The Settlement Stack
One API to orchestrate cross-border payments across stablecoin networks, fiat rails, and compliance engines. Atomic by default -- every transaction settles completely or reverts entirely.
Architecture
Multi-Rail Orchestration
Vect intelligently routes payments across the most efficient path. Move USDC on Layer 2, swap to local currency, and push through domestic instant-payment networks -- all in a single API call. The orchestration engine evaluates cost, speed, and compliance requirements to select the optimal route in real time.
// Route a cross-border settlement
const settlement = await vect.settle({
from: { asset: "USDC", network: "arbitrum" },
to: { currency: "BRL", rail: "pix" },
amount: 50000,
recipient: "recipient_id_abc123"
});
// Status: SETTLED | REVERTED (never stuck)
console.log(settlement.status);
// -> "SETTLED"Conditional Pay-outs
Program your treasury with precision. Define conditions that must be met before capital moves -- verified Bills of Lading, signed LOIs, compliance approvals, or time-based locks. Payments execute automatically when all signals resolve, or hold indefinitely until they do.
// Define conditional payout
const payout = await vect.conditionalSettle({
amount: 125000,
currency: "EUR",
conditions: [
{ type: "document", ref: "BOL-2026-0847" },
{ type: "compliance", check: "sanctions" },
{ type: "time_lock", after: "2026-03-01" }
],
on_resolve: { rail: "sepa", recipient: "rec_eu_456" }
});
// Funds held until ALL conditions metEmbedded Compliance
Every transaction through Vect passes through a real-time global compliance engine. Sanctions screening, KYC verification, and jurisdiction-specific regulations are checked automatically before settlement. No separate compliance integration needed -- it's built into the rail.
// Compliance is automatic, but queryable
const check = await vect.compliance.verify({
transaction_id: "txn_abc123",
recipient: "rec_br_789"
});
console.log(check);
// {
// sanctions: "CLEAR",
// kyc: "VERIFIED",
// jurisdiction: "BR",
// risk_score: 12,
// cleared_at: "2026-02-25T10:30:00Z"
// }Liquidity Virtualization
Maintain one stablecoin treasury instead of 20 local bank accounts. Vect virtualizes liquidity across jurisdictions -- your single USDC balance becomes local currency at the point of settlement. No pre-funding, no idle capital trapped in foreign accounts.
// Query virtualized liquidity
const treasury = await vect.treasury.balance();
console.log(treasury);
// {
// base: { asset: "USDC", amount: 2450000 },
// virtual: [
// { currency: "BRL", available: 12250000 },
// { currency: "EUR", available: 2205000 },
// { currency: "INR", available: 204750000 },
// { currency: "GBP", available: 1960000 }
// ]
// }