Instant Settlement

Light-Speed Settlement Beyond Borders

Say goodbye to long intermediary waits and unpredictable fees

User A

Sending Bank

Clearing House

Intermediary

Receiving Bank

User B

User A

ICT Ledger

User B

Direct settlement via high-throughput digital ledger (ICT Ledger)

Whether it's a weekend in New York or midnight in Tokyo, funds are instantly available

Near-zero network costs for platform transfers, maximizing value for users

Technical Architecture

Built on distributed financial-grade infrastructure for millisecond-level instant settlement

Distributed ledger technology ensures transaction data consistency and immutability with multi-node redundancy for high availability

Based on atomic transaction models, transfers either complete fully or roll back entirely — eliminating intermediate fund state risks

Automated real-time reconciliation with discrepancy detection, flagging anomalous transactions within seconds

Clean, developer-friendly RESTful APIs — integrate instant transfers with just a few lines of code

POST /api/v1/transfers

{
  "from": "ICT-USER-001",
  "to": "ICT-USER-002",
  "amount": 1000.00,
  "currency": "USD"
}

RESTful APIWebhook CallbacksSDK Support

Purpose-built batch payment and automation solutions for enterprise-scale operations

Import via CSV files or submit through batch APIs — process thousands of transfers in a single operation

Set up recurring payment schedules with automatic execution on a daily, weekly, or monthly basis

Configure flexible multi-tier approval workflows requiring authorized sign-off for high-value transactions

Instantly settle payments with business partners without waiting for bank processing cycles. Funds arrive in seconds.

Employers pay freelancers directly with zero fees. Funds are available immediately upon arrival.

Daily fund transfers between family members across countries. Zero cost, zero wait — as simple as sending a message.