— A Koraly LLC Platform —

Cross-border payments, calmly engineered.

We move money across forty-five jurisdictions with the discipline of a clearing house and the temperament of an archivist. No theatrics, no surprises on the statement — only the quiet competence that finance teams actually want.

Iowa-domiciled · Audited annually · Funds custodied at FDIC partners

Payout

#PYT-04812

Settled
Value date21 May 2026
CorridorUSD → EUR
Amount€182,440.00
FX cost0.60%
Routed via FrankfurtReconciled

Our four principles

We treat your treasury the way an old bank used to.

Four commitments inform every decision we make about your money — from how it is held, to how it is moved, to how it is reported. We wrote them down so you can hold us to them.

I.Principle I

Stewardship

Funds are custodied at federally insured partner banks, never co-mingled with operating capital. Every dollar of merchant balance is traceable to a specific account, available for review by your auditors at any reasonable hour.

II.Principle II

Clarity

Every fee, every reserve, every reconciliation line lives on a single screen. No quarterly statements that hide interchange spreads. No support tickets to find out where the money is. Read it, export it, audit it.

III.Principle III

Velocity

T+1 settlement is our standard, not our premium tier. Funded merchants in good standing can request T+0 same-day payouts when the operating cycle requires it, with rates that hold regardless of corridor or weekend.

IV.Principle IV

Discretion

Your customer data never leaves the perimeter. We do not resell payment metadata, syndicate spend graphs, or seed advertising networks. PCI scope is minimized at the SDK and the rest is held under contract.

A partner of record

Halberg Maritime Co.

Davenport, Iowa · Established 1974

“We used to call three banks before a Friday close to find out where the Rotterdam payment was. Koraly closed that loop in one quarter. Settlement is next-day, FX is transparent, and the reconciliation file lines up with the general ledger without manual work.”

Ines Halberg

Head of Finance, Halberg Maritime Co.

Twelve-month results

Settlement cycle
11 daysnext day
FX cost
−38%
Reconciliation hours
−72%

Coverage

Coverage you can name a continent on.

United States
Canada
United Kingdom
Germany
Singapore
Australia
Live settlement corridors

Jurisdictions

Currencies

Banking partners

A side-by-side reading

What changes when you leave the legacy stack.

The numbers below are drawn from migration audits across our merchant base. Your mileage will vary by corridor and volume, but the direction is consistent.

Dimension
Legacy processor
Koraly
Onboarding
4–6 weeks
48 hours
Settlement cycle
T+7
T+1 (T+0 on request)
FX markup
~3.0%
0.6%
Reserve policy
20% held / 180 days
8% held / 45 days
Tax compliance
Bring your own
Built-in, 47 jurisdictions
Reporting
CSV, monthly
Realtime API + webhooks
Dispute representation
Self-managed
Done for you

Figures sampled from audits conducted between April 2025 and March 2026. Available on request.

Pricing

0.6% + $0.30

Effective rate for funded merchants. No setup. No monthly minimum. No tiered upcharge for cross-border.

See full pricing

Questions, plainly answered

The things finance teams actually ask us first.

How long does onboarding take?
Most LLCs and corporations clear KYB inside 48 business hours once the document set is complete. We accept the standard articles, beneficial-ownership disclosure, and a bank statement under 90 days old. Complex group structures, regulated industries, and high-risk verticals are handled by a named analyst and may add a few business days.
Do you act as merchant of record?
We do not. Koraly is a payment infrastructure provider, not a reseller. You remain the legal seller of your goods and services, retain control of your customer contracts, and keep your own tax identity. We provide the rails, the reconciliation, and the compliance tooling — you keep the relationship.
What documents do I need for KYB?
For most businesses we need the certificate of formation or incorporation, an EIN letter, a recent operating bank statement, government ID for any beneficial owner holding 25% or more, and a short description of the business model. Regulated activities may require additional licensing. Everything uploads inside the dashboard.
When do funds arrive?
Standard payouts land in your operating account the next business day after capture, typically before 11:00 a.m. local time. Same-day T+0 payouts are available on request for funded merchants and clear within four banking hours. International corridors follow the receiving bank's cutoffs but never extend our window.
Which countries are excluded?
We do not operate in OFAC-sanctioned jurisdictions or in markets where our banking partners cannot maintain settlement accounts. The current excluded list is published in the compliance section of the dashboard and reviewed quarterly. If you sell into a sensitive corridor, contact us before signing — we will tell you plainly.
Conversation, then commitment

Take an introductory call.

Thirty minutes with a member of our onboarding desk — no decks, no pressure, just a quiet look at whether we are the right fit for your treasury.

Mailing address

Koraly LLC · 401 Brady Street, Suite 210 · Davenport, IA 52801 · Iowa, USA