avg fee pressure
6.49%
Legacy Banking
3-7% fees. 3-5 day settlement. MSBs and merchants are critically underserved.
Live in 4 Jurisdictions
Global Payments, Made Easier.
AiraPay is the only regulated payment infrastructure connecting Canada, India, and Brazil with live corridors, 5 licenses, and real-time settlement.
Processed
$0.0B
Licenses
0
Jurisdictions
0
Since
2023
CA <-> INUS <-> INFINTRAC MSBCanada PSPIndia Payment LicensePCI DSS CompliantBaaSStablecoin RailsOTC Desk$1.2B CAD / yearCA <-> INUS <-> INFINTRAC MSBCanada PSPIndia Payment LicensePCI DSS CompliantBaaSStablecoin RailsOTC Desk$1.2B CAD / year
The Problem
Cross-border payments are broken for the corridors that matter most.
settlement delay
3-5 days
Fragmented Licensing
Building regulated fintech across 3+ jurisdictions takes years. Most startups cannot afford it.
corridor volume
$48B
No BaaS for Key Corridors
Canada-India and Brazil are among the world's highest-volume routes. No compliant BaaS provider served them until now.
02 — The Solution
One stack. Four pillars.
Built and licensed in-house.
Not a wrapper. Not an aggregator. Proprietary, regulated infrastructure operating today across North America, South Asia, and LatAm.
Pillar 01
BaaS Core
White-label payment infrastructure. PSP + FINTRAC live. PCI DSS compliant. One API.
Status
Live
Highlight
One API
API
AiraPay
Settlement
Pillar 02
Cross-Border Rails
Proprietary CA-IN and US-IN corridors. 40+ currencies. T+0 roadmap via EverX.
Status
Live
Highlight
40+ FX
API
AiraPay
Settlement
Pillar 03
OTC Settlement
Institutional crypto-fiat OTC. 10+ exchange aggregation, zero slippage, 24/7 desk.
Status
Live
Highlight
24/7 desk
API
AiraPay
Settlement
Pillar 04
LatAm Expansion
Atlas Exchange entering Brazil's $2.4T digital payments market. PIX-connected. H2 2026.
Status
H2 2026
Highlight
PIX-ready
API
AiraPay
Settlement
Traction
AiraPay is live and scaling.
Proof point
$0.0B CAD
Total volume since 2023
Proof point
$0.0B CAD
Annualized processing volume
01
Active licenses
0
02
Jurisdictions
0
03
Live corridors
0
Revenue-generating from day one.
Not pre-revenue
The License Moat
5 licenses. 4 jurisdictions. Years of compliance work already done.
A regulatory footprint that takes most fintechs half a decade to assemble — already live, audited, and operating across North America, South Asia, and LatAm.
5
Licenses
4 jurisdictions
🇨🇦PSP · Bank of Canada
🇨🇦FINTRAC MSB
🇮🇳Payment License
🇧🇷Brazil VASP
🇨🇦EverX PSP
🇨🇦FINTRAC · EverX
5
Active & in-progress licenses
4
Jurisdictions covered
3+
Years of compliance build-out
0
Years for clients to wait
Comparable: BVNK — 1 UK EMI license → acquired by Mastercard for $1.8B (Mar 2026). AIRA holds 5 licenses across 4 jurisdictions.
AIRA Group
The AIRA Group
A coordinated group structure spanning live payment rails, stablecoin settlement, and LatAm expansion.
Anchor Entity
AiraPay
Canada + India
- PSP + FINTRAC infrastructure
- Canada-India corridor
- $3.6B CAD processed
Strategic JV
EverX
Canada
- Stablecoin settlement rails
- T+0 roadmap
- FINTRAC MSB active
Strategic JV
Atlas Exchange
Brazil
- Brazil VASP in progress
- PIX-connected expansion
- LatAm digital payments
/ 06Market Opportunity
The market is here now.
The corridors AiraPay operates sit at the intersection of the largest cross-border, stablecoin, and emerging-market payment flows in the world.
Headline TAM2024 — Live
$150T+
Annual global cross-border flow
Composition% of flow
- Cross-border B2B42%
- Remittance & SMB28%
- Stablecoin settlement18%
- LatAm digital (PIX)12%
02
CA+US -> India corridor
$48B
03
Brazil digital payments by 2027
$2.4T
04
Stablecoin settlement volume (2024)
$500B+
Sources · BIS · McKinsey · World Bank · Chainalysis 2024
Explore the corridorsNow onboarding · Q2 2026
The rails are built.
The window is now.
AiraPay is live, regulated, and scaling. Partner with the only full-stack provider across NA, South Asia, and LatAm.
5 Licenses 4 Jurisdictions $3.6B Processed