Money finally gets a router
One API now decides how each payment should travel, cheapest, fastest or recommended, across the providers you already have deals with, and lets your user approve exactly the route they saw.
Every platform that moves money learns the same lesson eventually: the provider you integrated first is rarely the one you need for every payer, every country and every amount. Unirail is routing intelligence for the providers you already work with: one API over your open-banking aggregators and payment initiators today, with identity checks, account verification and compliance screening next, several providers to each capability. The licences, the contracts and the KYC stay yours.
Ask for a route quote between two accounts and Unirail checks every connected provider that could serve the pair against schemes, amounts, currencies, institution restrictions and your routing policy. Up to three quotes come back, labelled cheapest, fastest and recommended, each with its legs, its cost, its timing and who holds the money after every hop.
Your user chooses, and you bind their approval (a passkey, a PIN, a confirm step) to the quote’s
id and digest. Then you decide who places the call: your own backend, with your
own credentials through the SDK, or Unirail, reading them just-in-time from your vault. Either way the money
moves between banks through your provider, never through Unirail.
Airlines solved this decades ago with distribution systems that let one agent sell every carrier. Unirail is that idea for payments: one integration over every provider you’ve signed, deal terms beside the routing data, and a marketplace for the providers you haven’t signed yet.