Overview
That Is A Q's international transfer engine connects directly to correspondent banks, local payment rails, and real-time FX liquidity providers. We eliminate hidden fees, reduce settlement times from days to minutes, and provide full audit trails for compliance teams.
Whether you're paying overseas contractors, settling B2B invoices, or supporting customer payouts in emerging markets, our infrastructure scales with your transaction volume while maintaining institutional-grade security.
⚡ Real-Time Settlement
90% of transfers complete in under 2 hours. Same-day clearing available for EUR, GBP, USD, and CHF corridors.
📊 Transparent FX Pricing
Mid-market rates with a fixed markup (0.35%–0.8%). No hidden spreads or dynamic fee structures.
🔒 Regulated & Insured
Licensed by FCA, MAS, and AUSTRAC. Client funds held in segregated accounts with up to £85k SIPC coverage.
🌍 140+ Corridors
Direct routing to bank accounts and digital wallets across APAC, EMEA, LATAM, and North America.
| Region | Currencies | Settlement Time | Status |
|---|---|---|---|
| EMEA | EUR, GBP, CHF, PLN, HUF | Instant – 2 hrs | Live |
| APAC | SGD, AUD, JPY, CNY, THB | 1 – 4 hrs | Live |
| LATAM | BRL, MXN, ARS, COP | 2 – 6 hrs | Live |
| North America | USD, CAD | Instant – 1 hr | Live |
| Africa & ME | ZAR, NGN, EGP, AED | 4 – 12 hrs | Beta |
How It Works
Initiate Transfer via Dashboard or API
Enter beneficiary details, select currency, and review the locked FX rate. Rates hold for 15 minutes.
Compliance & Routing Validation
Automated AML/KYC checks run in milliseconds. Smart routing selects the fastest, lowest-cost path.
Funds Clear & Beneficiary Notified
Local payout rails execute the transfer. SMS/email notifications sent to both sender and recipient.
Reconciliation & Reporting
Download CSV/JSON ledgers, auto-match to accounting software, or push to your ERP via webhooks.
API & Integration
Embed international payments directly into your platform. Our RESTful API and SDKs support Python, Node.js, Ruby, and PHP. Features include idempotency keys, webhook event streams, batch payout processing, and sandbox testing environments.