Settle between Australia, New Zealand, the Pacific and the rest of the world — in the rails each side already uses. Minutes, not correspondent-bank days.
Discuss my flowsCross-border payments with stablecoins and virtual assets for people and businesses based in Oceania. Solidus designs the flow, sets the governance, and oversees the operation — execution runs through partners regulated in each jurisdiction. We do not take custody of your funds.
Real-time account-to-account settlement over the New Payments Platform. Send or receive against a PayID instead of chasing a BSB and account number, at any hour — the NPP does not keep banking hours. BSB and account, BPAY and card remain available wherever the other side still prefers them.
Settlement straight into an NZ bank account, including open-banking payment flows where the counterparty's bank supports them. Value moves in NZD on the domestic rails rather than making a detour through an AUD correspondent leg.
Fiji, Samoa, Tonga, Vanuatu and Papua New Guinea. Settlement into local bank accounts, or into the mobile wallets people in the region actually hold — M-PAiSA, Digicel MyCash and equivalents — instead of insisting on an account the recipient does not have.
Where no domestic rail reaches both ends, the stablecoin leg carries the value across and each side touches only its own currency. Conversion happens inside the infrastructure, not inside your cash flow.
The Pacific has been losing correspondent banking relationships for more than a decade. More money is flowing into the region than ever and fewer institutions are willing to carry it. A settlement route that does not depend on a correspondent bank does not care that the correspondent already left.
Sending money from Australia into Pacific states has commonly run in the region of 8–11% of the amount sent, against a global average nearer 6% and a UN target of 3%. On a one-off transfer that is an annoyance. On a recurring flow it compounds into real money.
Oceania closes its banking day while Europe is asleep and the Americas have not opened. Settlement that clears on its own schedule removes a delay that has nothing to do with your counterparty and everything to do with longitude.
There is no international Pix, whatever a remittance app's marketing implies. Brazil's central bank has not opened the arrangement to inbound transfers from abroad, and a foreign account cannot send one.
What actually happens is this: your AUD settles through the stablecoin leg and arrives as BRL in your own Brazilian account — at which point it lands by Pix like any domestic transfer. You keep the CPF, the bank and the Pix key you already have. Rent, family support, a property still being paid down in Brazil: the money shows up in the rail the other side uses every day, instead of a wire they have to go into a branch to claim.
Tuition, family support, an Australian business settling with a mainland manufacturer — these are ordinary flows, and we structure and document them end to end, through partners licensed in each jurisdiction.
They also sit inside China's foreign-exchange regime, and we work within it: the annual individual FX quota administered by SAFE, the reporting that comes with it, and the mainland restrictions on virtual-asset exchange. Where a flow does not fit those rules, we will say so rather than route around them. An arrangement that only works until somebody checks is not protection, and we do not sell it.
How execution is regulated. Solidus does not execute payments and does not take custody of your funds. We design the flow, set the governance and supervise the operation; execution is contracted to a licensed provider selected for the corridor. The standard we hold that provider to is explicit: registration with AUSTRAC as a digital currency exchange provider for an Australian leg, and compliance with the AML/CFT Act 2009 for a New Zealand leg. Choosing and appointing them is part of the engagement, settled before anything moves — not after. Expect identity verification and source-of-funds questions on any meaningful flow; that is the point of using this route rather than another one. Every operation carries a receipt and an on-chain trail, in the format your accountant and the ATO or IRD will want to see. Your tax position is your accountant's call; our job is to hand them records that answer the question the first time.