Trust

A figure is only worth relying on if the one giving it has nothing to gain.

SwapEazi measures what cross-border payments cost, before and after they move. These are the properties that make the figure independent, and how each one can be assessed rather than taken on our word.

What we never do

No side in the rate.

SwapEazi is not a bank, a payment institution, a money transmitter or a foreign exchange provider.

Money: We never move, hold, route or convert money. There is no customer balance and no payment to intercept.
Fees from providers: No referral fees, commissions or revenue share from any bank or provider we score, so no route pays us more than another.
No advice: We never rank a route. Every route is scored against your own policy and you decide. Evidence, not advice.

How a figure is held to account

Measured, bounded and signed.

A margin of error on every figure: Each cost carries the precision of the reference it was measured against. A cost inside its margin is reported as not material, not as a finding.
Unverified is never passed: A licence, limit or delivery time we have not confirmed is reported as unconfirmed, with what is missing. It is never passed, and never failed on a guess.
Unmeasurable is never estimated: A payment in a currency or on a day we cannot measure is returned as unpriced, with the reason.
Signed records: Every verification and reconciliation is signed with our key. Anyone can verify a record free at /api/v1/attestations/verify, or offline against the public keys at /api/v1/attestations/keys.

Your data

Amounts, dates and rates. Never the people.

Payment messages: From an MT103 or pacs.008 we read amounts, dates, rates and charges. Parties, account numbers and payment descriptions are never read or stored.
The free assessment: Keeps the anonymised economics only: currency pair, month, size band and measured cost. No company, person, reference, exact amount or exact date. Peer figures are shown only over five or more contributions.
Keys: Paid API keys are stored only as hashes. We cannot read a key back, only verify one.

Before the money moves

Map the intent before you release the payment.

State what has to land, where and by when, and the limits your policy sets. The map shows every option with its evidence and unknowns, signed, with a map_id your approval or treasury system can require before release. Measuring a single quote stays free.

Ask about your next payment See what past payments cost