FOR COMMERCIAL BANKS

Modern settlement rails.
Without the multi-year build.

Subscribe to cross-border settlement, digital asset custody, CBDC bridging and quantum-safe security as infrastructure — without building or maintaining any of it in-house.

SUB-MINUTE SETTLEMENT NIST-STANDARD PQC CBDC-READY
UNIQUE TO SHAMWARI

Infrastructure you subscribe to.
Not infrastructure you build.

Four ways banks put Shamwari to work as a customer of the network — not a co-owner of it.

SETTLEMENT
Cross-Border Settlement Without Correspondent Banks
Settle FX and cross-border payments directly through a built-in exchange, without routing through a correspondent bank or SWIFT — confirmed in under a minute.
PRIMITIVES USED
Built-in DEX FX settlement
Direct jurisdiction-to-jurisdiction routing
FX Cross-border Correspondent banking
DIGITAL ASSETS
Custody & Exchange, Without Building It
Offer customers digital asset custody and trading through Totem Exchange, with your Securities Regulator holding authority from day one — a new revenue line without a multi-year build.
PRIMITIVES USED
Totem Exchange, regulator authority at genesis
Automatic dividend tax withholding
Custody Digital assets New revenue
CBDC
CBDC Bridging & Participation
Connect to central bank digital currency infrastructure as it comes online in your market, without building your own bridge to it from scratch.
PRIMITIVES USED
ShamwariPay currency bridging
Jurisdiction chain interoperability
CBDC Central banking Interoperability
COMPLIANCE
KYC & AML That's Enforced, Not Just Documented
Issue and verify digital certificates for customer and counterparty KYC that's cryptographically enforced at the protocol level — not a policy document someone has to manually check.
PRIMITIVES USED
Digital Certificates (W3C Verifiable Credentials)
Protocol-enforced AML controls, instant revocation
KYC AML Compliance
VALUE PROPOSITION

A subscription, not
a systems integration project.

WITHOUT SHAMWARI
Cross-border settlement routes through correspondent banks — typically 1.0–1.5% in RTGS fees and multi-day settlement.
Digital asset custody means building or licensing an entirely separate platform.
Post-quantum migration means redesigning consensus, storage and fees from scratch, years from now, under deadline pressure.
VS
WITH SHAMWARI
Cross-border settlement clears in under a minute, at a blended effective rate under 0.5%.
Digital asset custody and exchange is a subscription away, live on day one.
Every account has been quantum-safe since genesis — nothing to migrate, ever.
PRICING

Flat subscription tiers.
No systems-integration bill.

For RBZ-licensed commercial banks, partner banks and custodians. Banks act as institutional lenders on the network and are not eligible to apply for loans.

BANK COMMUNITY
$800/mo
Annual $7,680/yr — save $1,920
Up to 20,000 transfers & payments/mo ($20M cap)
5,000 loan ops · Full protocol suite
$0.08 overage · 12-hour SLA
BANK COMMERCIAL
$2,000/mo
Annual $19,200/yr — save $4,800
Up to 100,000 transfers & payments/mo ($100M cap)
25,000 loan ops · CBDC bridging included
$0.05 overage · 4-hour SLA
BANK INSTITUTIONAL
$5,000/mo
Annual $48,000/yr — save $12,000
Up to 500,000 transfers & payments/mo ($500M cap)
100,000 loan ops · Unlimited vault & savings
$0.03 overage · 2-hour SLA

Operating at national settlement scale, or exploring a CBDC pilot? That's a dedicated engagement, not a subscription. Talk to our team · Compare every tier →

GET STARTED

See it before you subscribe.

The full protocol is live on testnet — evaluate settlement, custody and compliance behaviour before any commercial conversation.

Developer Hub Talk to Our Team View Full Pricing

NOT A COMMERCIAL BANK?

Merchants & Businesses Individuals FSPs & MFIs Governments & Central Banks