New Instant settlement live across 38 networks

The routing layer for
global value movement

One API to move money across banks, EMIs, and payout networks — Needle finds the optimal path for every transfer and settles in milliseconds.

See how it works
SOC 2 Type II PCI DSS 99.99% uptime API-first integration
Infrastructure capabilities

Infrastructure that thinks about the path

Every transfer is a routing problem. Needle solves it per-transaction — evaluating cost, speed, reliability, and compliance in real time.

Smart routing

The engine evaluates every connected rail per transfer and selects the optimal path automatically — no manual configuration.

Instant settlement

Median settlement under 150ms across instant rails, with deterministic fallbacks when a network degrades or a corridor becomes unavailable.

140+ corridors

SEPA Instant, FedNow, PIX, NIP, and more — one integration that spans every corridor your customers need across 60+ countries.

Compliance by default

SOC 2 Type II and PCI DSS. AML screening, OFAC sanctions, and per-corridor compliance controls are evaluated before any route is committed.

Liquidity blending

Source the best rate across connected liquidity providers. Needle blends automatically at the moment of routing for optimal execution.

Real-time observability

Every path, latency, and fee is visible in the console and streamed to your systems via webhooks. Full audit trail for every decision.

Developers

One API.
Every rail.

Create a transfer and let the engine resolve the route. No correspondent banking spaghetti, no per-network integrations, no manual routing tables to maintain.

Route in a single function call
Webhooks for every status change
Idempotent, retryable by design
Read the docs
transfer.ts 
import { Needle } from "@needle/sdk";

const needle = new Needle(process.env.NEEDLE_KEY);

// Needle selects the optimal path automatically.
const transfer = await needle.transfers.create({
  amount:       12_400_00,
  currency:     "USD",
  destination: { currency: "EUR" },
  policy: {
    max_cost:    "0.5%",
    max_latency: "4h",
  },
});

// Results
transfer.route;    // "SEPA Instant — Corridor A"
transfer.fee;      // "0.18%"
transfer.status;   // "settled" in 138ms
Route evaluation — live
01 Corridor Direct · NGN/USD 9.4 Best
02 SWIFT GPI · USD/USD 7.2
03 FX Bridge · USD/EUR 6.1
04 Stablecoin Rail · USDT 5.5
2.1s Settlement
0.31% Total cost
7 Routes evaluated
Decision intelligence

The engine scores every route before you commit a single dollar

01

Universal route discovery

Aggregates live capability data from every participant — banks, EMIs, FX desks, liquidity providers — into a single routing table updated in real time.

02

Multi-factor scoring

Each route is scored across cost, speed, reliability, and FX efficiency simultaneously — weighted against your policy and corridor targets.

03

Continuous learning

Each settled transaction feeds back into the scoring model. Routes that underperform degrade in rank. The network gets smarter with volume.

The routing cycle

Four stages. One optimal outcome.

Every transaction passes through the evaluation engine before a single byte of value is committed.

Routing request
Amount$50,000.00
Currency pairUSD → NGN
Settlement SLA≤ 4 hours
Cost ceiling≤ 0.5%
ComplianceAML · OFAC
StatusQueued ›
Live network

140+ corridors. One routing layer.

Every node is a financial institution. Every edge is a live corridor. Needle routes through the highest-performing path in real time.

Network participants
0+
Banks, EMIs, FX, Liquidity
Active corridors
0+
Across 60+ countries
Avg. cost reduction
0%
vs. correspondent baseline
Evaluation time
0ms
Median p50 latency
Join the network

Become a routing participant

Banks, EMIs, FX providers, and liquidity desks that join Needle gain access to the full network — with transparent routing, performance analytics, and new counterparty relationships.

Live visibility

See exactly how your corridors are performing in real time — fill rates, settlement speeds, cost efficiency — against the broader network.

New flow access

Needle directs optimized flow to best-performing participants. Your corridors are evaluated for every matching transaction across the network.

API-native

Connect in days, not months. Our partner API is designed around your existing systems — minimal integration surface, maximum network reach.

Compliance included

Every routing decision includes embedded compliance checks. AML, OFAC, and corridor requirements are enforced before value is committed.

Network participant types

Commercial Banks E-Money Institutions FX Providers Liquidity Desks Treasury Operations Payment Processors Stablecoin Issuers Correspondent Networks

Ready to route smarter?

Join the institutions already using Needle to route value across 140+ corridors with real-time routing intelligence.