International Payments
AI agents that route cross-border payments through optimal corridors, manage FX exposure, and ensure compliance across 180+ countries.
How it works
Theorem's payment agents analyze every cross-border transfer to find the fastest corridor, the lowest fees, and the best FX rate — executing the entire flow in under two seconds.
Compliance checks run in parallel with routing decisions. Sanctions screening, beneficiary verification, and regulatory reporting happen automatically so your payments never stall at the last mile.
Performance
Three pillars
Payments without borders.
A payments infrastructure designed for global treasury teams.
Optimal Corridor Routing
Every payment is analyzed across all available corridors to find the fastest settlement path with the lowest fees. The routing engine considers correspondent banks, local rails, and real-time liquidity to minimize cost and maximize speed.
Real-Time Compliance
Sanctions screening, beneficiary verification, and regulatory checks run in parallel with payment routing. Payments are never delayed by compliance bottlenecks because every check completes before the transfer is initiated.
Automated FX Management
Lock spot rates at the moment of initiation, place forward hedges for recurring payments, and automatically select the optimal conversion strategy. FX agents continuously monitor rates and execute at the best available price.
Agents in action
Your always-on payments team.
Agents that handle corridor routing, compliance screening, and FX management — with complete auditability.
Agents coordinate cross-border transfers
A single payment event triggers corridor routing, compliance screening, and FX hedging agents that work in parallel and resolve autonomously.
Payments that get smarter over time
Every transfer, rate lock, and compliance check feeds back into the model. Your payment operations become more efficient with every cycle.
Encode your payment corridors, beneficiary data, and FX preferences into structured training data.
Fine-tune models on your transfer patterns, currency pairs, and compliance requirements for optimal performance.
Agents execute real payment tasks with full audit trails and human-in-the-loop review controls.
Every payment cycle improves corridor selection, rate optimization, and compliance screening accuracy.
Go global, effortlessly.
See how Theorem routes cross-border payments through optimal corridors with real-time compliance and FX management.