Crosswire Payments
EUR ⇄ USD CORRIDOR · OPEN NOW

Move EUR and USD, both ways, in real time.

Real-time settlement between EU and US - no SWIFT, no correspondent banking, no prefunded floats parked on both sides. One stack, one contact. Indicative, subject to KYC/KYB.

EUR to USD real-time corridorReal-time settlement between a licensed EU banking account and a US settlement account over a tokenized-deposit network, orchestrated by Crosswire.EU accountLicensed EU bankingReal-time networkTokenized depositsUS accountUS settlementReal-time · 24/7No SWIFTNo prefunded floatsOne stackORCHESTRATED BY CROSSWIRE · INDICATIVE, SUBJECT TO KYC/KYB
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Why it matters

The before and after.

Legacy cross-border

  • SWIFT plus correspondent banking, with each hop adding a fee and a delay.
  • One to three business days before value is usable on the other side.
  • Working capital parked in prefunded floats on both sides of the corridor.
  • FX applied late, so the landed amount is uncertain until settlement.

EUR ⇄ USD corridor

  • Value settles in real time over a tokenized-deposit network, around the clock.
  • No correspondent chain, so no intermediary hops to reconcile.
  • Prefunded floats released back into working capital.
  • One stack and one point of contact across both legs.
Who it's for

Two-way EUR and USD flow.

PSPs, marketplaces and operators with treasury on both sides of the Atlantic - collecting in one currency, paying out in the other, and tired of watching capital sit idle to make that work.

PSPs

Settle merchant balances across the Atlantic without holding a float in each region.

Marketplaces

Collect from buyers in one currency and pay sellers in the other, same day.

Operators

Move treasury between EU and US entities in real time, outside banking hours.

How you get set up

You onboard your side. We connect the other.

You only open an account with the provider on your side of the corridor. Crosswire wires the rest over a tokenized-deposit settlement network.

  1. 01
    EU-based, sending EU to US
    You onboard EU banking with a licensed EU banking partner. That is the only account you open. The corridor connects you to the US side in real time.
  2. 02
    US-based, sending US to EU
    You onboard US settlement with a US settlement partner. That is the only account you open. The corridor connects you to the EU side in real time.
  3. 03
    Crosswire orchestrates the corridor
    We wire the two sides together over a tokenized-deposit settlement network and coordinate the commercial terms. Real-time, subject to KYC/KYB.

Tokenized deposits are digital fiat held at licensed institutions. This is not a crypto or stablecoin rail. Real-time settlement is indicative and subject to KYC/KYB.

FAQ

Common questions.

How fast does EUR to USD settlement take on this corridor?
Value settles in real time, around the clock, rather than the one to three business days typical of SWIFT and correspondent banking. Real-time settlement is indicative and subject to KYC/KYB.
Is this crypto or stablecoins?
No. The corridor settles over a tokenized-deposit network, which is digital fiat held at licensed institutions. It is not a crypto or stablecoin rail.
Do I need accounts on both sides of the corridor?
No. You onboard with the provider on your side only. EU-based flow onboards EU banking with a licensed EU banking partner, US-based flow onboards US settlement with a US settlement partner, and Crosswire orchestrates the corridor between them.
Who is this corridor for?
PSPs, marketplaces and operators with two-way EUR and USD flow and treasury on both sides of the Atlantic.

Open your corridor.

Corridors are set up one to one. Thirty minutes with an advisor gets you the shape of it.

Talk to an advisor →See all example stacks