation in multi-party transactions.
Legacy System & Core Banking Integration
Bridge the gap between traditional finance and blockchain innovation. Our expert integration services connect your blockchain payment solution to existing systems like SWIFT, SEPA, ERPs, and core banking platforms, ensuring a smooth transition and unified data flow.
- Enhance your current infrastructure with blockchain capabilities without a costly "rip and replace."
- Ensure seamless data synchronization between your on-chain and off-chain systems.
- Provide a familiar user experience for your finance teams while leveraging a modern payment backend.
Our Proven Path to Production
We follow a structured, CMMI Level 5 certified process to move your project from concept to a fully operational, enterprise-grade solution efficiently and predictably.
Discovery & Strategy
We dive deep into your existing payment flows, pain points, and business goals to define a clear strategy and ROI model for your blockchain solution.
Solution Architecture & Design
Our architects design a secure, scalable, and compliant system, selecting the right blockchain protocol and defining the technical specifications and integration points.
Agile Development & Testing
We build your platform in iterative sprints, providing full transparency. Rigorous testing, including smart contract audits, ensures a bug-free and secure deployment.
Deployment & Integration
We manage the full deployment process and seamlessly integrate the solution with your existing systems, ensuring a smooth transition for your teams and customers.
Ongoing Support & Optimization
Our partnership doesn't end at launch. We provide 24/7 support, monitoring, and continuous optimization to ensure your platform operates at peak performance.
Real-World Results: Our FinTech Success Stories
We've helped businesses across industries transform their international payment operations. Explore how we delivered tangible results.
Case Study: Revolutionizing B2B Payments for a Global Marketplace
Industry: E-commerce & Logistics
Client Overview: A leading B2B marketplace connecting manufacturers in Asia with buyers in North America and Europe. They were struggling with high transaction fees, payment delays of up to 7 days, and frequent disputes over payment settlement, which damaged trust between buyers and sellers.
The Problem
The client's reliance on traditional wire transfers and letters of credit was slow and expensive. The lack of transparency led to disputes, and trapped working capital was hindering growth for both the platform and its users.
Key Challenges
- Reduce transaction fees from an average of 5% to below 1%.
- Cut payment settlement times from 5-7 days to under an hour.
- Provide a transparent, auditable trail for every transaction to eliminate disputes.
- Integrate with existing inventory and logistics management systems.
Our Solution
We developed a private consortium blockchain platform with an integrated stablecoin (USDC) payment rail. Smart contracts were created to act as a decentralized escrow service.
- Built a permissioned blockchain network for all platform participants.
- Integrated Circle's APIs for seamless USDC minting and redemption.
- Developed smart contracts that automatically release payments to sellers upon verified proof-of-delivery from their logistics partners.
- Provided a real-time dashboard for all parties to track payment status and logistics milestones.
Case Study: Powering a Low-Cost Remittance Corridor
Industry: FinTech (Remittance)
Client Overview: A FinTech startup aiming to disrupt the high-fee remittance market between the USA and Latin America. They needed a technology backbone that was fast, cheap, and reliable to compete with established players.
The Problem
The client's target market was being exploited by legacy remittance services charging exorbitant fees. They needed a way to move money across borders with minimal cost and maximum speed to pass the savings on to their customers.
Key Challenges
- Achieve near-instant cross-border settlement.
- Minimize FX conversion costs and intermediary fees.
- Ensure full compliance with KYC/AML regulations in multiple jurisdictions.
- Build a scalable platform to handle thousands of daily transactions.
Our Solution
We built a solution using a public, high-speed blockchain (like Stellar or Ripple) for settlement, combined with a network of trusted on/off-ramp partners in each country.
- Developed a mobile application with integrated KYC onboarding.
- Used stablecoins as a bridge asset to facilitate rapid, low-cost value transfer on the blockchain.
- Integrated with local payment networks in Latin America for instant fiat payout.
- Implemented a robust transaction monitoring system for AML compliance.
Case Study: Optimizing Corporate Treasury for a Fortune 500
Industry: Manufacturing
Client Overview: A multinational manufacturing company with operations in over 30 countries. Their corporate treasury department was spending millions annually on inter-company fund transfers and managing FX risk across multiple currencies.
The Problem
The client was losing significant money to banking fees and FX spreads on thousands of monthly cross-border payments between its own subsidiaries. The process was slow and required a large team for manual reconciliation.
Key Challenges
- Reduce inter-company transaction fees and FX costs.
- Improve working capital efficiency by accelerating fund transfers.
- Automate the multilateral netting and reconciliation process.
- Provide a single, transparent view of global cash positions.
Our Solution
We implemented a permissioned blockchain solution that functioned as an internal, real-time gross settlement (RTGS) system for the company.
- Created a tokenized version of major fiat currencies (e.g., USD, EUR) for internal use on the private blockchain.
- Developed a smart contract-based multilateral netting engine that automatically calculated and settled net positions at the end of each day.
- Built a treasury dashboard providing a real-time, consolidated view of all inter-company balances.
- Integrated the platform with their existing SAP ERP system for seamless accounting.
Technology & Platforms We Master
We use a curated stack of battle-tested blockchain protocols, financial APIs, and enterprise technologies to build robust and scalable cross-border payment solutions.
What Our Clients Say
Our success is measured by the success of our clients. Here's what they have to say about our partnership.
"The efficiency gains are undeniable. We've cut our international payment processing time from four days to four minutes. Errna's blockchain solution has fundamentally improved our cash flow and operational agility."
"As a FinTech startup, we needed a partner who was as agile and innovative as we are. Errna delivered a robust, scalable, and compliant remittance platform ahead of schedule, allowing us to capture significant market share."
"The level of transparency their solution provides is incredible. For the first time, we have a single source of truth for our global treasury operations. The reduction in reconciliation work alone has delivered a massive ROI."
"Their expertise in both financial regulations and blockchain technology is unparalleled. They guided us through the complexities of multi-jurisdictional compliance, ensuring our platform was secure and market-ready."
"The integration with our existing SAP system was seamless. The Errna team worked as a true extension of our own, demonstrating deep technical skill and a commitment to our business outcomes. Highly recommended."
"We evaluated several vendors, but Errna's focus on tangible business results stood out. They weren't just selling technology; they were selling a solution to our biggest financial challenges. They delivered on every promise."
Flexible Engagement Models for Your Needs
We offer flexible engagement models designed to provide the right level of support and expertise for your project, from strategic consulting to full-scale development and support.
Dedicated Development Team
A handpicked team of our FinTech and blockchain experts works as a seamless extension of your in-house team, giving you full control over the project roadmap and priorities.
- Ideal for long-term projects and complex builds.
- Maximum flexibility and control.
- Deep integration with your company culture.
Project-Based (Fixed Price)
For projects with well-defined scopes and requirements, we offer a fixed-price model that guarantees delivery of the final product on a specific timeline and budget.
- Predictable budget and timeline.
- Clearly defined deliverables and milestones.
- Perfect for MVPs and specific feature builds.
Consulting & Support
Leverage our strategic expertise for feasibility studies, architectural design, security audits, or ongoing maintenance and support for your existing blockchain infrastructure.
- Access to world-class expertise on demand.
- Strategic guidance to de-risk your project.
- 24/7 support to ensure operational excellence.
Frequently Asked Questions
Clear answers to common questions about implementing blockchain for cross-border payments.
Yes, extremely. We primarily use private, permissioned blockchains like Hyperledger Fabric, which offer enterprise-grade security and access controls. Unlike public blockchains, you control who can participate in the network. All transactions are cryptographically secured and recorded on an immutable ledger, making them virtually tamper-proof and far more secure than traditional systems prone to fraud and data breaches.
We mitigate FX risk by using fiat-backed stablecoins (e.g., USDC, EURC) or tokenized fiat on the ledger. This means the value transferred is always pegged 1:1 to a real-world currency, eliminating the volatility associated with cryptocurrencies like Bitcoin. The blockchain acts as a payment rail for this stable value, and FX conversion happens seamlessly at the on-ramp/off-ramp stage, often at much better rates than traditional banks offer.
Timelines vary based on complexity, but a typical project follows this path: A Proof of Concept (PoC) can be developed in 4-6 weeks to validate the core functionality. A Minimum Viable Product (MVP) for a specific payment corridor can be launched in 3-4 months. A full-scale, multi-currency enterprise platform with complex integrations can take 6-9 months. Our agile, CMMI 5 process ensures we deliver value at every stage.
Seamless integration is a core part of our offering. We build robust APIs that connect the blockchain ledger to your existing systems (e.g., SAP, Oracle, NetSuite). This allows for automated reconciliation, as transaction data from the blockchain can be pushed directly to your general ledger, eliminating manual data entry and reducing errors.
Not necessarily. For a fully private network (e.g., for inter-company transfers), all participants would be on the blockchain. However, for payments to external partners, we use a hybrid model. The core transfer happens on-chain for speed and cost-efficiency, and then we integrate with traditional payment rails (like local bank transfers) at the destination for the "last mile," providing a seamless experience for the end recipient.
Ready to Redefine Your Global Payments?
Let's talk about how we can cut your costs, accelerate your settlements, and build a more efficient financial future for your business. Schedule a free, no-obligation consultation with our FinTech blockchain experts today.