Global Payment Collection
Global Payouts
Ledgers
Multi Currency Accounts
Escrow AccountsReady to Scale Your Cross-Border Lending Operations?
Decentro enables lenders, fintechs, and credit platforms to run global lending programs with speed, compliance, and control.
Why Decentro
Built for Global Lending at Scale — Across Borders, Banks & Borrowers
Unified Global Loan Disbursements
Disburse loans to borrowers across 170+ countries using local and international rails. Support instant, scheduled, and milestone-based disbursements with full visibility.
Multi-Currency Lending Wallets
Hold, convert, and manage 30+ currencies in a single treasury layer. Optimise FX timing and eliminate the need for multiple foreign bank accounts.
Automated Repayments & Collections
Collect EMIs, bullet repayments, interest, and fees via local payment methods, auto-debits, and global rails, all mapped directly to loan accounts.
How Cross-Border Lending Flows Work
Lender / NBFC / Fintech
(Initiates Loan)
Global Treasury Account
(Collect • Hold • Fund)
Multi-Currency Wallet
(Hold / Convert • FX Optimisation)
Borrower Disbursement & Repayments
(Local Rails • EMIs • Fees • Interest)
Reconciliation & Reporting
(Loan ID • LMS • Ledger • Compliance)
FX Transparency & Cost Predictability
Built for Lenders Managing Currency Risk at Scale
Preview real-time FX rates across supported corridors
Simulate loan disbursements and repayments in multiple currencies
Understand spread impact, conversion timing, and net settlement values
Make informed decisions on when to convert, hold, or settle funds
Use Cases
Global Digital Lending Platforms
Launch and scale lending products across geographies with localised disbursements, repayment rails, FX handling, and centralised treasury control.
Cross-Border SME & Trade Finance
Enable working capital loans, invoice financing, and trade-linked credit with milestone-based disbursements and repayment automation.
BNPL & Embedded Credit Providers
Offer cross-border BNPL and short-term credit for global commerce with seamless borrower collections and merchant settlements.
Remittance-Backed & Diaspora Lending
Support diaspora-focused lending products that span multiple countries and currencies, serving borrowers and repayment sources across different regions.
Education & Study-Abroad Financing
Disburse tuition and living expense loans globally while collecting repayments from borrowers or sponsors across regions.
Marketplace & Seller Financing
Power seller and merchant financing for global marketplaces with automated loan disbursements, sales-linked repayments, commission net-offs, and real-time reconciliation.
Proven At Scale
Global
Lending Rails
Disburse and collect across 170+ countries using a single API that covers banks, wallets, and local payment methods.
Multi-Currency
Efficiency
Hold and convert 30+ currencies, reduce FX leakage, and maintain predictable repayment and settlement cycles.
Optimised Capital
Utilisation
Faster disbursements, automated collections, and real-time visibility into outstanding principal and repayments.
End-to-End
Loan Automation
From disbursement to final repayment, every transaction is linked to loan logic, schedules, and borrower profiles.
Intelligent
Reconciliation
Auto-map payments to loan IDs, EMIs, interest components, fees, and penalties, thereby reducing ops effort by up to 90%.
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Reliable, Predictable
Settlements
Multi-bank, multi-rail architecture ensures high uptime and consistent lending operations even during outages.
Frequently Asked Questions
How does Decentro support cross-border loan disbursements?
Through multi-currency accounts and global payout rails, enabling local disbursements in 170+ countries.
Can EMI and repayment collections be automated?
Is this suitable for regulated lenders and NBFCs?
What is the integration timeline?
How do you handle FX (rate sourcing, spreads, timing, rate locks)?
Can we reconcile transactions to loan IDs / LMS / ledger via webhooks?
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Global Payment Collections
Collect EMIs, bullet repayments, interest, and fees via local payment methods, auto-debits, and global rails, all mapped directly to loan accounts.
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Instant Payouts
Disburse loans to borrowers across 170+ countries using local and international rails. Support instant, scheduled, and milestone-based disbursements with full visibility.