3–5 Days
Settlement Delay
Businesses wait nearly a week to settle a cross-border invoice or payroll run.
About Netaro
Enterprise-grade settlement infrastructure for global commerce.
Netaro provides the programmable financial plumbing that allows enterprises to move capital globally. We deliver deterministic, sub-60-minute fiat settlement without the capital inefficiencies or opacity of legacy banking.
Our Mission
To replace the inefficiencies of correspondent banking with a single, deterministic settlement primitive.
Global trade deserves financial infrastructure that matches its pace. Our mission is to eliminate the capital inefficiencies, settlement delays, and compliance friction that plague cross-border B2B payments — giving CFOs, treasurers, and operators the certainty and speed they need.
The Problem
Capital inefficiency in global trade
The correspondent banking system (SWIFT) is fundamentally misaligned with modern commerce. Built on 1970s batch-processing architecture, cross-border B2B payments are bottlenecked by intermediary banks, T+3 settlement delays, and opaque FX markups — trapping working capital, straining vendor relations, and burning hundreds of hours on manual ledger reconciliation.
4% – 6.5%
Hidden Fees
Intermediary hops and opaque FX markups eat away at global profit margins on every transaction.
$120B+
Lost Annually
Lost by businesses — especially in emerging markets — to FX slippage and systemic inefficiencies.
S
Sender Bank
•
Intermediary 1
•
Intermediary 2
•
Correspondent
B
Beneficiary Bank
3–5 hopsCapital trappedOpaque fees
Our Solution
Deterministic global settlement
Netaro bypasses legacy correspondent networks. Our proprietary, programmable clearing engine routes capital instantly to high-friction global corridors. When a US enterprise approves an invoice, funds are atomically routed and settled into the vendor’s local fiat account in under 60 minutes — while we handle multi-jurisdictional compliance, liquidity, and real-time FX in the background.
Instant Settlement
Point-to-point rails execute transfers in under 60 minutes, not days.
60–90% Cost Reduction
Real mid-market FX with transparent spreads and zero hidden intermediary fees.
Embedded Compliance
Automated AML, KYB/KYC, and transaction monitoring built natively into the API.
Zero Pre-Funding
Route liquidity dynamically — no capital trapped in dormant foreign accounts.
Enterprise Sender
USD · EUR · GBP
Netaro Router
Compliance · FX · Liquidity
Local Bank Payout
Emerging Markets
Sub-60-min settlementZero correspondent hopsEmbedded complianceReal-time FX
Our Principles
How we build
Trust
Compliance isn’t just a requirement; it’s our foundation. We don’t route around regulation — we build pathways through it. Security is embedded into every line of code.
Velocity
Money should move at the speed of data, and so should we. We bias toward action and ship enterprise-grade infrastructure rapidly — without compromising elegance or reliability.
Collaboration
Complex markets require deep local empathy. We partner closely with banks, regulators, and each other to bridge fragmented payment networks.
Better World
Borderless infrastructure for global inclusion. By democratizing access to stable, instant, low-cost payments, we level the playing field for businesses of every size.
Integrity
Doing the right thing, especially when it’s hard. We hold ourselves to the highest ethical standards and build transparent systems partners can rely on for decades.
First Principles
We don’t iterate on the broken correspondent banking system — we deconstruct global finance to its fundamental truths and engineer settlement infrastructure that is structurally superior.
How We Operate
Core operating principles
The commitments that govern every product decision, partnership, and line of code we ship.
Deterministic Execution
Cross-border trade should operate with mathematical certainty. We guarantee sub-60-minute fiat delivery with zero hidden banking spreads or intermediary fees.
Regulatory Rigor
Compliance is our core product. Our automated compliance system satisfies the strictest US and international central bank mandates before a single dollar moves.
Embedded Operations
Financial software should be invisible. We integrate directly into the ERPs and accounting systems finance teams already use, eliminating manual entry and automating reconciliation.
Future-Proof Infrastructure
We are building the settlement primitive for the next decade of commerce — architected for today’s finance teams and tomorrow’s autonomous, machine-to-machine procurement systems.
Compliance & Trust
Regulatory & institutional trust
Netaro operates at the highest standards of financial compliance and data security.
- Registered with the US Department of the Treasury (FinCEN) as a Money Services Business (MSB).
- Actively acquiring State Money Transmitter Licenses (MTLs) across the United States.
- Pursuing top-tier global regulatory coverage — MAS Major Payment Institution (MPI) in Singapore and VARA in Dubai.
- Backed by Tier-1 US Sponsor Banking relationships.
- Visa Direct Partner.
Global Presence
Borderless reach. Regulated foundations.
Headquartered in Delaware, USA, with offices in San Francisco and GIFT City, India. Netaro is registered with the US FinCEN as a Money Services Business (MSB), is actively acquiring State MTLs across the US, and is pursuing VARA authorization in Dubai to ensure institutional-grade compliance in every market we operate.
HQ
Delaware, USA
Office
San Francisco, USA
Office
GIFT City, India
HQ & OfficesCompliance nodes: APAC & Middle EastFinCEN MSBVisa Direct
Join the next era of global finance.
We are actively looking for world-class engineers, compliance experts, and operators to help build the future of global financial infrastructure.