RTGS.global is a closed network for cross-border settlement between regulated financial institutions. Banks and licensed payment and money transfer institutions use it to settle cross-border trades and payments in seconds, around the clock, through one API.
Figures and currency list as published by RTGS.global.
Who can participate
A closed network for regulated institutions.
RTGS.global is infrastructure between financial institutions. It is not a payment, remittance or foreign-exchange service for individuals or businesses, and Softcom does not offer one.
01Onboarded participants only. Only institutions that RTGS.global onboards and identifies can connect, and only recognised participants can transact on the network.
02Licensed institutions. Participants are banks and licensed payment, remittance or money transfer institutions, acting within the permissions of their licence.
03The regulator’s rules come first. Every participant remains subject to its own regulator. For Nigerian institutions, Central Bank of Nigeria licensing, foreign-exchange and remittance rules apply to every corridor and service.
04Funds stay with licensed Funds Controllers. Licensed banks and money transfer operators hold the accounts, screen payments and are the record of final settlement. RTGS.global coordinates the instructions. Softcom provides technology and integration, and never holds, moves or settles funds.
Access for regulated institutions.
Two services, one network
Settle the trade. Deliver the payment.
One connection gives access to linked foreign-exchange settlement between institutions and to single-currency payments to beneficiaries abroad. Every step reports its status in messages based on the ISO 20022 standard, carried as JSON.
Service 01: Link and Settle
Linked FX settlement
After two participants agree an FX trade, each submits its leg with a shared link identifier. RTGS.global links the two requests, and the Funds Controllers holding the accounts settle both currencies.
If funds are shortThe request waits in a retry queue until the account is funded or both sides cancel.
Service 02: Payaway
Cross-border customer payments
Send a single-currency payment to a beneficiary abroad. RTGS.global validates and forwards the instruction to a Funds Controller on the network, which screens it, debits the account and delivers the payment onward.
Also on the networkReal-time FX quotes, network account funding and defunding, balances, and payment status reports.
Where value can move
Currencies on the network.
RTGS.global lists 45+ live currencies, thirteen of them African. A listed currency is not an open corridor for every participant: what an institution can use depends on its licence, its Funds Controllers and its regulator.
Africa (13)
UGXETBTZSDZDEGPXAFXOFNGNKESZARMADGHSTND
Europe (10)
DKKEURGBPNOKHUFRONPLNSEKCZKCHF
Americas (9)
USDBRLCADMXNARSCLPCOPPENUYU
Asia (6)
JPYPHPHKDTRYSGDMNT
Central Asia (5)
TJSUZSKZTKGSTMT
Middle East (1)
AED
Oceania (2)
AUDNZD
Currency list as published by RTGS.global. Each country's Central Bank rules apply on foreign exchange and remittances.
Why it matters
Less waiting, less risk, more control.
Settlement in seconds
Cross-border trades settle as fast as domestic ones, without waiting on a chain of intermediaries.
Always available
Open 24 hours a day, 365 days a year. No time-zone cut-offs and no bank-holiday delays.
Lower settlement risk
Both legs of an agreed trade are linked, and a short-funded request waits rather than settling one side. Status is visible at every step.
Control of liquidity
Network balances update in real time, and one integration replaces many bilateral relationships to manage.
Built for shorter chains and payment-versus-payment settlement — G20 Roadmap, CPMI guidance and the FX Global Code.
Getting connected
Three phases to go live.
RTGS.global runs a structured integration journey with a technical sign-off before each step forward. Softcom works alongside your teams at every phase.
Phase 1: Emulator
Core integration
Run the full-fidelity emulator locally or hosted
Sign requests with the Signing API (ED25519)
Handle synchronous responses and webhook events
Softcom's roleMap your payment and treasury systems to the API and build the integration
Technical sign-off
Phase 2: RTGS.global sandbox
Sandbox integration
Live network connection
Participant entity and accounts with your chosen Funds Controller
End-to-end tests for each service you will use
Softcom's roleRun the test plan with your operations team and prepare sign-off evidence
Technical sign-off
Phase 3: RTGS.global production
Production
Confirm Funds Controllers and jurisdictions
Onboard accounts and Funds Controller relationships
Final validation and go-live
Softcom's roleCoordinate compliance prerequisites, operating responsibilities and day-one support
Live
Global rails, local expertise
RTGS.global’s network. Softcom’s local implementation.
RTGS.global brings
The settlement network
01Real-time gross settlement across 45+ currencies, 24/7/365
02Link and Settle, Payaway, FX quotes and real-time balances through one API or a web interface
03Licensed Funds Controllers that hold participant accounts, ISO 20022-based messaging and an emulator-to-production integration path
Softcom brings
Technology and integration, not payments
01Define the use case: corridors, counterparties, and whether you need FX settlement, customer payments or both
02Integrate core banking, treasury and payment systems, then validate through the emulator and sandbox
03Prepare for operation: onboarding, operating responsibilities, compliance prerequisites and local support. Softcom never holds, moves or settles funds.
Who it is for
Built for regulated financial institutions.
Licensed banks
Settle FX trades with counterparties abroad and offer customers faster cross-border payments, within the bank’s licence and foreign-exchange permissions.
Licensed payment service providers
Add cross-border settlement through one API, where the provider’s licence and its regulator permit cross-border activity.
Licensed money transfer operators
Settle approved corridors in seconds rather than days, with real-time status at each step.
For regulated institutions
Where does your institution need to move value?
Tell us about your institution’s licence, the corridors you are authorised to serve, the services you need and how your systems work today. We will map the route from emulator to production with you.