Strategy and Solutions

Zymr architected a cloud-native payment gateway platform on AWS with a microservices architecture and containerized deployment. We enabled real-time FX rate fetching, multi-currency support, and automated AML/KYC validation using third-party APIs. The platform featured end-to-end encryption, instant status notifications, and smart transaction routing based on cost, region, and SLA. The system was also integrated with leading payout APIs in Asia, Africa, and Latin America for faster delivery.

About the Client

A global remittance company facilitating money transfers across 60+ countries, serving both B2C and B2B segments. The client aimed to develop a next-gen cross-border payment gateway to reduce transfer costs, enhance real-time tracking, and support diverse payout channels.

Key Outcomes

Enabled compliance with 25+ jurisdictional requirements using modular rule engines.

FX margin optimization increased revenue by 12% per transaction.

Business Challenges

The client’s legacy system was built on outdated middleware that lacked real-time settlement visibility and offered limited currency support. Integration with payout partners was manual, requiring human intervention for KYC, FX conversion, and compliance checks. This delayed transfers and increased error rates. Regulatory complexity across different corridors further added to operational inefficiencies and elevated compliance risk.

Business Impacts / Key Results Achieved

The client reduced transaction latency by 65% and cut operational costs by 40% through automation. Real-time settlement visibility across corridors significantly improved customer satisfaction and agent efficiency. The solution processed over 2M transactions in the first 6 months post-launch.