Infrastructure Layer

FX360 Payment Rail

This layer operates as part of Okoora’s embedded FX infrastructure inside your system. It orchestrates global payments and settlements across more than 100 countries and payment networks, fully synchronized with FX execution and the multi-currency Wallet. The FX360 Payment Rail delivers automated, institution-grade outbound and inbound payment flows.

Global leaders run on Okoora infrastructure

Trusted by banks, PSPs, and fintech innovators powering cross-border business.

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TKAmbio

The Problem

Most business systems cannot move money globally or coordinate settlement across currencies. Payment routing, FX posting, and banking connectivity remain fragmented, manual, and error-prone.
Without an embedded payment rail, systems face operational delays, reconciliation gaps, regulatory friction, and inconsistent settlement execution.

How this layer fits inside the unified infrastructure

01. <span>Detect</span>

01. Detect

No FX risk goes unseen. Every exposure surfaced at quote, order, invoice, or payout.

02. <span>Decide</span>

02. Decide

Rules, not people. Policy-driven rates and hedge logic, instantly and without bias.

03. <span>Execute</span>

03. Execute

Real-time conversions, hedges, and payments embedded in banking flows.

04. <span>Reconcile</span>

04. Reconcile

Continuous settlement, unified ledgering, audit-ready reporting.

05. <span>Monetize</span>

05. Monetize

Every client FX flow captured as recurring revenue. No value left on the table.

How It Works

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Receives settlement instructions from the Wallet. 

Receives settlement instructions from the Wallet. 
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Orchestrates outbound and inbound payments across global banking networks. 

Orchestrates outbound and inbound payments across global banking networks. 
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Supports multi-step workflows: FX → Posting → Routing → Settlement. 

Supports multi-step workflows: FX → Posting → Routing → Settlement. 
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Connects to external banks and clearing systems. 

Connects to external banks and clearing systems. 
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Aligns payment timing with FX execution and wallet balances. 

Aligns payment timing with FX execution and wallet balances. 
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Operates continuously inside the client’s workflows. 

Operates continuously inside the client’s workflows. 

Global Payment Capabilities

The FX360 Payment Rail provides global payment connectivity across major international rails:

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    SWIFT 

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    SEPA 

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    Faster Payments 

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    ACH 

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    Local clearing rails across 100+ countries 

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    Real outbound and inbound payments 

Settlement Flows

The Payment Rail enables complete settlement orchestration:

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FX results posted to the Wallet 

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Wallet provides multi-currency balances 

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Payment Rail generates and routes settlement instructions 

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Funds move to external bank accounts or internal sub-accounts 

Payment Routing 

The Payment Rail supports intelligent routing logic: 

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    Outbound payments to global recipients 

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    Incoming payments routed automatically to the correct sub-account 

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    Multi-currency mapping across user and business accounts 

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    Structured routing for supplier payments, customer collections, and
operational flows 

Payment Routing

TRaaS Across the FX Infrastructure

Execution Engine
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FX Posting
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FX Wallet
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Payment Rail
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External Bank Accounts
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Internal Sub-Accounts

Operational Payment Scenarios

The Payment Rail supports complex operational payment needs:

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    Bulk payouts to suppliers or partners 

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    Scheduled and recurring payments 

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    Multi-currency settlements for global commerce 

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    Automated customer collections into Wallet accounts 

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    Internal transfers between master and sub-accounts 

Operational Payment

Outcomes

The execution layer can support advanced FX structures when required by institutional workflows: 

Monetize

Monetize

Supports global payment flows that unlock FX-driven revenue. 

Protect

Protect

Reduces operational risk by synchronizing payments with FX execution and wallet balances. 

Automate

Automate

Removes manual banking workflows and executes multi-currency payments in real time. 

Who This Helps

Digital & Neo Banks

Digital & Neo Banks

Global payment connectivity for inbound and outbound flows. 


Payments Platforms

Payments Platforms

Multi-currency payment execution across 100+ countries

ERP & Accounting Platforms

ERP & Accounting Platforms

Automated settlement events across operational workflows. 


TravelTech Platforms

TravelTech Platforms

Global payouts to suppliers and settlement of bookings. 


Credit & Loan Platforms

Credit & Loan Platforms

Currency-aligned settlement for loan disbursements and repayments. 

See how an institutional FX dealing room can run inside your system.