INFRASTRUCTURE V1.0

BREAK
THE BARRIER

Cross-border payment infrastructure for builders. Instant, FX-optimized, compliance-aware settlement.

TOTEM @ALEX.RIVERA
TOTAL BALANCE $24,500.00
SEND
REQUEST
RECENT ACTIVITY
To Sarah (London) -$500.00
From Dev Team +$2,000.00
SYSTEM ARCHITECTURE

THE FLOW OF VALUE

01

LOCAL INPUT

User deposits NGN, BRL, or TRY via local bank transfer or mobile money. No international wires.

02

TOTEM CORE

Funds are instantly tokenized and routed through Mandara Capital liquidity pools. Zero-spread exchange.

03

GLOBAL OUTPUT

Recipient withdraws USD, EUR, or Stablecoin instantly. Final settlement in seconds.

LEGACY BANKING

  • SWIFT Network (3-5 Days)
  • High FX Fees (3-8%)
  • Region Locked

TOTEM PROTOCOL

  • Instant Settlement
  • Optimized FX Rates
  • Global Compliance
ACTIVE ZONES

AFRICA

  • Nigeria (NGN)
  • South Africa (ZAR)
  • Ghana (GHS)
  • Kenya (KES)
  • Tanzania (TZS)

AMERICAS

  • Brazil (BRL)
  • Colombia (COP)
  • Argentina (ARS)
  • El Salvador (USD)

ASIA & ME

  • Singapore (SGD)
  • Indonesia (IDR)
  • UAE (AED)
  • Turkey (TRY)
FOR DEVELOPERS

BUILT FOR BUILDERS

One API key to move money between 100+ countries. Embed global payments into your product in afternoon.

const transfer = await totem.send({
  from: "acct_singapore",
  to: "acct_indonesia",
  amount: 50000,
  currency: "IDR",
  settlement: "instant"
});

// Response:
{ status: "settled", time: "0.4s" }
INTERACTIVE DEMO

SPEED IS TRUST

Simulating: $1,000 sent from Lagos → London.

TIME

3 DAYS
30 SEC

FEES

$45.00
$4.00
RECIPIENT
AMOUNT
SENDING TO SARAH
$1000
→
SLIDE TO TRANSFER

SENT

CARRY THE TOTEM

•••• •••• •••• 9042
ALEX RIVERA VISA
INFRASTRUCTURE POWERED BY MALLY PAY