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Why Corrio

We built Corrio after living the problem ourselves

The team behind Corrio has executed hundreds of international payments through traditional banks and payment agents in real-world commodity businesses, including metals trading. We know the delays, uncertain pricing, fragmented counterparties, document requests and failed payment paths from the customer side.

See how we build corridors

Before Corrio

One payment.
Multiple handoffs.

Company

Payment instruction

Instruction sent
Bank A

Funding bank · cut-off can delay the payment

HoursBank cut-off
Agent / correspondent

Intermediary handoff · additional review

DaysManual documents
Bank B

Destination bank · arrival timing can vary

Hours or daysUncertain arrival
Supplier

Payment received · goods released

Payment received

Delays are illustrative and vary by payment and provider.

The business impact

FX spreadReturned paymentsTrapped working capital

Origin story

Cross-border payments were an operating problem before they became our product

In commodity and metals trading, a payment can decide whether a shipment moves, a supplier releases goods, or working capital stays trapped for another day. Our team spent years coordinating payments through banks and payment agents — comparing routes, preparing documents, resolving delays and finding alternatives.

Two commodity trading colleagues reviewing shipment paperwork beside a metals warehouse.
BEFORE CORRIO · OPERATING LOOP
  1. Compare routes

    Price, timing and likelihood of execution

  2. Prepare documents

    Purpose, beneficiary and supporting files

  3. Monitor exceptions

    Cut-offs, manual reviews and delays

  4. Find an alternative

    When the preferred path stops working

Too many intermediaries

Every additional counterparty adds delay and uncertainty.

Price is not the whole cost

FX, fees, capital lock-up and failed-payment handling matter together.

Documentation decides execution

Beneficiary, purpose and supporting documents can determine whether a route works.

A corridor can change overnight

Liquidity, cut-offs, risk appetite and partner availability change.

What we learned

The best payment is not simply the cheapest route

Compliance fit comes first: client, legal entity, corridor, funding and transaction flow. Eligible routes are then compared by delivered cost, speed, execution certainty and operational effort. Optimising one dimension while ignoring the others creates a route that looks good on paper and fails in practice.

Compliance fit

Establish the permitted payment flow before comparing execution options.

Compare eligible routes

Price

Total delivered cost, not just headline FX

Speed

Expected time to complete the entire payment

Execution certainty

Likelihood of completion without rejection or rerouting

OutcomeBest execution

Subject to regulatory eligibility, liquidity and corridor conditions.

Our strategy

Depth First vs Breadth First

Depth First builds choice and execution resilience across liquidity, payout, banking, compliance and fallback. The focus is the infrastructure behind each corridor.

DEPTH FIRST MODELDepth First
Selected corridor
10+

Liquidity partners / Corridor

4+

Payout partners / Corridor

Route health · fallback · corridor knowledge
  • Deep execution options
  • Multiple eligible options
  • Fallback and route health
  • Corridor-specific operations
VS
BREADTH FIRST MODELBreadth First

Hundreds of countries · Dozens of currencies

AED · USD · INR · PHP · CNY · GBP · EUR · SGD · JPY · SAR · CAD · AUD
1–2Liquidity partners / Corridor
1Payout partner / Corridor
  • Many markets
  • One or two providers per market
  • Limited fallback
  • Generic economics

Illustrative comparison of breadth-first and depth-first approaches. Partner counts describe the target model, not Corrio’s current signed network.

What “deep corridor” means

A corridor is a stack, not a line on a map

Before Corrio treats a corridor as mature, the route must be understood and reinforced across the full payment lifecycle.

ENTRY

Banking & funding

Eligible ways to fund the payment and move fiat into the execution stack.

MARKET

Liquidity providers

Multiple eligible sources with different economics and limits.

MIDDLE MILE

Settlement options

Approved assets, networks and counterparties appropriate to the route.

DESTINATION

Local payout partners

Institutions able to deliver the beneficiary leg reliably.

ELIGIBILITY

Compliance knowledge

Purpose, documents, beneficiary and transaction requirements.

OPERATIONS

Fallback & reconciliation

Alternatives and exception handling when the preferred path cannot execute.

Execution aggregator

One Corrio decision layer. Multiple ways to execute

Banks, liquidity providers and payout partners connect to the same decision layer. Corrio compares eligible combinations across the payment flow.

Compliance fit first

Client, entity, corridor and transaction eligibility before route comparison.

Banking

Banking partner 1 SelectedBanking partner 2Banking partner 3

Liquidity / settlement

Liquidity provider 1Liquidity provider 2 SelectedSettlement route

Local payout

Payout partner 1Payout partner 2 SelectedPayout partner 3
Corrio Execution LayerDelivered cost · Speed · Execution quality

Compares eligible options and selects one end-to-end route. Selection shown is illustrative.

BeneficiaryLocal payout and reconciliation

Best Execution demo

Best execution at the current moment. The next available route when conditions change

Liquidity, capacity, FX pricing, operating hours and compliance eligibility change throughout the day. Compliance fit is always the first filter. Select a client priority to compare illustrative routes. Percentages are examples, not Corrio performance metrics or SLAs.

SELECTEDROUTE A

Eligible route A

Delivered cost
Lower delivered cost
Speed
Next available
Execution certainty
99.8% · illustrative
Fallback
Standard
ROUTE B

Eligible route B

Delivered cost
Standard delivered cost
Speed
Current moment
Execution certainty
99.5% · illustrative
Fallback
Limited
ROUTE C

Eligible route C

Delivered cost
Slightly higher cost
Speed
Next available
Execution certainty
99.8% · illustrative
Fallback
Available
WHY SELECTED

Route A offers the strongest balanced trade-off across delivered cost, speed and execution certainty among the eligible options.

Network expansion

We add a corridor only when the infrastructure is deep enough

New markets are not added because a provider exposes an endpoint. Corrio expands after the regulatory path, partner stack, liquidity, payout logic, documents, exceptions and fallback model have been mapped and tested.

  1. 01

    Client demand

    Real flows, ticket sizes and use cases

  2. 02

    Regulatory mapping

    Who can contract, fund, settle and pay out

  3. 03

    Partner aggregation

    Banks, LPs, settlement and payout

  4. 04

    Corridor logic

    Documents, rules, limits and eligibility

  5. 05

    Testing & exceptions

    Normal and failure scenarios

  6. 06

    Controlled rollout

    Scale after repeatable execution

The team

Built by operators who understand both the payment and the business behind it

Corrio brings together experience from international commerce, financial services, compliance and payment technology. A corridor only works when the commercial need, regulatory path and technical execution fit together.

Laimonas Zmuidinavicius

Laimonas Zmuidinavicius

Co-founder & CEO, Corrio
Former CEO of one of Lithuania’s largest electronic money institutions, with experience in regulated payments and international transfers.

€5bn+
Annual payment volume at the Lithuanian EMI

View LinkedIn profile
ORIGIN PROOF

International Commerce

Hundreds of cross-border payments executed through banks and payment agents in commodity and metals trading.

FINANCIAL INFRASTRUCTURE

Payments & Banking

Understanding funding paths, counterparties, settlement constraints and operating reality.

REGULATED FLOWS

Compliance

Client, corridor and transaction eligibility designed into the operating model.

EXECUTION SYSTEM

Technology

API, routing, state management and reconciliation shaped around one payment lifecycle.

Our principle

Complexity belongs underneath the product, not on the client’s desk

The client should not have to compare banks, liquidity providers, settlement venues and payout partners for every payment. Corrio absorbs that complexity and exposes one clear execution layer.

What the market looks like

  • Bank A · Bank B
  • LP A · LP B · LP C
  • Settlement 1 · 2
  • Payout A · B

One access point

Corrio
Policy · Route · Execute

What the client sees

Dashboard or API
  • Quote
  • Execute
  • Track
  • Reconcile

Current focus

GCC Asia first

Corrio starts where cross-border trade, remittance infrastructure and fragmented payment routes create a strong need for better execution. We are building from the UAE into selected Asian markets, then adding GCC origins and new destinations only when corridor depth is ready.

Explore the Corrio Network
Anchor marketUAENetwork origin
First focusIndiaInstitutional payments
Payouts & remittancePhilippinesClient flow focus
Trade & suppliersChinaClient flow focus
Two business professionals reviewing a payment plan together on a tablet.

Talk to Corrio

If the corridor matters to your business, execution should not be generic

Tell us where you move money, how you fund today and what fails in the current process. We use real client demand to shape the corridors we build and the execution options we add.

Explore the network
Exchange houses · Fintechs & PSPs · Brokers · Businesses & trading companies · Funds & family offices

Talk to Corrio

Let’s talk about your payment flow

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