Questions, answered.

Transio is the money layer for travel's hardest routes. The travel industry makes the world bookable; Transio makes it payable — configured corridors that move money across borders without SWIFT, settling in minutes instead of days, with travel-grade logic on top: netting, smart guarantee, escrow and an end-to-end auditable record. Live in pilot between Kenya and Europe.

A corridor is a single path assembled from licensed parts: a local on-ramp, a regulated USD or EUR stablecoin (or a licensed fiat rail where stablecoins aren't legal), and a local off-ramp. Value moves across it in minutes. Money only ever moves between licensed institutions, and Transio never holds funds.

Transio itself is a technology company, not a bank or a payment institution — and it never holds your money. Every regulated step is performed by licensed institutions: on/off-ramps, e-money institutions and virtual-asset providers, with KYC/KYB at both ends. Transio orchestrates them and keeps the auditable record of every transaction.

No. Stablecoins are plumbing the guest never sees. You get paid to a bank account or mobile money, in familiar currency; your guest pays the way they always have, and never pays more.

As close to the cost of moving the money as each route allows. On Kenya–Europe we target roughly half the all-in cost of a SWIFT transfer, which typically runs 3.5% or more — the exact figure varies by route, and we show it before anything moves. For small suppliers it's 0% commission: Transio earns a small, disclosed FX spread that is still cheaper than a bank or gateway, so the guest never pays more.

Kenya–Europe is live in pilot; the reverse direction, Europe to Kenya, runs on the same rails. Morocco is in activation as a fiat corridor. New corridors open through Advisory — including US–Europe commission settlement, which can run on payment rails that already exist.

The settlement rail is live in pilot on Kenya–Europe. The payment-operations dashboard is being built now, shaped by early partners. Commission settlement — smart guarantee, netting — is in build on the same rails. Advisory is active today. We'd rather tell you exactly where each piece stands than oversell a screenshot.

You can open an account with one today — and you'll have a cheaper pipe with nobody sending money through it. A transfer service moves a payment; it doesn't know which booking it belongs to, which commissions were deducted, who still owes whom, or when a guarantee should release. Transio's product is everything around the pipe: reconciliation against bookings, guarantees and netting, and a record both sides can read. The pipe is interchangeable; the settlement layer is the point.

At every step, one of two parties — and never Transio. Either a licensed institution holds it in an account in your name or your counterparty's, or it sits as regulated digital dollars or euros in a wallet only you control: fully liquid, still yours, and released only when you decide. Control without the waiting is the point.

Nothing. Your funds are never with Transio — they sit with licensed institutions or in wallets you control, at every moment. If Transio vanished mid-transfer, the money would be exactly where the last authorised step put it, with a full record of it.

Corridors is the settlement rail, where every mechanism (netting, smart guarantee, escrow, auditability) is defined. Dashboard is the payment-operations product small suppliers run day to day. Advisory opens corridors that fit no standard rail, for travel and non-travel businesses alike.

Built for travel first, because travel is the hardest place to settle. The rails underneath were never travel-specific: the same licensed, programmable settlement serves other cross-border flows too, including trade corridors.

Commissions are secured with a smart guarantee — authorised when the booking is made, settled when it is due — with progressive trust that shrinks the upfront ask as a supplier relationship proves out. What you have earned is backed before a dispute can start. (Commission settlement is in build; the rail it runs on is live in pilot.)

Every commission carries an immutable, end-to-end record tied to its booking — the reconciliation both sides can read, so the argument simply ends.

Yes. Settlement clears in minutes on a small, transparent spread that beats the wires and gateways you use today. For scale, there is enterprise SaaS or a custom arrangement.

Yes. When cross-border settlement is cheap and secured, suppliers that were uneconomic to onboard become inventory you can actually source — the payment no longer costs more than the margin. You make the long tail bookable; Transio makes it payable.

Yes. Advisory exists for exactly this: a real counterparty in a jurisdiction your bank can't serve — paying suppliers, collecting revenue, repatriating funds. Travel is where we built the method; the corridors were never travel-specific.

Research, then provider due diligence, then activation, then supervised first transfers — with a clear go/no-go answer before you commit to anything. Pricing is benchmarked on your own transactions and disclosed line by line: what is the market, and what is us.

Two ways. Embed Transio — plug into corridors that already settle. Or power a new corridor — bring your licences and liquidity in a market we don't serve yet, get vetted into the provider network, and we bring the travel use case and the demand.

Transio never possesses funds: custody and execution sit entirely with licensed institutions, and every movement follows rules the account holder has authorised. Where clients want it, release stays a human act — funds move only when the account holder presses the button. Transio supplies the orchestration: positions, timing, and the auditable record, as a technology provider.

Your regulated on/off-ramp, EMI or VASP rails. We supply the travel business logic, the programmability and the demand to route across them.