Identity-led cross-border payments • US → India first

Send money to people, not bank details.

PayTo is building the global identity layer for money: a compliant, bank-partnered platform that turns cross-border transfers into a simple identity-based experience while regulated partners handle custody, licensed movement of funds, and local payout.

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✔ 30+ years payments experience ✔ sponsor-bank / aggregator model ✔ India last-mile bank strategy
PayTo logo
US$118.7B India inward remittances in 2023–24, per RBI.
27.7% United States share of India remittances, the largest source country.
30+ years Payments operating experience across digital billing and payments infrastructure.
Compliance-first Designed around bank partners, licensed facilitators, and clear control ownership.
Sponsor bank
Aggregator / facilitator
India payout bank
Why PayTo

Not another remittance app — an identity layer built on regulated rails.

PayTo sits above the banking and cross-border infrastructure stack. The product experience is identity-led. The operating model is compliance-led. That combination is what makes the business scalable, partnerable, and bank-ready.

Identity-led UX

Users send money to a person, not a routing instruction. That simplifies repeat behavior and creates the foundation for a network product.

Partner-led infrastructure

US onboarding and custody sit with a sponsor-bank / aggregator stack. Cross-border movement sits with licensed facilitators. India-side credit sits with a regulated bank.

Institutional credibility

The team brings 30+ years in payments and was among the early participants working with bill consolidators in the US to present bills online.

Partnership model

Built for banks, aggregators, and licensed cross-border partners.

Our first corridor is US → India. The goal is simple: deliver a premium frontend and orchestration layer while enabling stable, recurring USD-origin flows into India through a clear, regulator-friendly structure.

Layer Primary role What PayTo asks for Why it matters
US sponsor bank / aggregator Onboarding, AML/KYC, custody, ACH / card rails FBO / safeguarded account support, policy alignment, bank sponsorship Bank-grade control over funding and compliance at the source.
Licensed cross-border facilitator FX conversion and international movement of funds API connectivity, quote orchestration, settlement coordination Speeds launch while preserving licensed corridor operations.
India last-mile bank INR payout, settlement, reconciliation, local controls API or batch integration, payout processing, exception handling Creates the local banking endpoint that makes the corridor durable.
Compliance posture

Structured for approval, not just launch.

PayTo is designed as an orchestration and identity layer on top of regulated financial infrastructure. No bypassing custody. No bypassing payout controls. No ambiguous role ownership.

AML playbook

  • Risk tiers based on size, behavior, and beneficiary patterns
  • Velocity and anomaly triggers
  • Manual review and escalation paths

Fraud controls

  • Device and behavior-based checks
  • Mule detection patterns
  • Duplicate and retry protections

Security standards

  • TLS encryption and protected secrets
  • Role-based access controls
  • Audit logs and operational traceability
Bank-ready positioning
PayTo stays at the orchestration layer while regulated partners handle custody, licensed cross-border movement, and domestic payout.

This is the model reflected in our bank deck, technical integration document, due diligence package, and final approval materials.

Proof points

Why the corridor matters.

For bank and partner conversations, the disciplined fact pattern is stronger than hype: India remains the world’s largest remittance recipient, and the US is its largest source country in RBI’s latest survey.

US$118.7B India inward remittances in 2023–24 (RBI survey)
27.7% US share of India remittances in the same survey
US$135B World Bank estimate cited by RBI for India’s inward remittances in 2024
What’s next

From website to pilot corridor.

The current package is built for serious bank and partner conversations: partnership decks, technical integration notes, a due diligence package, and final approval materials. The next step is a joint compliance and technical workshop.

Bank partnership model

See the operating structure, controls, and what we need from US and India banking partners.

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Contact PayTo

For bank, aggregator, facilitator, or investor conversations, contact the team directly.

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