FynLayer connects businesses to banks and payment providers through one integration. It helps them manage international payments, compare exchange rates and apply payment checks. The same platform is designed to let AI agents make payments within agreed spending limits and approval rules. FynLayer never holds customer money: licensed partners handle the transfer of funds.

Can FynLayer integrate with our existing banks and payment providers?

Yes. You can connect your existing banks and payment providers while keeping your commercial relationships. FynLayer also plans to arrange access through licensed partners.

INFRASTRUCTURE FOR CROSS-BORDER AND AI PAYMENTS

One platform for cross-border and AI payments

Q: How does FynLayer support AI payments?

FynLayer lets AI agents initiate payments within agreed spending limits, permissions and approval rules, with a payment record that reveals any later changes.

FynLayer connects businesses to banks, payment and foreign exchange providers through one integration. Manage international payments, compare conversion rates and route payments with built-in checks and controls.

The same platform is designed to let AI agents make payments within agreed spending limits and approval rules.

FynLayer never holds customer money. Licensed partners handle the transfer of funds.

Talk to us See how it works

READY TODAY

Cross-border payments across four markets.

Moving money across borders means managing separate banks, payment providers, foreign exchange and compliance checks in each country. FynLayer replaces that with one integration.

One integration, multiple payment options

Connect once to reach domestic payment systems across four markets: the UK, Europe, the US and India, instead of building and maintaining separate connections yourself.

Foreign exchange routing

Route each payment to compare exchange rates across licensed banking and foreign exchange partners.

Compliance checks built in

Identity checks on individuals (KYC), checks on businesses (KYB), sanctions screening and a payment record that reveals any later changes.

UK · Faster Payments, BACS | Europe · SEPA, SEPA Instant | US · ACH, FedNow | India · UPI, IMPS, NEFT

Production availability depends on the payment route, partner onboarding and testing.

CURRENCY CONVERSION & FX ROUTING

More control over currency conversion. More value from every payment.

When a payment involves currency conversion, the exchange rate directly affects its cost. FynLayer brings FX comparison and payment routing together, helping businesses choose among connected providers and manage conversion costs.

Compare rates across providers: assess available exchange rates through one integration.
Connect conversion with payment routing: choose a provider and payment route that fit your priorities.
Pay across currencies: manage international seller and supplier payments through connected partners.

Marketplace example

A UK marketplace needs to pay sellers in India. FynLayer compares available partner exchange rates, applies payment checks and routes the payout through the selected provider.

Commerce is becoming agentic.

The same platform that runs your cross-border payments today is ready for the next shift.

Software is moving from assisting with transactions to initiating them.

Agents can discover products, choose services, procure resources and execute transactions. But the financial infrastructure beneath commerce was designed around humans, websites and checkout buttons.

Agentic commerce needs a new financial layer.

One that can understand who an agent represents, what it has permission to do, how it should pay, which rails it should use and whether a transaction should proceed.

That is FynLayer.

CORE CAPABILITIES

One platform for cross-border and AI payments.

FynLayer connects businesses to banks and payment providers through one integration, bringing together international payments, foreign exchange and payment controls. Compare FX rates across licensed providers and route cross-border payments across the UK, Europe, the US and India. The same platform is designed to support payments initiated by AI agents within agreed spending limits and approval rules. FynLayer never holds customer money: licensed partners handle the transfer of funds.

Cross-border payments

Connect once to reach domestic payment rails across the UK, Europe, the US and India through one integration.

Explore cross-border rails

FX rates compared across licensed providers

Compare available exchange rates across connected partners and coordinate foreign exchange routing with built-in controls.

Explore FX routing

Payment management & controls

Manage payments across banks and payment providers with identity checks, business verification and immutable audit records.

Explore payment management

AI agent payments on the same platform

Enable AI agents to initiate payments within defined spending limits, permissions and approval rules.

Explore AI agent payments

Trust & governance

FynLayer never holds customer money. Licensed banks and payment institutions execute and settle every transfer.

Explore trust and controls

Developer platform

Unified APIs, clear documentation and sandbox environments for testing payment flows before launch.

Explore developer platform

Every AI-driven transaction has to answer six questions.

WHO IS ACTING? Verify the agent and the entity it represents.
WHAT WAS AUTHORISED? Capture intent, permissions and spending parameters.
CAN IT TRANSACT? Apply policy, risk and compliance controls.
HOW SHOULD IT PAY? Select the right credential, provider, payment method or rail.
SHOULD THE TRANSACTION PROCEED? Evaluate context and risk in real time.
WHAT HAPPENED? Create a transparent, auditable transaction record.

FynLayer turns all six into infrastructure.

Built for an open financial and AI ecosystem.

Cross-border commerce and agentic transactions connect multiple payment providers and rails. FynLayer connects software to banks and payment providers through one integration with no unnecessary lock-in.

One integration. Multiple rails. FynLayer never holds customer money.

TAILORED SOLUTIONS

Cross-border and AI payment solutions.

FynLayer brings together cross-border payments, FX rates compared across licensed providers, and domestic reach across the UK, Europe, the US and India. Built for fintechs, remittance companies and marketplaces, with AI payments supported on the same platform. FynLayer never holds customer money: licensed partners handle the transfer of funds.

Fintechs & Remittance

Manage cross-border payouts, collections, and FX comparison across the UK, Europe, the US and India through one integration.

Explore Fintechs & Remittance

Marketplaces

Coordinate international seller payouts, evaluate exchange rates across connected partners and route payments with built-in controls.

Explore Marketplaces

AI Platforms & Agent Builders

Enable software agents to initiate payments safely with predefined spending limits and approval rules on the same platform.

Explore AI Platforms & Agent Builders

Banks & Payment Providers

Connect to an open payments infrastructure with verified counterparty identity and compliant transaction routing.

Explore Banks & Payment Providers

Enterprise

Automate international supplier payouts and treasury operations while retaining complete spending limits and approval governance.

Explore Enterprise

Cross-border and autonomous payment workflows.

How businesses and autonomous software discover, decide and pay across the international economy.

Cross-Border Marketplace Payouts: Pay international sellers in their local currency with FX rates compared across licensed partners.
Agentic Checkout: An AI assistant discovers a product and completes the transaction within agreed limits.
Autonomous Procurement: Enterprise agents source services, compare suppliers and purchase within predefined policies.
Machine-to-Machine Payments: Agents pay for APIs, compute, data or digital services automatically.
International Remittance: Route consumer transfers across the UK, Europe, the US and India with real-time compliance.

BUILT FOR DEVELOPERS

Built for developers. Ready for AI agents.

Integrate FynLayer once and connect to global banking rails, foreign exchange providers and AI spending controls.

One API Layer: Connect to payment infrastructure across four markets without building separate integrations.
Foreign Exchange Comparison: Compare quotes from licensed providers and select optimal routing.
Programmable Controls: Define permissions, transaction limits and payment policies in software.
FynLayer never holds customer money: Licensed partners handle the transfer and settlement of funds.

Trust and controls for international and AI payments.

The more decisions software makes, the more important identity, permissions and accountability become.

Agents should be able to initiate payments within clear limits, but never without authority, controls and accountability.

Identity: Verification of who the agent is and what legal entity or human holds ultimate responsibility.
Intent: Clear limits on what an agent can spend, where and when.
Control: Real-time approval rules, spending limits and human approval workflows.
Auditability: A payment record that reveals any later changes for every decision, check and payment response.
FynLayer never holds customer money: Licensed banks, payment institutions and foreign exchange providers execute and settle every payment.

FynLayer connects businesses to banks and payment providers through one integration, bringing together international payments, foreign exchange and payment controls.

The same platform is designed to support payments initiated by AI agents.

Talk to us about cross-border and AI payments.

Talk to us