Live on Testnet

PayNet

Micro-transaction aggregation with AI-powered ISO 20022 translation. Converts retail and mobile money flows into netting-eligible institutional obligations for the Settlement Computer.

577K+
obligations processed
2-hour
netting windows (12 cycles/day)
100%
AI translation cache hit rate
305+
obligations/min committed mode

How PayNet Works

PayNet sits between retail payment flows and the Settlement Computer netting engine. It aggregates high-volume, small-value transactions from PSPs and mobile money operators, translates them into ISO 20022 format, and submits them as netting-eligible obligations. This enables retail-scale transaction volumes to benefit from institutional-grade multilateral netting — without requiring PSPs to integrate directly with settlement infrastructure.

PayNet Flow

Mobile Money / PSP Flows

M-Pesa, Airtel, PSPs

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PayNet Aggregation

Batch & threshold logic

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ISO 20022 Translation

AI-powered CBPR+

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Settlement Computer Netting

Multilateral compression

Capabilities

01

Micro-Obligation Aggregation

High-volume, small-value transaction batching into corridor-eligible obligations. Configurable aggregation thresholds per source system and currency pair.

02

AI-Powered ISO 20022 Translation

Claude Haiku 4.5 primary, Sonnet escalation. Converts non-standard payment formats into CBPR+ compliant messages. 100% cache hit rate on recurring patterns.

03

Committed Mode (Pedersen)

All obligations processed with Pedersen commitments and Bulletproofs range proofs. Cryptographic privacy from ingestion through netting. 305+ obligations per minute.

04

2-Hour Netting Windows

12 netting cycles per day. Continuous obligation recording with periodic multilateral compression. Window duration configurable per corridor.

05

Mobile Money Integration

Direct integration with Safaricom Daraja (M-Pesa) and Airtel Money APIs. PSP-agnostic architecture supports any payment source via adapter pattern.

06

Settlement Instruction Generation

Bilateral settlement instructions (SWIFT pacs.008 format) generated from netting results. Per-pair tracking enables institutional reporting and reconciliation.

Integration Architecture

Aggregation Layer
PayNet API (REST + WebSocket)
Translation
AI-powered (Haiku 4.5 / Sonnet escalation)
Privacy
Pedersen commitments + Bulletproofs
Output
ISO 20022 CBPR+ obligations
Settlement
Submits to Settlement Computer netting engine
Reporting
Per-pair bilateral tracking, compression breakdown

Integration guides under NDA

PayNet API reference, aggregation configuration, and mobile money integration guides are available for qualified partners.

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