Settling Value.
Connecting Economies.
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01 / PRODUCT

Karvo infrastructure

The operating layer between institutions and financial rails.

Karvo gives each institution a tenant-isolated control plane for creating payment intents, accepting exact terms, selecting valid routes, executing safely, accounting for value, coordinating settlement, and resolving discrepancies.

Operating model / 01

Six domain responsibilities. One correlated financial lifecycle.

Each domain owns its state. Karvo coordinates them through durable commands and events without turning shared infrastructure into financial truth.

Institutional inputAgreed outcome
  1. 01

    Connect

    API edge · institutional identity · REST · ISO 20022 · secure files

  2. 02

    Normalize

    Canonical intent · beneficiary version · exact money · correlation identity

  3. 03

    Decide

    Immutable quote · compliance policy · approvals · route eligibility and score

  4. 04

    Execute

    Authorized execution plan · provider adapter · idempotent command · exact state

  5. 05

    Account & settle

    Balanced journals · obligations · finality evidence · shared commitments

  6. 06

    Reconcile & operate

    Normalized records · discrepancies · safe commands · audit and reporting

Financial primitives / 02

Correctness begins before money moves.

Karvo binds the institution, environment, beneficiary version, economics, approvals, route and command identity before external execution.

01

Tenant authority

Every request carries immutable institution, environment, subject, permission and correlation context.

02

Exact economics

Money uses integer minor units; rates and spreads use exact decimal strings and explicit rounding rules.

03

Immutable terms

A confirmed transfer binds one quote, beneficiary revision, approval policy and execution plan.

04

Append-only history

Posted financial records are never silently rewritten; corrections are explicit reversals or adjustments.

Intelligent routing / 03

Select a complete valid path—not merely a provider.

The routing engine discovers candidate paths, rejects ineligible capabilities, scores complete economics and operating risk, and stores an explanation of the selected execution plan.

PAYMENT INTENTGHS → NGNAmount · beneficiary · method · policy
  1. 01DiscoverBuild complete paths from verified provider capabilities.
  2. 02FilterApply corridor, currency, method, limit, policy and liquidity eligibility.
  3. 03ScoreCompare total cost, FX, time, health, reliability and operational risk.
  4. 04SelectStore the winning execution plan, rejected reasons and policy version.
EXECUTION PLANBest valid routeDeterministic and explainable to authorized operations

Connectivity / 04

Meet institutions where their systems are.

Karvo supports modern APIs and controlled institutional integration patterns through participant-specific adapters and one canonical boundary.

01

REST API

Programmatic transaction initiation, state retrieval, and operational actions.

02

ISO 20022

Structured financial messages mapped into the canonical transaction model.

03

Secure VPN

Private institutional connectivity where network controls require it.

04

SFTP / batch

Controlled file exchange for institutions whose operating environment is not API-native.

05

Webhooks

State and exception notifications delivered to participant systems.

FX and liquidity / 05

Coordinate exact quotes and authorized execution.

Provider terms, Karvo pricing, fees, expiry, rounding and effective customer rate remain separately auditable. Karvo coordinates FX without taking proprietary currency positions.

01Institution
02KarvoCoordinates quote, route and state
03Authorized FX / liquidity provider
04Settlement rail

Financial truth / 06

Operational accounting and shared settlement evidence are different systems.

Karvo uses each system for the job it can prove. The internal ledger records operational financial state; Fabric records minimum shared settlement commitments among permissioned institutions.

SETTLEMENT ENGINEObligation · instruction · finality evidence
OPERATIONAL TRUTH

Karvo double-entry ledger

Balanced, append-only journals represent payments, fees, FX, pending positions, obligations, reversals and adjustments.

No custody claim
SHARED EVIDENCE

Hyperledger Fabric

Permissioned participants record minimal settlement commitments, acknowledgements, proofs, disputes and reversals.

No cryptocurrency · no customer PII
RECONCILIATIONCompare both systems with provider and bank evidence

Karvo Intelligence / 07

Optional analysis stays outside the financial command plane.

Jungle Grid supplies asynchronous compute for redacted, specialized workloads. Core payment, ledger and settlement services remain safe and operational without it.

01

Analyze

Rank reconciliation candidates, detect anomalies and extract structured trade-document data.

02

Explain

Prepare transaction investigations, evidence summaries and operational recommendations.

03

Validate

Treat every model result as untrusted input with version, provenance, confidence and expiry.

04

Authorize deterministically

AI cannot move money, post a journal, resolve compliance, bypass approval or establish finality.

Work with Karvo

Evaluate the Karvo architecture

Tell us where your institution sits in the transaction chain and which corridor or capability you are evaluating.

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