GHS and NGN.
One complete operating model.
Ghana–Nigeria is Karvo's first deployment scope: bank-led institutional transfers with exact FX terms, governed approvals, explainable routes, non-custodial accounting, settlement evidence and reconciliation.
Initial corridor
Institution ↔ Karvo ↔ InstitutionBidirectional operating modelCorridor operating model / 01
Configure once. Preserve every financial boundary.
Institution
Tenant-scoped bank identity, machine credentials, users, permissions and maker-checker authority.
Economics
GHS source and NGN destination amounts, exact decimal rates, itemized fees, expiry and immutable quote acceptance.
Routing
Complete candidate paths filtered by provider capability, corridor, currency, amount, policy, liquidity and health.
Execution
Idempotent bank-provider commands that distinguish accepted, rejected and unknown outcomes.
Accounting
Currency-balanced double-entry journals representing pending, provider, fee, FX and settlement positions without custody.
Settlement
Gross obligations by default, with bilateral netting only under an approved agreement and matched eligibility rules.
Reconciliation
Deterministic matching across Karvo, bank, provider, settlement and Fabric evidence, with owned discrepancy cases.
Network expansion / 02
Learn locally.
Standardize carefully.
Connect continentally.
The common orchestration layer expands corridor by corridor according to participant agreements, regulatory requirements, liquidity conditions, and operational readiness.
Work with Karvo
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