AI-Powered Cross-Border QR Infrastructure

One API. Multi-corridor.
QR payments that scale.

Orbiance provides the technology layer that connects QR payment networks across Southeast Asia, the Middle East, Central Asia and North Africa. Banks, fintechs and acquirers integrate once and reach merchants in multiple corridors — without building separate connections to each local scheme.

Get in touch How it works

Built for complexity

Cross-border QR means dealing with local payment schemes, currency conversion, reconciliation and compliance — in every corridor. Orbiance abstracts that complexity into a single technology platform and REST API, so your engineering team integrates once.

  • QR scheme connectivity

    Our platform connects to national and regional QR payment schemes, enabling real-time merchant payments across multiple countries through a single integration.

  • Multi-currency orchestration

    Automated currency conversion and reconciliation across corridors. Our platform handles rate sourcing, spread management and settlement coordination.

  • Compliance tooling

    Built-in AML screening, transaction monitoring and configurable compliance workflows aligned to local regulatory requirements in each destination market.

AI at the core

Cross-border payments generate enormous volumes of heterogeneous data — transaction patterns, FX feeds, compliance signals, partner SLA metrics. We apply machine learning and AI across the stack to make the platform smarter over time.

Intelligent transaction routing

ML models evaluate corridor cost, latency, partner availability and historical success rates in real time, selecting the optimal route for each transaction.

Anomaly detection & fraud scoring

Pattern-based models flag unusual transaction behaviour across corridors, feeding into configurable risk rules that our partners can tune to their own thresholds.

FX rate optimisation

Predictive models ingest multi-source FX data to anticipate short-term rate movements, helping the platform time conversions and reduce spread costs for partners.

Automated compliance workflows

AI-assisted document parsing, sanctions screening and risk scoring accelerate onboarding and ongoing monitoring, reducing manual review time while maintaining regulatory alignment.

Multi-agentic AI architecture

Our platform runs specialised AI agents that collaborate autonomously across the transaction lifecycle. A routing agent evaluates corridor options in real time; a compliance agent screens against sanctions lists and local regulations; a reconciliation agent matches settlement flows and flags discrepancies; and an FX agent monitors rate feeds to optimise conversion timing. These agents share context through a common orchestration layer, enabling complex multi-step decisions — like re-routing a flagged transaction through an alternative corridor while updating compliance status — without manual intervention. The result is faster, more reliable cross-border operations at a fraction of the operational overhead.

Corridors & roadmap

We connect originating markets in Central Asia, the Middle East and North Africa with merchant destinations across Southeast Asia and beyond. UAE-based entity, operational banking.

Destination markets

Thailand — Live Japan — 2026 Vietnam — 2026 Indonesia — Roadmap

Origination regions

Central Asia Middle East North Africa

How it works

Orbiance is a technology platform. We provide the software infrastructure that connects your product to QR payment networks. Payment processing, licensing and fund flows are handled by our licensed partners in each jurisdiction.

  1. 1

    Integrate

    Connect to our REST API. One integration gives you access to every corridor we support — current and future.

  2. 2

    Route

    Our AI-driven routing engine selects the optimal path for each transaction based on cost, speed and availability.

  3. 3

    Settle

    Licensed settlement partners handle fund flows. You receive reconciliation data and settlement reports through the same API.

For banks, fintechs and acquirers

Wallet providers, neobanks and payment platforms that want to offer QR payouts in Southeast Asia and the Middle East without building and maintaining separate integrations to each local scheme.

  • Single API integration — add corridors without re-engineering
  • Technology-only model — no need for us to hold a payment licence
  • Volume-based pricing with early-adopter terms
  • Multilingual support — English and regional languages

Contact sales

Tell us about your use case. We'll get back to you with integration options and commercial terms.