How We Achieve Cross-border Capability

NusaPay leverages a sophisticated, yet streamlined, architecture to deliver seamless cross-border payroll and payment capabilities. Our process ensures that digital assets are efficiently converted and delivered to local bank accounts, anywhere in the world.

Our cross-border capability is engineered through a multi-faceted approach, designed for clarity, efficiency, and global reach:

Global Digital Asset Ingestion

The process begins with the Employer initiating payments using stable digital assets such as USDC. This provides a universal entry point, unconstrained by geographical banking limitations.

Intelligent Cross-Chain Routing

For scenarios where the employer's digital assets reside on a different blockchain than our core processing Smart Contract on Core, NusaPay employs robust cross-chain interoperability solutions. Our Payroll Smart Contract can securely route USDC via Hyperlane from an external blockchain to Core. This step is handled seamlessly in the background, abstracting blockchain complexities from the employer.

Localized Digital Asset Representation & Conversion

Once the digital asset (USDC) arrives on Core, it interacts with our Local Currency Smart Contract (e.g., IDRX SC). This smart contract then emits a 'deposit event,' signaling the readiness for conversion and payout.

Off-Chain Integration for Fiat Payout

Our specialized Local Currency Backend/API acts as the crucial bridge to the traditional financial system. This backend constantly monitors the blockchain for conversion and payout signals from the Local Currency Smart Contract. Upon receiving such signals, it triggers an immediate transfer of the corresponding fiat amount (e.g., IDR) from our local banking partners directly into the Employee's Bank account.

Multi-Jurisdictional Scalability

While examples illustrate a particular flow (e.g., for Indonesian Rupiah), NusaPay's architecture is built for global extensibility. The "Local Currency Smart Contract" and "Local Currency Backend/API" components represent a modular design that can be replicated and integrated with local banking infrastructure in numerous other countries. This enables us to support a wide range of local currencies and banking systems, allowing employers to pay employees worldwide through a single, unified platform.

This integrated flow ensures that employers can initiate international payroll efficiently with digital assets, while employees receive their salaries directly in their local bank accounts, bridging the gap between blockchain and traditional finance for global remuneration. Our architecture is designed to be extensible, supporting various local currency representations and banking integrations to scale our cross-border reach.