Frequently Asked Questions

Netaro is an API-first cross-border settlement engine. We enable global enterprises, supply chain networks, and financial institutions to move fiat money globally with instant settlement, deep emerging-market liquidity, and embedded regulatory compliance. We completely bypass the SWIFT network, allowing you to settle cross-border B2B invoices in minutes, not days.

The primary benefits include: unlocking trapped working capital by eliminating 3-5 day correspondent banking delays, cutting cross-border transaction costs by 60-90%, and removing the need to pre-fund foreign bank accounts. You get a programmable, natively compliant environment ready for modern automated treasury workflows.

Traditional banking relies on a fragmented network of intermediary banks that trap capital and inflate costs via hidden FX spreads. Netaro replaces this broken chain. We use point-to-point, fiat-backed stablecoin rails purely as a backend clearing layer to settle transactions instantly. You get the speed of modern data networks with the strict compliance and reliability of traditional finance.

We operate strictly on a B2B model. Our primary clients are Global Enterprises, Pharma Cos, Supply Chain networks, and Manufacturers who require reliable, high-volume global settlement. We do not support retail consumer transactions.

Our onboarding is rigorous but efficient, designed to get your treasury team transacting securely within 48 hours. After standard KYB (Know Your Business) and UBO verification, your engineering team is granted immediate access to our sandbox and production APIs.

No. Your treasury never touches digital assets. Netaro utilizes programmable stablecoins (such as USDC) strictly as backend routing infrastructure to achieve instant settlement. You fund a regulated US virtual account in USD, and your global vendors receive local fiat directly into their standard corporate bank accounts. Your accounting and audit trails remain entirely in fiat.

We support major G20 fiat currencies (USD, EUR, GBP) and feature deep last-mile liquidity integrations across emerging markets in APAC, the Middle East, and Latin America. We partner with licensed local financial institutions to guarantee reliable fiat off-ramps directly to local bank accounts.

Because we do not rely on legacy banking batch-processing, the majority of our cross-border transfers achieve true T+0 settlement — often finalizing in under 10 minutes. Furthermore, our infrastructure operates 24/7/365, meaning your supply chain never halts for weekends or bank holidays.

Yes. Netaro allows developers to programmatically spin up secure, multi-currency virtual accounts with cryptographically enforced spending limits. This allows your AI agents to autonomously execute global machine-to-machine (M2M) micro-transactions while operating safely within your strict corporate budgets.

Yes. Our architecture is designed to embed transparently into existing ERP, payroll, and treasury management workflows. We offer a robust suite of RESTful APIs, webhooks, and a web-based dashboard for your finance team.

We operate on an institutional "market + bps" model. We charge a razor-thin, transparent spread on real mid-market FX rates: typically 3–10 bps (0.03%–0.10%) for G20 currencies and 10–40 bps for emerging markets. This is significantly lower than legacy banks, which routinely hide 300–500+ bps in arbitrary markups.

Yes. We provide bespoke pricing programs for enterprises processing over $100M in monthly volume. These include further reduced execution spreads, dedicated liquidity pools for specific emerging market corridors, and waived API subscription fees.

Absolutely. Compliance is our primary operational moat. Netaro is registered with US FinCEN as a Money Services Business (MSB). We facilitate global settlement by partnering exclusively with fully licensed US Sponsor Banks, Tier-1 institutional custodians, and regulated local payout partners.

Our API features embedded compliance modules that automate regional KYC/KYB and perform real-time Anti-Money Laundering (AML) screening. We utilize advanced transaction monitoring to flag anomalies, detect fraud, and prevent any interactions with sanctioned entities.

We mitigate risk by strictly utilizing fully reserved, fiat-backed digital assets audited by top-tier global accounting firms for our backend routing. We ensure that every dollar moving through our system is backed 1:1 by real fiat reserves held in regulated financial institutions.

High-volume clients are assigned a dedicated Relationship Manager and a Compliance Liaison. We provide proactive account monitoring, regular strategic business reviews, and localized expertise to help you navigate complex emerging market payment corridors.

Yes. Because our backend settlement architecture operates 24/7/365 without observing bank holidays or weekend closures, we are able to provide robust Service Level Agreements (SLAs) regarding API uptime and settlement speeds that traditional financial institutions simply cannot match.