One API
Every rail

Instant cross-border payments for financial institutions. One API with three payout rails, end to end statuses and automated reconciliation.

Bank

PSP

Wallet

Bank

PSP

Wallet

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Instant payout to recipients,
credited in real time

Unified API

Payout rails

T+X

Auto settlement

Bank A

Bank B

Bank C

One API

Fast go-to-market

Connect once through a single API and reach the whole network. Go live in weeks, with no separate integration to build for each bank.

Payout

Statuses

Netting T+X

Automated & Secure

Reconciliation, statuses and T+X netting run on our side, so settlement handles itself. Track every transfer end to end, with nothing to match by hand.

Earn on every transfer

Cross-border transfers become a new revenue line. You set your own FX rate and keep the margin, and netting cuts the number of SWIFT settlements so your costs stay low.

Instant
International
Transfers

One integration replaces dozens of separate bank connections, and the overhead that comes with them.

How a transfer works

Instant payout to the recipient while SWIFT settlement happens in parallel.

Initiate and check

The client starts a transfer at the sending bank, which runs KYC/AML and converts the funds to USD. Through MilkyWay the bank validates the beneficiary with the receiving bank and locks the final rate before the client confirms.

KYC · AMLFX rate

Client

Sending bank

MilkyWay

Receiving bank

KYC · AML

Pre-check

FX rate

Pay out instantly

The receiving bank credits the beneficiary in local currency in real time, to a wallet, card or bank account, paying out from its pre-funded position or a post-funded credit limit.

Real timeLocal currency

Receiving bank

Wallet

Card

Bank account

Phone number

Card number

IBAN

Settle net (T+X)

Actual funds move between the banks through the Settlement Center, a separate licensed institution. Positions are netted and settled once per period, not per transfer, minimizing SWIFT traffic.

NettingT+XSWIFT

Sending bank

Settlement Center

Receiving bank

MilkyWay

Net positions

T+X settlement

SWIFT

Why MilkyWay

One API, every corridor and bank-grade compliance. Everything you need to launch cross-border payouts.

Compliant by design

A licensed payment system: segregated accounts, encrypted transfers and a full audit trail your compliance team can sign off on.

Licensed payment system
Encrypted transfers
Full audit trail

AI-agent readySDK & Docs

Build it your way

One clean API, documented end to end. Rather not build it yourself? Point an AI agent at our docs or connect through our Claude plugin, a sandbox is included.

Bank accountIBAN transfer

Any payout method

Straight to a bank account, a card or a wallet. One integration covers all three, with no separate payout flows to build.

Where we reach

A growing network of corridors across MENA, CIS and beyond. Every new destination is one onboarding away, it simply switches on for you as we add it.

MENA & CIS coverage
One onboarding per destination
No extra integration

MilkyWay for all

Qatar

UAE

Kazakhstan

Uzbekistan

Tajikistan

Join today!

Frequently Asked
Questions

Everything about joining the network, payouts and settlement, in one place.

MilkyWay is planet9's instant cross-border transfer network. One API connects your institution to every member bank, wallet and payout rail, with end-to-end statuses and automated reconciliation.
Licensed banks, wallets, PSPs and MTOs. Tell us about your institution through the form below, and onboarding starts with a compliance review and a sandbox account.
MilkyWay connects financial institutions across MENA and CIS: UAE, KSA, Qatar, Kazakhstan, Uzbekistan, Tajikistan, Kyrgyzstan and Azerbaijan, with new corridors added regularly.
In real time. The receiving bank credits the beneficiary in local currency from its pre-funded position (or a post-funded credit limit), while settlement happens in parallel.
Positions are netted and settled once per period (T+X) through the Settlement Center, a separate licensed institution. Funds never touch MilkyWay or planet9 accounts.
One integration covers the whole network. With our sandbox and documentation most partners go live in a few weeks, with no extra integrations per corridor.