Tolken provides a single API that connects enterprises and fintech platforms to a global network of banks, PSPs, FX desks, and liquidity providers for cross‑border payments. The platform’s real‑time matching engine selects the optimal provider while running automated KYC/AML checks, enabling off‑network execution with live tracking and immutable audit trails without the need for multiple integrations or pre‑funding.
Funding
Funding not disclosed
Founders
Product
Problem
Businesses that need to send cross‑border payments must integrate separately with each bank, payment service provider, FX desk, or liquidity provider, leading to high integration costs, lengthy onboarding, and fragmented compliance processes.
Solution
Tolken offers a single API that connects a company to the full ecosystem of banks, PSPs, FX desks, and liquidity providers across all global payment corridors. The platform performs real‑time matching and intelligent routing to select the optimal provider for each transaction while running parallel compliance checks, eliminating the need for multiple point‑to‑point integrations. Payments are executed off‑network with live tracking and immutable audit trails, and the service requires no pre‑funding, additional licensing, or one‑off enhanced due diligence. By centralising routing, compliance, and execution, Tolken enables businesses to launch new corridors quickly, reduce costs, and improve payment completion rates.
Target Audience
Primary customers are enterprises and fintech platforms that originate cross‑border payments and require a streamlined, compliant connection to multiple payment rails, as well as payment service providers seeking automated inbound payment routing.
Features
- One‑integration API that provides access to banks, PSPs, FX desks, and liquidity providers worldwide
- Real‑time matching engine that evaluates speed, cost, and risk to select the optimal payment path
- Parallel automated entity assessment and KYC/AML checks for all participants, removing manual due‑diligence steps
- Off‑network payment execution with live status tracking and full, tamper‑proof audit trails
- No pre‑funding or additional licensing requirements for users or providers
- Scalable architecture that adds new corridors and flows without increasing integration debt