① On-ramp
Fiat enters via bank transfer, card, or platform balance. KYC/AML and sanctions screening execute inline; a partner (PDAX, Bridge — a Stripe company) converts to a regulated stablecoin.
stage: USD received → USDC minted/settled
Talino.ai connects compliant stablecoin rails directly to local banking — so a remittance from New Jersey lands in a Nueva Ecija rural bank in seconds, at a fraction of legacy cost, with a full audit trail the whole way.
Correspondent banking chains add days of latency, multiple intermediary fees, and opaque FX. For the communities Talino was founded to serve — OFW families, rural banks, emerging-market platforms — that friction is the difference between inclusion and exclusion.
Senders pay in the currency they have. Recipients receive in the currency they need. The stablecoin leg — fast, transparent, programmable — happens between them, invisible to both.
Fiat enters via bank transfer, card, or platform balance. KYC/AML and sanctions screening execute inline; a partner (PDAX, Bridge — a Stripe company) converts to a regulated stablecoin.
Value moves on-chain in seconds, 24/7, at network cost — not correspondent-bank cost. Programmable: the transfer can carry policy, references, and compliance attestations with it.
Local partners convert to fiat and credit the destination: bank account, e-wallet, rural-bank ledger, or cash-out point. Recipients never need a wallet, an exchange account, or crypto knowledge.
We transact only in fully-reserved, regulated payment stablecoins from supervised issuers, consistent with the principles of the GENIUS Act: 1:1 reserves in cash and short-duration treasuries, monthly attestations, and redemption rights. As a registered MSB, Talino applies the same reporting and operational standards to stablecoin legs as to fiat ones — and every route is chosen for compliance first, cost second.
| Legacy correspondent | Crypto (volatile) | Talino stablecoin rail | |
|---|---|---|---|
| Settlement time | 2–5 days | seconds–minutes | ~1.8s end-to-end legs |
| Availability | Banking hours | 24/7 | 24/7/365 |
| Value stability | Fiat (FX spread) | No — swings intraday | 1:1 regulated reserves |
| Regulatory wrapper | Mature | Fragmented | MSB + GENIUS Act aligned |
| Programmable | Limited (SWIFT gpi) | Yes | Yes — API & MCP-native |
| Reaches local accounts | Yes | No — wallet-gated | Yes — bank, wallet, cash-out |
Diaspora transfers that arrive in seconds for less — straight into the local accounts and cash-out points families actually use.
Cross-border invoice payment with compliance packets attached, cutting float from weeks to same-day.
One API to pay thousands of recipients across dozens of countries — agents can batch it, policy guards it.
Hold and move dollar-equivalent value with programmable controls; convert to local currency on demand.
Live lane simulations for your volume, your currencies, your beneficiaries — with real quotes, not slideware.