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Getting StartedProduct GuidesAPI ReferenceFAQ'sRecipes
Getting StartedProduct GuidesAPI ReferenceFAQ'sRecipes
  1. Transformer - Cross Border Transfer
  • Transformer - Cross Border Transfer
    • Overview
    • Customers & Identity
      • Entities/Customers
      • About KYC/KYB
      • RFI Scenarios for Customers
      • Identity Rejection Reasons
    • Accounts & Wallets
      • External Accounts(To be deprecated soon)
      • Fetch Requirements for External Accounts V2
      • External Accounts V2
      • Funding Accounts
      • About Plaid Integration
    • Transfers
      • Transfer in Action
      • Addition transfer requirements
      • Counterparty Risk details
      • Limits and Minimums
      • Fee details
    • Miscellaneous
      • Bank Codes
      • Supported chains and currencies
      • Partner payments signature generation
      • Reserves requirements
      • Partner Payments
      • Status updates - Webhooks
  • Transporter - Automated Liquidity Manager
    • Overview
    • Visibility Protocol
    • Instant credit process - How it works
  • Teleport - Pay-In Accounts
    • Overview
    • About Teleport routes
  • Warp - Pay-Outs
    • Overview
  • Continuum - Wallet Infrastructure
    • Overview
    • Authentication
    • Continuum APIs
    • Transactions on Continuum
    • Details on generating signatures
  • Orbit - Yield on real-world transactions
    • Overview
  1. Transformer - Cross Border Transfer

Overview

Transformers enables you to move money instantly with embedded liquidity. It provides instant settlement rails for remitters, PSPs and neo-banks — no pre-funding, one API.
No pre-funding — capital stays where it belongs.
Instant settlement — move funds in seconds across corridors.
One Global API — single integration for multi-corridor coverage.

Typical Use - Cases#

OTC/Trading desks
Faster settlement, less counterparty risk
Neo banks
Enable instant customer receipts across currencies
PSPs
Expand corridors without treasury burden
Remittance providers
Turn multi-day settlements to instant transfers

How it Works#

Sender → Authorization → Liquidity Match → Settlement → Reconciliation
Integrate — Tech integration with Transformer Endpoints
Initiate — send payout instruction with payout currency & beneficiary
Settle — Transformer uses embedded liquidity to settle instantly

Product flow setup#

A Partner is a registered business entity that leverages Transformer as its settlement rails for their end users. In practice, a Partner integrates with Transformer APIs to enables it end users to perform asset transformation.
The flow look like below:
Throughout the docs, we will use the reference of Partner to communicate various action items that you need to perform in order to provide a seamless experience to your users.
To register as a Partner please reach out to support or fill up the demo form on our website.
📌
Please visit www.zynklabs.xyz/demo in case you are interested in a demo from us.

Jurisdictions w.r.t. Transformers#

Throughout the docs you will also come across reference to jurisdictions multiple times. Jurisdictions means a corridor in which Partners end user want to perform asset transformation. Users can do:
FIAT to FIAT
Example: USD jurisdiction to AED jurisdiction
FIAT to Stablecoin
Example: USD jurisdiction to USDC SOLANA jurisdiction
Stablecoin to FIAT
Example: USDC SOLANA jurisdiction to USD jurisdiction
Since Transformer works globally with single set of APIs, hence the product is built by dynamically adjusting for jurisdictions wherever applicable.
Please pay close attention to jurisdiction specific requirements in APIs especially when adding accounts or performing KYC/KYB for your users/customers.
Our current coverage of jurisdictions and supported currencies is here
Modified at 2025-10-23 16:07:38
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Entities/Customers
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