Every way money comes in.
Every way money goes out.
Online collections, payouts, cross-border and reconciliation — in one corporate banking workspace. $40B+ processed annually.
Single. Bulk. Cross-border. One workflow.
Compose one payment or a 10,000-line bulk file. The composer is the same — line-level validation, custom approval matrix, lowest-cost routing, audit trail attached at the moment of authorisation.
- 01One composer for single, bulk, scheduled, recurring — and for INR or international wires. No mode-switching.
- 02Maker → checker → CFO approval matrices configurable per entity, amount, currency, vendor, or counterparty.
- 03Bulk uploads with line-level validation: IFSC checks, account-name match, GST sanity, sanctions screening.
- 04Routing intelligence picks the cheapest or fastest rail in real time — and reroutes if a bank dips.
- 05Every payment auto-logged for downstream recon — the transaction reaches Smart Statement before it reaches the recipient's bank.
Every rail you'd ever route through.
Domestic, cross-border, instant, scheduled — Open's rail support is exhaustive by design. Switch between them inside one workflow.
RTGS · NEFT
Real-time gross settlement for high-value transfers. NEFT for bulk vendor disbursements. Routed via the bank with the lowest charges in the moment.
IMPS · UPI
24×7 instant settlement for sub-₹5L payouts. UPI for B2B disbursements where the recipient has a VPA.
Real-time wire
USD, EUR, GBP, SGD, AED — full FX rate quotes pre-auth, beneficiary screening, FIRC paperwork generated.
Govt payments
via OLTAS
GST, TDS, advance tax, ESI, PF — paid directly from your current account through the bank's OLTAS link.
Card-to-bank
refunds & offers
Disburse to RuPay debit cards instantly. Used for marketplace refunds, gig-worker payouts, cashback programs.
LC, BG,
trade finance
Letters of credit and bank guarantees initiated from the platform, status visible through the bank API where supported.
India and the world. One workspace.
Collect from global customers, pay international suppliers and group entities, see the INR before money moves, and let compliance documents handle themselves — inside the same workflow as your domestic rails.
Receive international payments
Collect from global customers in USD, EUR, GBP, SGD, AED with transparent FX, settlement tracking and document workflows inside your finance workspace.
Send international payments
Pay suppliers, contractors, group entities and partners with purpose-code context, approval workflows and compliance documents — real-time, not legacy wires.
Know the INR before money moves
Live FX rates, bank fees, network fees and expected INR settlement — so cross-border decisions are made with full context, not after the fact.
Documents handled, not chased
FIRA, eFIRA, FIRC, FCRA, purpose-code, invoice and approval docs handled inside the payment workflow. Form 15CA / 15CB e-signed. FIRA auto-fetched post-settlement.
Every transfer needs a human.
Payments are the one place we keep the agent on a leash. Bulk uploads, recon, drafting filings, chasing receivables — all autonomous. The final click on a transfer stays with you and your approval matrix.
- 01Approval matrix per entity, currency, amount band, vendor concentration, and counterparty type. Configurable in plain English.
- 02Role-based authorisation tied to SSO + step-up MFA — the maker, checker, and approver can never collapse into one identity.
- 03Sanctions screening pre-authorisation. OFAC, UN, EU lists checked against every counterparty before the transfer composes.
- 04Beneficiary verification: account-name match through penny-drop, GSTIN active-status check, vendor master cross-reference.
- 05Immutable audit trail — every click logged with who, when, from what device, at what IP. Auditor-ready exports in one click.
Agents propose. You authorise. Bulk payouts are pre-drafted by the agent — validated, routed, screened. The final click stays with your matrix.
Every rail. Every approval.
One workflow.
From a single ₹5,000 NEFT to a 12,000-line vendor batch — same composer, same approval chain, same audit trail.