Can we white-label the user experience?

Yes. The API is designed for white-label deployment. Your platform owns the user interface, brand, and customer relationship. Transwap handles settlement, licences, and compliance obligations.

What compliance responsibilities remain with the platform?

Platforms retain primary responsibility for KYC on their direct users and for monitoring platform-specific fraud. Transwap handles AML/CFT transaction monitoring, sanctions screening, and regulatory reporting. The exact split is documented in the commercial agreement.

FaaS

Embeddable cross-border payment infrastructure.

Embed payments, collections, FX, and multi-currency accounts into your platform through a single API. White-labelled, settled under Transwap's licences in 5 jurisdictions, and deployed in weeks, not quarters.

Request API Documentation

The full Transwap stack,
via API.

Outbound payments, collections, FX execution, and multi-currency balances.
All accessible through a single integration.

Outbound payments

Execute cross-border payments to 180+ countries in 24+ currencies. Batch processing, local clearing rails, and structured settlement, all accessible through the API.

Collections

Provision virtual local account details (IBANs, sort codes, routing numbers) to your end-users. Reconcile inbound flows via webhook.

FX execution

Quote and execute institutional-grade FX across 24+ currency pairs. Rate-lock capability on supported corridors.

Multi-currency balances

Issue and manage multi-currency balances for your end-users across up to 34 currencies. Internal conversions, transfers, and reporting, all API-driven.

Outbound payments

Execute cross-border payments to 180+ countries in 24+ currencies. Batch processing, local clearing rails, and structured settlement, all accessible through the API.

Collections

Provision virtual local account details (IBANs, sort codes, routing numbers) to your end-users. Reconcile inbound flows via webhook.

FX execution

Quote and execute institutional-grade FX across 24+ currency pairs. Rate-lock capability on supported corridors.

Multi-currency balances

Issue and manage multi-currency balances for your end-users across up to 34 currencies. Internal conversions, transfers, and reporting, all API-driven.

Building
cross-border payment
infrastructure from scratch is a multi-year project.

Multi-jurisdictional licensing. Correspondent banking relationships. Compliance frameworks. Settlement engineering.
Most platforms looking to embed cross-border payments discover that the non-technical work outweighs the technical work, by a wide margin.

Explore institutional FX conversion.Explore international collections.Explore multi-currency business accounts.Explore cross-border payments to 180+ countries.View our regulatory licences across 5 jurisdictions.

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Weeks to production.

From scoping to production launch under a structured go-live process.
Most platforms complete core integration in 4 to 8 weeks, depending on scope.

Scope and commercial terms.

Work with our team to define the capabilities in scope, volume projections, target corridors, and commercial terms.

Technical integration.

Integrate against the Transwap API in sandbox. Most platforms complete core integration in 4 to 8 weeks, depending on scope.

Compliance onboarding and launch.

Complete platform-level KYB and compliance onboarding in parallel with integration. Move from sandbox to production under structured go-live.

Operate under Transwap's regulatory footprint.

MAS MPI, FCA EMI, HKCED MSO, Bank Indonesia FTO, and FINTRAC MSB authorisations across five jurisdictions. No separate regulatory application required.

Scope and commercial terms.

Work with our team to define the capabilities in scope, volume projections, target corridors, and commercial terms.

Technical integration.

Integrate against the Transwap API in sandbox. Most platforms complete core integration in 4 to 8 weeks, depending on scope.

Compliance onboarding and launch.

Complete platform-level KYB and compliance onboarding in parallel with integration. Move from sandbox to production under structured go-live.

Operate under Transwap's regulatory footprint.

MAS MPI, FCA EMI, HKCED MSO, Bank Indonesia FTO, and FINTRAC MSB authorisations across five jurisdictions. No separate regulatory application required.

One API.
Our licences.
Your brand.

Transwap Fintech-as-a-Service exposes our full regulated settlement network through a single API integration. Your platform handles the user experience; we handle the licences, the banking relationships, the compliance obligations, and the settlement rails.

White-label ready. Settled under Transwap's licences in 5 jurisdictions.

Request API Documentation

Embed cross-border payments into your platform.

Single API. Five-jurisdiction licensing footprint.
Dedicated relationship management from scoping to go-live.

Effortless transfer with real savings.

TranSwap's platform is easy to use and has helped me save on international transfers for my business! The service is fast and efficient, which is great for busy business owners like me. Definitely recommend!

Benson

Louve LLP

A trusted partner for consistent performance.

Transwap has been a highly reliable partner for my business. Their team is fast, precise, and professional, delivering consistent service and accuracy.

Agnes Ang

Bountiful International LLP

Consistent reliability. you can trust.

TranSwap has always been a reliable solution for my business. I am very satisfied with their speedy service and professional customer care. I highly recommend TranSwap to businesses with regular overseas payments.

Jamie

Balance Studio

Competitive rates, delivered fast.

Given the fast paced business environment that we operate in, we are always pressed for time to find the best price for our transactions. However, we can always trust that TranSwap provides favourable rates for our international transactions. The transfers are completed very quickly after confirmation and their staff are always very helpful and professional.

Ewan

Diverse Media Pte Ltd

I always know my fees upfront

TranSwap's fees are reasonable and transparent, meaning that I see my costs upfront when making international payments for overseas investments. The platform is also easy to use, fast, reliable & efficient.

Philip C

Investor

Fast, reliable, and professional support.

TranSwap staff is fast and efficient in their work.They are professional and polite! I am super satisfied with their speed and efficiency!I would also want to give a shout out to Raymond for his great service and support to my business.He has been very efficient in servicing us.

Ray Wong

TF Engineering & Trading Pte Ltd

Frequently asked questions.

Licensing, integration timeline, API capabilities, fund safeguarding, white-label deployment, and compliance responsibilities.

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Do we need our own payment institution licence to use Transwap FaaS?

No. Platforms operate under Transwap's licences in the applicable jurisdictions. Your commercial structure will be confirmed during scoping to ensure the appropriate regulatory model applies.

How long does it take to go live?

Most platforms complete core integration in 4 to 8 weeks, with compliance onboarding progressing in parallel. Actual timelines depend on scope, corridors, and regulatory requirements in your markets.

Which capabilities are available via the API?

Outbound payments to 180+ countries in 24+ currencies, collections via virtual local account details in 15+ currencies, FX execution across 24+ pairs, and multi-currency balances across up to 34 currencies.

How are end-user funds safeguarded?

End-user funds are held in segregated accounts at tier-1 global banks, fully separated from Transwap's operating capital, under the safeguarding standards of the applicable regulator.

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