Every transaction is reasoned, not rule-matched.

What the agent reasons over

You tap send. Behind the curtain, per transaction, the agent weighs ten variables: the corridor, real-time FX volatility, chain congestion and gas curves, finality time-to-settlement, sanctions exposure, partner SLA state, time-of-day liquidity windows, recipient bank cut-off times, regulatory constraints, and fallback paths if any rail degrades mid-flight. The result is a routing decision tuned to your transaction — not to last quarter's averages, and not to a static config written six months ago.

The customer experience is the one anyone would design: tap, confirm, "delivered." The reasoning is invisible to you on purpose. What's not invisible is the result — settlement measured in seconds, an all-in cost of 2.5–3.5%, and a transfer that doesn't fail just because one rail is congested.

Adaptive corridor routing

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.

Resilient by design

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.

Improves with corridor data

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.

Confirmed before settlement

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.

Compliance is a constraint, not an afterthought

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.

Funds protected end to end

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.

Why this is the difference

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. That's the difference between "this is how we move money" and "this is the best way to move this money, right now." Competitors who bet on a single chain three years ago are stuck; every new chain and rail that comes online becomes another input to the reasoning loop, so the engine's advantage widens as the multi-chain world grows.

The engine is live on Google Cloud Run today. It's the structural cost advantage that lets us win at 2.5–3.5% — and in Phase 3 it becomes an infrastructure product in its own right: RIE-as-a-Service, per-call pricing for the same players who compete with us today. Stripe-for-stablecoin-routing.