Maximizing Efficiency in Cross-Border Payments Using Decentralized Ledger Technology and Real-Time AI Systems
Introduction Cross‑border payments have long been plagued by high fees, latency, opacity, and regulatory friction. According to the World Bank, the average cost of sending $200 across borders is still around 7 % of the transaction value, and settlement can take anywhere from two days to several weeks. While traditional correspondent banking networks have made incremental improvements—most notably through initiatives like SWIFT gpi—fundamental architectural constraints limit how fast, cheap, and transparent these flows can become. ...