Unified National Remittance Gateway (URG): A Unified National Remittance Gateway is a secure, sovereign financial infrastructure that provides one standardized API for global Money Transfer Operators (MTOs) to access all banks and mobile money wallets within a country, built on or fully integrated with the national payment switch, enabling real-time settlement, shared KYC, and full regulatory visibility, under IMF / World Bank–grade governance standards.
The Gateway is:
Integrated with or built directly on the National Payment Switch, ensuring interoperability across the entire financial ecosystem
Capable of real-time transaction processing and settlement
Supported by shared and interoperable KYC / AML infrastructure, reducing duplication and fraud
Designed for end-to-end data visibility, enabling regulators and central banks to monitor flows, volumes, FX spreads, and risks in real time
Governed under international best-practice frameworks aligned with IMF, World Bank, FATF, and BIS standards
