Payments — AETHER

Atomic, end to end

Every payment is one transaction. Identity verification, sanctions screening, FX quoting, multi-leg routing and final settlement happen inside a single atomic operation. If any step fails, nothing moves and nothing is owed.

There are no clearing windows, no nostro pre-funding, no settlement risk between counterparties. The rail uses a synchronized PvP/DvP construction over tokenized cash, native CBDCs and regulated stablecoins as the underlying value.

Coverage

Fiat currencies: 47 currencies routable end-to-end through partner liquidity providers. Including all G10 plus major EM corridors.
CBDCs: 9 central bank digital currencies live; 4 additional integrations in pilot. Direct wholesale and tiered retail access where regulators permit.
Stablecoins: Regulated cash-backed stablecoins from licensed issuers (USDC, EURC, XSGD, BRL1, MXNB, and others).
Formats: ISO 20022 native messaging. Adapters for SWIFT MX/MT, SEPA INST, FedNow, RTP, FPS, PIX. Drop-in for existing payment ops.

Inside a payment

PHASE 01

Verify

Sender and beneficiary DIDs are verified. Sanctions, PEP and travel-rule screening run in parallel against current lists.

PHASE 02

Quote & route

FX is quoted against committed liquidity. Optimal path is chosen across the network and locked for the settlement window.

PHASE 03

Settle

All legs commit atomically. Counterparties receive ISO 20022 confirmations and an attestation hash for audit.

USD → SGD, 250,000.00

aether-cli — pay send

$ aether pay send \
    --from did:aether:0x4f1…b29 \
    --to   did:aether:0xa0f…c12 \
    --amount 250000.00 USD \
    --target SGD

→ identity    verify(sender, beneficiary)   OK  [42 ms]
→ compliance  screen(FATF, MiCA, OFAC)      OK  [18 ms]
→ fx          quote(USD→SGD, 250,000)       OK  [6 ms]
→ settle      atomic(NY → SG)               FINAL [312 ms]
→ attest      seal(merkle_root, zk_proof)   OK  [9 ms]

TX 0xa0f…c12 confirmed · T+0 · 387 ms end-to-end

Operational fit

Drop-in next to existing rails. Run AETHER alongside SWIFT or domestic ACH. No big-bang migration required.
No nostro pre-funding. Liquidity is sourced and posted just-in-time against the committed quote.
Reconciliation by construction. Settlement and confirmation are the same event — there is no broken DvP gap to reconcile.
Reversals where they make sense. Disputed retail payments use a signed reversal flow; wholesale payments are final by default.

Move money the way it should move

Sandbox access in minutes. Production credentials in under 48 hours after compliance review.

Request access → API reference

Settle across borders in under 400 ms.