White-Label Remittance Platform
Shivacha Remittance: Cross-border money transfer with transparent FX and flexible payout networks.
Rails
Card · A2A · Stablecoin
Routing
Provider A · B · C
Settlement
T+1
Typical implementation
3–5 weeks
White-label implementation
Customization
Highly customizable
Brand, workflows and integrations
- White-label
- Ready to launch
- Production-ready
- Customizable
- API-ready
Timelines refer to software implementation and deployment scope for a defined configuration. Third-party integrations, regulatory approvals, banking and card-issuer onboarding, custody and liquidity agreements, security audits and other external dependencies may require additional time.
Overview
A remittance platform for licensed money transfer operators: sender apps, FX quotes, payout partner integrations, compliance workflow integrations, agent tools and corridor treasury.
The problem
Remittance operators compete on cost, speed and reach, but legacy platforms make new corridors and payout partners slow to add and hard to price competitively.
The solution
Shivacha Remittance provides a modern sender experience, a configurable FX and pricing engine and a partner framework for payout networks — with optional stablecoin settlement legs through the hybrid extension.
Feature modules
What's inside
Sender apps
Onboarding, quotes, recipients and tracking.
FX & pricing
Real-time quotes and corridor-level margin rules.
Payout network
Bank, wallet and cash pickup partner adapters.
Compliance integrations
KYC, screening and monitoring provider connectivity.
Treasury
Pre-funding and liquidity per corridor.
Agent tools
Point-of-service software for agent locations.
Product preview
Designed for operators and end users.
- Mobile and web sender apps
- Transparent FX quotes
- Corridor configuration
- Payout partner framework
- Transfer tracking
- Agent network tools
- Treasury dashboards
- Optional stablecoin legs
- ClientCheckout · wallet
- APIIdempotency key
- Identity & KYCVerified
- Risk & complianceRules passed
- Payment gatewayAuthorised → captured
- LedgerDouble-entry posted
- SettlementBank rail · T+1
Journal entry · balanced
| Account | Debit | Credit |
|---|---|---|
| Customer funds | 120.00 | — |
| Merchant payable | — | 118.20 |
| Fee revenue | — | 1.80 |
Architecture
Built to integrate and extend.
Modular services behind stable APIs, deployed into your environment.
Specifications
Deployment, security and integration
Integrations
- Payout partners
- Banking partners
- FX liquidity providers
- KYC & screening providers
- Stablecoin ramps (optional)
Security
- Double-entry ledger with immutable journal
- Maker-checker controls for sensitive operations
- Encryption, tokenisation and secrets management
- Strong customer authentication and device binding
- Comprehensive audit trails
- Architecture aligned with PCI DSS where card data is involved
Deployment
- Your cloud account in your chosen region
- Dedicated single-tenant deployment
- Private cloud / on-premises Kubernetes
- Managed deployment with operational support
Customisation
- White-label mobile and web apps
- Product, fee and limit configuration
- Partner and provider adapters
- Custom workflows and back-office tools
- Reporting and data exports
Use cases
Who launches with it
- Digital-first remittanceApp-based international transfers.
- Corridor expansionAdding sending and receiving countries.
- Agent modernisationDigital tools for agent networks.
- Hybrid remittanceStablecoin settlement where it lowers cost.
See it in action
Request a tailored demo for your use case.
Demos are tailored to your markets, partners and integration requirements.
Custom engineering
Extend it with our services
Remittance Platform Development
International remittance platforms: sender apps, FX quotes, payout networks, compliance integrations and agent tools.
Learn moreCross-Border Payment Platform
Cross-border B2B and B2C payment platforms with multi-currency accounts, FX, local rails and payment tracking.
Learn moreCrypto Remittance Platform
Remittance using stablecoins and digital assets as a settlement leg — faster, lower-cost transfers via licensed partners.
Learn moreRelated products
Works well with
Shivacha Hybrid Payments
Accept cards, bank transfers and stablecoins. Settle in fiat or digital assets.
Learn moreShivacha Stablecoin Payments
Dollar-denominated payments, payouts and settlement on stablecoin rails.
Learn moreShivacha Digital Wallet
Stored-value wallets with top-ups, P2P, payments and rewards.
Learn moreLearn more
Related thinking
Ledger-first architecture for a partner-bank neobank
How we structure a neobank so that balances always reconcile with the sponsor bank and partners can be added or replaced.
Learn moreStablecoin settlement layer for a card-accepting payment platform
A hybrid design that lets merchants accept cards as usual while optionally settling in stablecoins.
Learn moreYour ledger is your product: designing money movement that always reconciles
Fintech products are judged on experience but survive on correctness. A double-entry ledger at the core is what makes balances provable.
Learn moreFAQ
Frequently asked questions
Does Shivacha provide remittance licences?
No. The platform is for licensed operators and their partners.
Can we add a new corridor quickly?
Corridors are configured with partner adapters; timing depends on partner onboarding.
Are stablecoins required?
No. Stablecoin legs are optional and used only where they improve cost or speed.
Request a product demo.
See how Shivacha Remittance fits your business, and how we would customise and deploy it.