Every transaction is reasoned, not rule-matched.
Most "smart routing" in fintech is a rule table — a static lookup that picks a rail and hopes for the best. Coynitt's Routing Intelligence Engine pairs a deterministic routing layer with an agent that reasons over every transaction, in real time. This is AI-native fintech — not a legacy fintech with a chatbot bolted on.
Every transfer is independently routed through whichever combination of approved rails and local partners delivers fastest and cheapest at that moment. Conditions change minute-to-minute; the routing changes with them.
A transfer doesn't fail just because one partner is slow or one network is congested. The engine splits the work when it makes sense, retries what didn't go through, and converges on full delivery. You see "delivered" — not the orchestration.
As traffic flows through, the routing engine learns each corridor's economics — which partners reliably deliver on their quotes, which over-promise. Day-one fees are competitive; the engine improves with every transfer it routes.
Settlement to a local off-ramp partner is gated by confirmation of receipt at the destination — not a partner's word. The route the engine picks is the route that actually delivered, every time.
FINTRAC obligations, AML/KYC checks, and sanctions screening aren't bolted on at the end. They're constraints the routing engine works within on every decision. The engine never routes around them; it routes through them.
Coynitt is designed so customer funds are not used for lending or operating expenses. Transfers may still be delayed or reviewed when required for fraud prevention, sanctions screening, or AML obligations.
What the engine weighs, per transfer.
The engine runs in our partner sandbox today. How it weighs these inputs stays under the hood.
"The best way to move this money, right now."
Most remittance companies pick a route at integration time and run every transfer down it. When that route slows, fees rise, or a partner has an outage, the customer pays — in time, in money, or in a failed transfer. Coynitt reasons over the route per transaction.
On the engine.
Is this just a rules table with better marketing?
No. A rules table is fixed at integration time. The engine scores each candidate rail on live conditions for the specific transfer in front of it, and explains the choice on the receipt.
Is it running today?
In our partner sandbox, on live corridors, with our own capital. It goes live against customer transfers when our FINTRAC MSB registration is approved.
Will you publish how it reasons?
No. The outcomes are on every receipt — the rail chosen, the fee, the settlement time. How it weighs the inputs is the part competitors would copy.
What happens if a rail fails mid-transfer?
A second and third path are chosen in advance. The engine retries what did not go through and converges on full delivery.