Execution Assurance for cross-border payments. Resolve execution uncertainty before funds commit.
Cross-border payments fail because operators discover degraded corridors after they try them. PAYKX is an independent Execution Assurance layer that scores every active partner against live corridor conditions and returns a GO, DEGRADED, or NO-GO verdict in a single API call. Resolve execution uncertainty before funds are committed, not after.
Independent Execution Assurance. Real-time. Before money moves.
Built on: FCA Digital Sandbox (shadow mode) · UK to Nigeria corridor · Sub-1s decisions · Non-custodial
Corridor health
One call. Every partner scored against live corridor conditions.
POST /api/v1/compare runs the 7-signal scoring engine once per partner on the same corridor and amount. It returns a ranked list, highest score first, with a recommended shortcut at the top.
{
"recommended": { "name": "GTBank", "score": 0.94 },
"ranked": [
{ "rank": 1, "name": "GTBank", "decision": "GO", "score": 0.94 },
{ "rank": 2, "name": "Zenith", "decision": "GO", "score": 0.91 },
{ "rank": 3, "name": "Wise", "decision": "GO", "score": 0.88 },
{ "rank": 4, "name": "UBA", "decision": "GO", "score": 0.84 },
{ "rank": 5, "name": "WorldRemit", "decision": "DEGRADED", "score": 0.61 }
],
"corridor": "GB-NG",
"latency_ms": 312,
"mode": "shadow"
}
- Partner-specific reliability: Each partner's historical failure rate on this corridor is scored independently, not averaged across the industry.
- Shared corridor signals: FX volatility, settlement latency, and fraud indicators are evaluated once and applied across all partners in the same call.
- Instant routing recommendation: The top-ranked partner is returned as a recommended shortcut, ready to pass directly to your routing logic.
Who pays for it
Three buyers. One pre-flight layer.
Head of Payments / COO: UK-licensed EMIs and remittance operators
Companies like: WorldRemit, Paysend, VertoFX, TransferGo, LemFi
The pain: When a corridor degrades, you already know to switch partners, but you find out after payments start failing. By then you are managing angry customers, manual investigations, and potential FCA questions. The gap between degradation and your team noticing is where the damage happens.
- One API call ranks all your active partners by live corridor score, before you route
- The window between corridor degradation and manual intervention shrinks to seconds
- Every routing decision is logged with its full signal chain, ready for FCA review
Product / BD Lead: BaaS and embedded finance platforms
Companies like: Railsr, Griffin, ClearBank, Modulr, Banking Circle
The pain: When one of your embedded corridors degrades, the impact hits all your clients at once. You usually find out through support tickets and complaints rather than through proactive signals.
- Add corridor health intelligence as a premium feature
- One integration gives your clients visibility into execution risk across multiple corridors, without you having to build it yourself
- Turn a hidden operational risk into a value-added service
CTO / Head of Product: Platforms building agentic and programmable payments
The pain: Your AI agents or automated systems can initiate payments, but they currently lack reliable guardrails at the corridor level. There is no independent way to assess whether a payment should execute before it is authorized, which creates both operational and compliance risk.
- Give your agents a deterministic pre-execution verdict with a full signal chain
- Every decision is logged and explainable, helping you meet future governance and audit requirements
- Designed to drop into any agentic payment architecture via API
Pricing
Start free. Scale when it works.
No commitment to begin. Move forward only once you have seen the results on your own corridors.
Shadow Diagnostic: Free
Analyse anonymised transaction samples from your payment flows. Receive a Match Report showing where PAYKX would have returned GO, DEGRADED, or NO-GO decisions. No integration or technical work required. 48-hour turnaround.
Design Partner Pilot: From £1,000/month
Live evaluation using real payment flows. Structured onboarding and dedicated support during the pilot. Monthly performance reporting and insights. We are currently onboarding our first five Design Partners, who receive preferential terms and direct access to the founding team.
Production: Custom pricing
Full production deployment. Multi-corridor and high-volume support. Enhanced SLAs and priority support. Custom integrations and reporting. Pricing is scoped after a Shadow Diagnostic.
How accountability works: PAYKX provides pre-execution verdicts as a decision-support layer. Your platform retains full execution authority. Every verdict includes the complete signal chain, giving your compliance team an auditable record of why a payment was approved, held, or blocked.
Trust and evidence
Tested at scale, validated by the FCA, and ready to run against your own corridors.
- FCA Digital Sandbox participant, independently validated
- 750,000+ synthetic transactions tested across the UK-Nigeria corridor
- Every verdict carries a full audit trail for compliance review
- Sub-second latency, no impact to your existing payment flow
API Reference
Base URL: https://api.paykx.co.uk
Authentication: Bearer API key in the Authorization header. Keys issued per design partner.
POST /api/verify: Single payment verdict
POST /api/verify
{
"corridor": "GB-NG",
"amount": 5000,
"currency": "GBP",
"reference": "inv_10428"
}
Response:
{
"verdict": "DEGRADED",
"score": 0.61,
"reasons": ["Beneficiary bank settlement latency elevated"],
"latency_ms": 480,
"mode": "shadow"
}
POST /api/v1/compare: Rank all partners
POST /api/v1/compare
{
"corridor": "GB-NG",
"amount": 5000,
"currency": "GBP",
"partners": ["GTBank", "Zenith", "Wise", "UBA", "WorldRemit"]
}
Response:
{
"recommended": { "name": "GTBank", "score": 0.94 },
"ranked": [
{ "rank": 1, "name": "GTBank", "decision": "GO", "score": 0.94 },
{ "rank": 2, "name": "Zenith", "decision": "GO", "score": 0.91 },
{ "rank": 3, "name": "Wise", "decision": "GO", "score": 0.88 },
{ "rank": 4, "name": "UBA", "decision": "GO", "score": 0.84 },
{ "rank": 5, "name": "WorldRemit", "decision": "DEGRADED", "score": 0.61 }
],
"corridor": "GB-NG",
"latency_ms": 312,
"mode": "shadow"
}
Contact: hello@paykx.co.uk | www.paykx.co.uk
PAYKX is currently in FCA Digital Sandbox shadow mode. All responses are generated from synthetic data. No real payments are assessed or moved.