Focus on the business
The payments should take care of themselves
Any business requires focused expertise. And focus means minimum distraction. But international payments are frequently a major one.
We've assembled a bank of expertise that's focused on letting you concentrate on the the really important things.
Increase your capability, not your headcount
The Khukhi platform is like having a whole multi-skilled department on your computer or phone. It's a fully automated payments control centre that automastes all the complexities of cross-border payments, and keeps you informed at every step of the way. It seamlessly collects and organises instructions, reports and progress across our specialist financial partners, avoiding the hassle of multiple applications, emails, contracts - and errors and time wasted - that accompany most cross-border transactions.
Powerful, configurable dashboard with full drill-down for balances, transactions, routing and more
Preconfigured for Mastercard Move, Visa Direct, SWIFT and digital assets
Make and receive first- and third-party payments in more than 120 currencies
Manage remittances, B2B transactions and trade through multiple wallets via a single interface
Integrate seamlessly with services like Xero, Quickbooks, ComplyAdvantage and Moody's
Automate repetitive tasks with built-in SoA artificial intelligence
Mint and manage tokens across multiple accounts and wallets for your own digital platform
Protect yourself and your customers through advanced, patented and quantum-resistant federated ledger technology
Let's make this easy
Create your identity
This stage is similar to the way you'd set up an account with a bank (though hopefully a lot less frustrating!). You'll your information and upload some identifying documents. These are needed to comply with anti-money laundering requirements. This information is private and you'll have full control over its use. We'll explain more about this in a moment.
Create your first transaction
This part is easier still. You simply tell us how much, what currency, and to whom. Although your payment can't be processed until your account is approved, knowing its details allows us to identify which of our partners can provide you with the best and fastest service.
This all happens instantly, but you'll have the opportunity to review and approve everything before proceeding.
Your approval
Having identified the licensed partner with the most efficient routing for your requirements, we give you full details of how your transxction will be routed, all associated fees, the expected amount received by the receiving business and how long it will take. We don't have access to any of your documents - these are completely private between you and the licensed partners. We'll explain more about protecting your privacy below.
Compliance checks
Our partners now review the information and documents you've provided. For many destinations, you'll receive a decision by email within a few minutes, but occasionally it may take a little longer. Because all of your documents are instantly and securely available to all parties concerned in the transaction, you're unlikely to encounter the all-too-frequent delays as information is communicated along the transmission chain.
Your payment is settled
And that's your first transaction complete!
At the moment you approve the payment, your recipient receives a message that it's on the way. They can log in to the Khukhi business portal to see its progress, and even use the funds to pay another party or change the receiving currency if they wish. When the payment at its destination, you receive an alert that all is complete.
End-to-end transparency
Your counterparty will be invited to set up their own identity on the system. For certain destinations or transaction types, this might be mandatory to satisfy anti-money-laundering requirements. Under traditional payment methods, this may cause considerable delay as special requests must be made via the receiving financial organisation. Khukhi avoids those delays by automatically using existing identities or gathering new information as necessary.
Future transactions
Making your first payment was pretty simple, but future ones will be easier still. Your documents and information, and that of your customers and suppliers, are maintained and automatically updated as necessary. They're stored on our ultra-secure federated ledger and accessible only by those parties you authorise (this includes us, unless you specifically choose otherwise, we can't see it). Future payments can be as simple as paying the electricity bill.
You're in control
Your Khukhi business dashboard gives you full control over your transactions. You can add, remove or modify counterparties, make and receive payments, generate reports and much more. You can even connect it to your favourite accounting software for complete integration with your business. And your unique Khukhi identity can be safely shared with any potential business partner, making you an easier, safer and more competitive business collaborator.
Balancing privacy with transparency
Your business, and the people concerned with it, have the right to privacy. Sometimes there's a need to reveal certain details in order to establish a relationship. This is particularly true of financial interaction, where institutions are required by law to view and assess key data in order to avoid money-laundering, funding of terrorism or other such transgressions. Revealing such information is a necessary function of your intended trades, but that shouldn't mean declaring open season on your privacy.
You're in control
Your Khukhi dashboard gives you full control over who can access your information - and which information they can see. It's normal for financial institutions to share compliance data with their correspondents - that's a necessary part of making your transaction safe and legal. But you can see exactly who's accessed it and one click is all it takes to grant or deny any request.
Ultimate security
The Khukhi system runs on a unique and patented federated ladger provided by our sister company, CertiQi. It's the next generation of blockchain technology, featuring security that's even resistant to quantum attacks. So secure, in fact, that your data is invisible even to us and the system's creators. Only you can make the decisions - which you can revoke at any time - as to who has access.
Transparency works for you
From your first setup on our system, your business has its own unique identifier, called an eKeyiD. Banks and other institutions that you choose to authorise can access that information to speedily onboard and and work with you. Transactions operate smoothly, with requests for further information becoming an extremely rare delay. You can request and access important information about your counterparties for safer commerce, and you can safely display your eKeyiD as a demonstration that you're easy and safe to deal with.
Work your way
It's important to you, and therefore important to us, that improving things for tomorrow shouldn't get in the way of today's business. That consideration was part of our planning from day one. Our mobile and desktop control panels are ready for your use, pretty much from day one. That will get you off to agreat start, but there's prectically no limit to the tailoring that can follow.You'll have a comprehensive array of RESTful APIs at your disposal, along with one-to-one access with our specialist API team to help you integrate or build new interfaces to suit your purposes. But it doesn't stop there...
Interoperability
Khukhi already has baked-in support for major services like Mastercard Move, Visa Direct, Xero, Salesforce and many more. But tell us about any other connection you need and the chances are, we've already done it. If not we have the interfacing specialists ready and waiting to connect in to your bank, your enterprise system or even your next big business idea.
Make it your own
If you need to present your own corporate brand to your customers, that's completely doable. The Khukhi platform was designed for white labelling, so the look is take care of, but you'll need more than that. You can set up and manage discrete customer accounts at will, right down to giving them their own credentials to make and receive payments through international banking systems. Using our tokenisation function, you could even (subject to financial authorisation) mint and operate your own stablecoin.
