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Advanced Payment Solutions

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Advanced Payment
Solutions

Next-generation payment infrastructure for financial institutions navigating the transition to ISO 20022, real-time payments, open banking, and emerging rails including CBDC and embedded finance. Proximo implements and integrates these advanced capabilities alongside existing payment infrastructure.

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Architecture Overview

Advanced Payment Solutions Architecture

Click to expand. The diagram maps the eight pillars of advanced payment infrastructure — ISO 20022, real-time, cross-border, CBDC, open banking, crypto bridge, embedded finance, and AI routing.

Advanced Payment SolutionsNext-generation payment infrastructure for complex environmentsISO 20022Rich data messagingReal-TimeInstant settlementCross-BorderFX & corridorsCBDC ReadyDigital currencyOpen BankingPSD2 / CDR APIsCrypto BridgeStablecoin railsEmbedded FinBaaS platformAI RoutingML optimisationCOREAdvanced payment infrastructure — next-gen rails for APAC
Expand diagram

Platform Capabilities

What the Platform Delivers

ISO 20022 rich data messaging
Real-time and instant payment scheme connectivity
Cross-border payment corridors and FX
CBDC integration readiness
Open banking API platform (PSD2, CDR)
Crypto and stablecoin bridge connectivity
Embedded finance and Banking-as-a-Service (BaaS)
AI-powered transaction routing optimisation
Request to Pay (RtP) scheme support
Overlay services (eInvoicing, eReceipts)
Proxy lookup and alias resolution
Confirmation of payee

Key Features

Built for APAC Requirements

ISO 20022 Migration

Migrate to ISO 20022 rich data messaging with full backward compatibility — supporting SWIFT MX, domestic RTGS, and instant payment scheme requirements across APAC.

Real-Time Payment Connectivity

Connect to domestic instant payment schemes — NPP (Australia), PayNow (Singapore), PromptPay (Thailand), InstaPay (Philippines) — through a single integration layer.

CBDC Readiness

Integrate with central bank digital currency infrastructure as it emerges — with the platform architecture designed to support CBDC alongside existing payment rails.

AI Routing Optimisation

Machine learning models continuously optimise routing decisions based on approval rates, cost, latency, and fraud signals — improving outcomes across all payment channels.

Typical Use Cases

Who Uses This Platform

  • Banks preparing for ISO 20022 migration deadlines
  • Financial institutions connecting to new instant payment schemes
  • Banks building open banking API platforms for PSD2 or CDR compliance
  • Fintechs building next-generation payment infrastructure from scratch
  • Central banks exploring CBDC integration with existing payment systems

Get Started

Ready to Implement?

Proximo's specialists will scope the implementation, manage the vendor relationship, and deliver a production-ready system — configured for your APAC market.

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