Run cross-border settlement on a public chain, bank to bank, without a correspondent intermediary and FEMA-compliant with AML screening. A small cooperative bank offers direct transfers in a corridor where it has no SWIFT correspondent relationship.
Turn a slow, opaque correspondent chain into direct, compliant bank-to-bank settlement.
01.
Remove the middle bank. The Payments Rails module settles bank to bank on a public chain, so a small bank reaches a corridor without a correspondent relationship.
02.
Move value natively. The Stablecoin Treasury module carries the value leg on-chain, replacing the nostro and vostro accounts a correspondent chain requires.
03.
Keep the fiat experience. The Fiat On-Ramp module converts to and from local currency, so customers send and receive in fiat while settlement is chain-native.
04.
Meet the rules. Each transfer is screened for FEMA and AML compliance before settlement, so a direct corridor stays fully regulated.
05.
Open new routes. A bank can serve corridors it could not access through correspondents, at lower cost and faster speed.
06.
See it end to end. Both banks read the settlement directly, replacing the opacity of an intermediary chain with a shared record.
Follow a single cross-border transfer from a small bank through direct settlement to recipient credit.
10:00:00
[SYS] Cooperative bank initiating transfer...
10:00:01
[CMD] initiate { corridor: "IN_UK", amount: 250000 }
10:00:02
[AUTH] FEMA and AML screen passed...
10:00:02
[OK] Transfer cleared for settlement.
Cerulea decomposes direct cross-border settlement into modular contracts. Each layer screens compliance, converts value, settles bank to bank, and credits without a correspondent in the path.
Correspondent-free settlement is a horizontal capability. Here is how different actors reach new corridors.
Offer direct cross-border transfers in corridors where they hold no correspondent relationship, competing on speed and cost with far larger banks.
Key Asset Types
Send and receive across borders in minutes at low fees through their own bank, without the delay and opacity of a correspondent chain.
Key Asset Types
Rely on FEMA and AML screening built into every direct settlement and an auditable record, so new corridors remain fully compliant.
Key Asset Types
Whether you are bridging a bank's core system or connecting counterparty banks directly, Cerulea routes both into one correspondent-free settlement record.
For banks on legacy core systems. Transfer instructions are translated into signed on-chain direct settlements through the API gateway automatically.
Core Banking System
Bank Platform
Cerulea API Gateway
Settlement Signing
Cerulea Public Chain
Direct Settlement Rail
For receiving banks on institutional nodes. A bank node settles the value leg directly and credits recipients from the shared rail.
Bank Node
Counterparty Bank
Settlement Validators
Direct Consensus
Cerulea Public L1
Cross-Border Ledger
Building a correspondent-free settlement system with compliance screening, value conversion, direct settlement, and recipient credit from scratch requires cross-border payments engineers and long banking integration. Calculate your exact deployment speed using Cerulea.
Traditional Deployment
Solidity Coding & Audits
~ 13 Months
Visual Compilation
WASM Logical Artifacts
~ 4 Weeks
The legacy timeline reflects cross-border banking integration benchmarks. Building compliance screening, value conversion, direct bank-to-bank settlement, and recipient credit for an average corridor takes a baseline of 9 months. Building the same architecture on Cerulea takes a baseline of 2 weeks, because Cerulea Studio visually translates your settlement and compliance rules into pre-audited WebAssembly binaries and provisions the direct settlement rail and credit layer instantly.