Payment network
The route matters after you press send.
Your supplier needs funds credited, not just instructed. The network is account setup, partner availability, rail choice, proof, release, and traceability, together.
One payment's routeTRACEABLE
INSTRUCTED09:02 · REF UC-88214
RELEASED09:14 · AFTER REVIEW
ROUTEDFASTER PAYMENTS
CREDITEDCONFIRMED BY BENEFICIARY
IF IT STALLSTRACE · A NAMED OWNER
Published route coverage
These figures describe published route guidance, not a real-time promise that every route is available for every account or payment.
5
Local Business Account markets
11
local rails across those markets
180+
countries reachable by USD SWIFT
30+
published corridor and country guides
How rail choice is handled
LOCAL
Local and regional rails
Where supported, local rails cut out unnecessary correspondent steps. Availability depends on currency, destination, partner, and account setup.
SWIFT
SWIFT and correspondent routes
Some payments still need SWIFT handling. Those routes get clear proof, charging expectations, and trace logic.
PARTNERS
Partner-led provision
Where regulated payment or e-money services are required, service provision sits with the relevant authorised partner. Stated plainly.
Before it leaves
What your team should know about a route.
Every payment we send can answer these seven questions before it moves.
✓Beneficiary details, verified
✓Currency and value date
✓Payment purpose on record
✓The likely rail, named
✓Proof available on that route
✓Expected charges and deductions
✓What happens if the receiving bank does not apply funds
Regulatory context
Unicorn Currencies Ltd acts as a corporate intermediary in the UK. Regulated payment or e-money services are provided by authorised partners where required. Route availability and settlement timing depend on the relevant partner, currency, jurisdiction, beneficiary bank, and compliance review.
Read the compliance structure →