🌍Cross Border Payments (Coming Soon)

Product of MAIV | Powering the Future of Global Payments

📘 Overview

This flagship product being developed by MAIV, is built to modernize cross-border payments with a unified, programmable financial infrastructure.

MAIV's infrastructure is designed to eliminate the legacy inefficiencies of international money movement by enabling:

• 🔄 Real-time FX conversion

• 🔐 Seamless compliance integration

• ⚡ Instant or near-instant settlement

• 💸 Transparent, programmable fees

• 🌍 Access to multiple liquidity sources in global corridors

🧱 The Problem MAIV Solves

Despite over $290 trillion forecasted to move across borders annually by 2030, international payments remain:

• Slow: 2–5 business days to settle

• Expensive: Fees ranging from 2–7% depending on route

• Opaque: Hidden FX spreads and unpredictable intermediaries

• Manual: Compliance checks and routing are often non-automated

This outdated architecture disproportionately affects emerging markets and frontier economies.

💰 Real-World Comparison: $100M Institutional Transfer

Example: High-friction corridor (e.g., Africa → EU, LATAM → UK)

Fee Type	Typical Range (USD)
FX Spread (2–5%)	$2,000,000 – $5,000,000
Transfer/Wire Fees	$25,000 – $50,000
Intermediary Bank Fees	$10,000 – $25,000
Compliance/KYC Fees	$10,000 – $75,000
Receiving Fees	$5,000 – $10,000
Total Estimated Cost	$3M – $7M+
Time to Settle	2–5 business days

These costs are not optional — they are built into the legacy system.

⚡ MAIV’s Optimized Infrastructure

Component	MAI Advantage
FX Execution	On-chain pricing & automated netting
Routing	Programmatic corridor optimization
Settlement	Seconds to minutes
Compliance	Modular, embedded KYC/AML logic
Transparency	Full visibility into fees & flow
Cost Saving	Up to 90% reduction

MAIV offers dramatic savings and greater control to fintechs, businesses, and platforms moving large volumes across borders.

🔗 Built on MAIV

MAIV provides the architecture and tools for:

• ⚙️ Liquidity coordination across corridors

• 📊 Smart contract-powered pricing and routing

• 🧠 Modular compliance integration

• 🔁 Real revenue generation and rewards infrastructure

MAIV doesn’t just power the infrastructure — it shares in its growth.

💸 Revenue Share for $MAIV Holders

As MAIV processes global payment volume, it generates protocol revenue via:

• FX spreads

• Transaction routing fees

• Value-added liquidity services

A portion of this net revenue is allocated to $MAIV holders who stake on the MAIV platform.

How it works:

1. MAIV generates fees on transactions

2. A share is deposited into the $MAIV Revenue Pool

3. Rewards are distributed to stakers proportional to their stake

If you stake 2% of the total pool, you earn 2% of distributed rewards.

No inflation, no dilution — just real platform revenue flowing back to contributors.

🔐 Why It Matters

• Performance-driven: Rewards scale with actual platform usage

• Aligned incentives: Stake to earn — the more you commit, the more you benefit

• Predictable logic: Rewards are transparently calculated and distributed

• Sustainable: Revenue is generated through usage, not emissions

This creates a yield model that is durable, transparent, and backed by high-volume financial flows.

🧠 Use Cases

• Global B2B payments

• FX-as-a-service for wallets and neobanks

• Supplier and freelancer payouts

• International remittances

• Platform-based settlement infrastructure

MAIVs infrastructure is designed to serve fintechs, regulated institutions, and payment processors looking to replace expensive SWIFT-based rails with programmable infrastructure.

📅 Roadmap

Feature	Status
Core Routing Engine	🛠️ Ongoing
FX Optimization Layer	🛠️ Ongoing
Multiple Corridor Integrations	🛠️ Ongoing
$MAIV Staking & Revenue Pool	🔜 Q3 2025
Corridor Expansion (LATAM, Africa, SEA)	🔄 Rolling
MAIV Partner APIs & Integration Toolkit	🔜 Q4 2025 – Q1 2026