Payment Infrastructure

Move institutional volume across every rail, through one API.

Rory unifies settlement, treasury, compliance, and risk into a single programmable layer. Connect once and move capital across 40+ payment rails and 180 countries — with the reconciliation, controls, and uptime an institution actually requires.

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Multi-region architecture · End-to-end encryption · Regulated banking partners

Payment · pay_8fKm2xN9Settled

Received & screened

AML · sanctions · risk 0.02

+4ms

Routed — least cost

chose FedNow over SWIFT

+2ms

Settled & posted

immutable ledger reference

+5ms

$2,410,000 → Meridian Ventures11ms total

One integration, every major payment rail

40+

Payment rails

Routed intelligently, per transaction

Settlement currencies

Hold, convert, and disburse

180

Countries reachable

Through local networks, not correspondents

Sub-second

Settlement

On instant rails like FedNow and RTP

01Settlement

One connection. Every rail.

Stop maintaining a separate integration for every bank and network. Rory's routing engine evaluates cost, speed, and counterparty availability on every transaction, then sends it down the optimal path — SWIFT, ACH, SEPA, RTP, FedNow, CHAPS, and more. If a rail degrades, we fail over automatically and reconcile the difference.

Least-cost routing

Per-transaction path selection across 40+ rails, with configurable speed-vs-cost policies.

Automatic failover

Rail health is monitored continuously; degraded networks are bypassed without manual intervention.

Real-time reconciliation

Every movement posts to an immutable ledger with a settlement reference you can trace end to end.

Routing · transaction path selection

02Treasury & Ledger

A ledger that always balances.

Hold, convert, and disburse in 65 currencies from a single multi-currency account structure. Every transaction is double-entry by construction, so your books reconcile in real time instead of at month-end. Execute FX at institutional spot rates, and hedge exposure automatically with forward contracts triggered by your own rules.

Multi-currency accounts

Named sub-ledgers and virtual accounts with programmable allocation rules.

Institutional FX

Sub-pip spreads on G10 pairs with automated hedging and exposure reporting.

Immutable audit trail

Every posting is append-only and cryptographically chained for audit and dispute resolution.

Ledger · double entry

● balanced

AccountDebitCredit

cash:usd:operating2,410,000—

receivable:meridian—2,410,000

cash:eur:operating812,300—

fx:eurusd:realized—812,300

USD

$31.2M

EUR

€14.8M

Treasury · multi-currency positions

03Compliance & Risk

Controls that run at the speed of the API.

AML screening, KYB verification, sanctions checks, and transaction risk scoring are part of the request path — not a separate system you bolt on afterward. Every payment is screened and scored in real time against rule sets you control, with a full, exportable record for audits and disputes.

Embedded screening

Sanctions, PEP, and watchlist screening on every counterparty, refreshed continuously.

Adaptive risk scoring

ML models score every transaction in real time and learn your normal patterns over time.

Audit-ready records

A complete, exportable history of every decision, generated from the same immutable ledger.

Risk pipeline · per-transaction

04How it works

From first call to first settlement in days.

No procurement marathon, no six-month bank integration. Connect to a single, well-documented API and Rory handles the networks, the compliance, and the reconciliation underneath.

Connect once

Authenticate, create an account structure, and pull our SDK. Sandbox mirrors production exactly.

Send a payment

One request. We screen it, route it across the optimal rail, and return a settlement reference.

Reconcile in real time

Every movement posts to an immutable, double-entry ledger you can query or stream over webhooks.

Scale with controls

Roles, approval flows, limits, and audit logs are built in — ready for your auditors on day one.

05Developers

An API your engineers will actually enjoy.

Predictable REST semantics, idempotency on every write, typed SDKs, and webhooks that never silently drop. A single payment object carries its full lifecycle — routing decision, compliance result, settlement reference — so you never reconcile across three systems again.

TypeScript Python Go Ruby Java cURL

Explore the API reference

payment.ts POST /v1/payments

// Create a cross-border payment
const payment = await rory.payments.create({
  amount: 2_410_000,
  currency: "USD",
  destination: "acct_meridian_ventures",
  route: "fastest",        // or "cheapest"
  metadata: { invoice: "INV-4821" }
}, { idempotencyKey: "a1f9c2" })

// → settlement reference returned synchronously
payment.id            // "pay_8fKm2xN9"
payment.rail          // "fednow"
payment.status        // "settled"
payment.latency_ms    // 11
payment.compliance    // { screened: true, risk: 0.02 }

06Security

Security is the product, not a checkbox.

We hold funds with regulated banking partners and reconcile continuously. Data is encrypted in transit and at rest, isolated per tenant, and access-logged down to the field. As we scale we're building toward formal certification — and we'll publish each milestone the day we reach it, rather than claim it before.

Encryption everywhere

TLS in transit and AES-256 at rest. Secrets live in an isolated key-management service, never in code.

Tenant isolation

Your data, balances, and keys are logically separated from every other customer and never commingled.

Regulated partners

Funds are custodied with licensed banking partners and reconciled in real time against our ledger.

Full audit trail

Every action is append-only and access-logged, so there is always a precise record of who did what, when.

07Global Coverage

Local rails, everywhere you operate.

Reach 180 countries through domestic networks rather than slow correspondent chains. Hold and settle in 65 currencies, with payout methods that match how recipients in each market actually get paid.

40+

Payment rails

Settlement currencies

Active regions

SWIFT gpilive

FedNowlive

SEPA Instantlive

ACH / Same-daylive

RTPlive

CHAPSlive

UPI (India)live

PIX (Brazil)live

08Who builds on Rory

Infrastructure for the businesses moving the most money.

Marketplaces

Split payments, hold funds in escrow, and pay out thousands of sellers across borders on a schedule you control — all reconciled to one ledger.

Fintechs & neobanks

Launch accounts, cards, and cross-border payments on regulated rails without becoming a bank — with the compliance layer included rather than outsourced.

Global enterprises

Consolidate fragmented banking relationships into one treasury surface, with real-time visibility into cash positions across every entity and currency.

We replaced four banking integrations and a separate compliance vendor with a single Rory connection. Settlement times dropped by an order of magnitude, and for the first time our books reconcile themselves.

Elena Hart

VP Treasury, Halcyon Markets

09Transaction Lifecycle

Follow a single payment, end to end.

Every transaction takes the same governed route through Rory — screened, scored, routed, and settled — leaving a precise record at each step.

Step 01

Initiated

Your API call reaches Rory with an idempotency key, so nothing ever executes twice.

Step 02

Screened

AML, KYB, and sanctions checks run inside the request path — not after the fact.

Step 03

Scored & routed

The risk engine scores the transaction; least-cost routing selects the optimal rail.

Step 04

Settled

Funds move and a settlement reference is returned to you synchronously.

Step 05

Reconciled

The movement posts to an immutable, double-entry ledger you can query or stream.

Get started

Move money like the infrastructure is yours.

Tell us about your payment volume and use case. A solutions engineer will scope an integration and get you into sandbox within one business day.

No sales call required to get sandbox credentials.