Justransform
Vertical Capability Pack

Banking & Payments

SAIL is the orchestration and integration layer around payment rails — not a replacement for them. We work natively in ISO 20022 and across the major rails (SWIFT / CBPR+, SEPA, ACH, BACS, CHAPS, Fedwire, RTP, FedNow, Open Banking), handling repair, exception, reconciliation and sanctions hand-off with dual control and full payment lineage.

Supported technologies

We speak the Banking & Payments stack.

Representative, not exhaustive — enough to show we know the vertical and have run it in production.

Standards & transactions

ISO 20022 (pain / pacs / camt)SWIFT / CBPR+SEPAACHBACSCHAPSFedwireCHIPSRTPFedNowOpen Banking / PSD2

Connectors & systems

Core bankingLicensed payment railsSanctions / AML / fraud enginesReconciliation & nostroStructured-remittance validation
Pack accelerators

What you can build.

Payment orchestration
ISO 20022 remediation workbench
Repair & exception console
Reconciliation & nostro
Sanctions / AML hand-off
Corporate-payment portal
Canonical model

The objects we govern.

Define each once; every message becomes a governed, queryable, replayable, auditable record.

PaymentPaymentInstructionPartyAccountBankBeneficiaryDebtorCreditorMandateRemittanceSettlementFXFeeSanctionsCheckAMLAlert
Scope · Orchestration only — never replaces licensed rails, core banking or sanctions engines. Zero AI in the payment path.
Begin

See Banking & Payments generated.