Bank partnership model

US aggregator + licensed facilitator + India payout bank.

PayTo is structured to be straightforward for regulated counterparties. The customer experience is ours. The regulated movement of funds is handled by the right licensed or bank partner at each layer.

1

US onboarding

Customer onboarding, KYC/AML, payment acceptance, and custody are handled through a US sponsor-bank / aggregator stack.

2

Cross-border movement

A licensed facilitator handles FX, regulated movement of funds, and settlement routing into the corridor.

3

India payout

A regulated India-side bank receives payout instructions, posts INR credits, and manages local settlement and returns.

4

Reconciliation

Unique references, daily reconciliation files, and exception workflows keep finance, ops, and compliance aligned.

What we need from a US sponsor bank / aggregator

  • FBO / safeguarded account support
  • AML/KYC and sanctions framework alignment
  • ACH / debit rails and funding controls
  • Policy coordination for personal remittance use cases

What we need from an India last-mile bank

  • INR account-credit capability
  • API or secure batch integration
  • Settlement and reconciliation outputs
  • Exception handling and payout-screening workflow
Controls and readiness

Approval-oriented, not just integration-oriented.

The operating package behind PayTo includes a compliance-grade bank deck, technical integration document, due diligence materials, an AML playbook, fraud scenarios, and a security policy.

Compliance stack

Risk tiers, sanctions checks, alerting, manual review paths, and traceable operational ownership.

Technical stack

API-first integration, deterministic reconciliation IDs, exception handling, and secure data exchange.

Business stack

Institutional payments experience, disciplined corridor framing, and a practical pilot roadmap.

The right bank conversation is about controls, settlement, and partner fit — not consumer-app hype.

That is the standard this site now reflects.