Tomorrow's payment technology, today

Fast, low-cost, international payment technology for Businesses, Banks and Fintechs.

A yellow pearl moving along a groove which splits into multiple grooves showing multi-rail payment routes.

We’re building new technology to enable innovative cross-border payments for Businesses, Banks and Fintechs.

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for Business

for Banks and Fintechs

Send money to 180+ countries.

Business

Single API, multiple emerging and traditional rails.

API Solution

DANIEL GLOBAL — INTERNATIONAL BUSINESS PAYMENTS

The fastest, lowest-cost, global business payments

Pay international invoices, vendors and employees in 180+ countries and with 37 currencies.

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DANELGlobal dashboard home screen, an artists impression.

Global payments, global benefits

Reduce operational costs

Fast, transparent settlements mean less resources spent tracking them, and less time wasted for your organisation.

Reduce transaction costs

Save on high cross-border bank payment fees and FX rates; exchange currencies at the mid-market rate, every time.

Manage currency volatility

Safeguard procurement budgets by holding balances in multiple currencies with instant intra-wallet exchanges.

Rest assured

Our proprietary AI algorithm finds the best payment route every time, and our Hybrid Multi-Cloud technology ensures ultimate reliability.

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Be first to use our new business payments platform

Get early access to DANIELGlobal, our business payments platform, and help define its features as we build and scale prior to the public beta release.

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Lowest cost

We're striving to build the lowest cost cross-border payment system in the world.

Near-instant settlements

We're adopting the latest technology to radically accelerate settlement times.

Transparency

No hidden fees, no subscriptions, no surprises. Know your total transaction costs upfront, every time.

Real FX rates

Access the real mid-market forex rates without hidden fees, and exhange currencies quickly and reliably.

We put our technology to the test, with great results...

Watch as we put DANIEL's cross-border payments API to the test using two fictional apps emulating a UK- and US-based bank.

0.01% cost

The payment network cost was 0.01% of the transaction value.

3 minutes

The payment took only 3 minutes to settle. This was done without the optimisation, which is expected to improve performance.

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This video was created using a fictional app emulating a US-based bank, and an artist impression of the DANIELGlobal dashboard prototype. Any similarity to real institutions or apps is purely coincidental.

DANIEL API — FOR BANKS AND FINTECHS

A powerful API connecting Financial Institutions to emerging and traditional payment rails, instantly

Building a smarter cross-border payments API for the Banks and Fintechs of the future.

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DANIEL Hybrid Multi-Cloud Super-Network of DLT payment technology API stack

Powerful API features

Simple

Automatically gain access emerging technologies, such as DLT, when available via a single initial integration.

Resilient

Our proprietary Hybrid Multi-Cloud technology enables 100% uptime, and reduces cloud costs and vendor lock-in.

Smart

AI orchestration automatically makes complex decisions for the optimal payment route by speed and cost.

Configurable

Manage fees, FX margin, payment rail business rules and more. Our API enables complete configurability.

Explore our API solution

Our API is packed with proprietary technology

DANIEL is developing a smarter cross-border payments engine built from scratch for the Banks and Fintechs of the future. Our Hybrid Multi-Cloud Super-Network will enable speed, scalability, security and ridiculously low fees through one simple API integration.

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Single API

Access multiple configurable payment rails, both emerging and traditional, with one simple API integration.

Hybrid Multi-Cloud

Never go down — our patent pending Hybrid Multi-Cloud means 100% uptime for you and your customers. Ultimate resilience and portability, cost-effective, and liberates your applications from vendor lock-in.

Revolutionary rails

Automatic access to emerging payment rails as each becomes available via our API — no need to re-integrate.

Proprietary AI

Our smart AI algorithms form an orchestration layer that instantaneously finds the optimal route by speed and cost.

DANIEL's Kubernetes cluster cross-section visualisation in 3D.

Our expert team

About the company

Martin is the Founder of DANIEL. He is currently the CEO of Wealth Management Solutions – a US fund with >$400m AUM, and runs a small-cap private equity fund.

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Martin Hopkins

Chairman

Dave is the Chief Technology Officer of DANIEL, and is also the CEO of Penta.Technology. Previously Head of Technical Design at Barclays, and tech advisor to Starling Bank.

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Dave Perry

CTO

Aneet is our Chief Product Officer and has extensive experience leading product teams at PayPal, Monitise (acquired by IBM and Fiserv), American Express, and Lloyds Bank.

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Aneet Morar

CPO

About the company

Driven by impact

“The poorest end-users pay the highest cross-border payment fees. We’re on a mission to make a difference to their lives, putting money back into the pockets of individuals around the world by partnering with businesses and institutions just like yours.”

— David Daniel, CEO