avg fee pressure
6.49%
Legacy Banking
3-7% fees. 3-5 day settlement. MSBs and merchants are critically underserved.
Live in 2 Jurisdictions
Global Payments, Made Easier.
AiraPay is the only regulated payment infrastructure connecting Canada and India with live corridors, 3 licenses, and real-time settlement.
Processed
$0.0B
Licenses
0
Jurisdictions
0
Launched
May 2026
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 is among the world's highest-volume routes. No compliant BaaS provider served it 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 and South Asia.
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 ByteX.
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
Africa Expansion
Cenne is live across Africa, extending the AIRA Group stack into new digital payment corridors.
Status
Live
Highlight
Live in Africa
API
AiraPay
Settlement
Traction
AiraPay is live and scaling.
Proof point
$0.0B CAD
Total volume since launch
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
3 licenses. 2 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 and South Asia.
3
Licenses
2 jurisdictions
🇨🇦PSP · Bank of Canada
🇨🇦FINTRAC MSB
🇮🇳Payment License
🇧🇷Brazil VASP
🇨🇦ByteX PSP
🇨🇦FINTRAC · Bytex
3
Active licenses
2
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). AiraPay holds 3 licenses across 2 jurisdictions.
AIRA Group
The AIRA Group
A coordinated group structure spanning live payment rails, stablecoin settlement, and Africa expansion.
Anchor Entity
AiraPay
Canada + India
- PSP + FINTRAC infrastructure
- Canada-India corridor
- $3.6B CAD processed
Launching H2 2026
- Stablecoin settlement rails
- T+0 roadmap
- FINTRAC MSB active
Strategic JV
Cenne
Africa
- Live in Africa
- Regulated payment services
- Africa 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%
- Africa digital payments12%
02
CA+US -> India corridor
$48B
03
India remittance market (2024, World Bank)
$129B
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 North America and South Asia.
3 Licenses 2 Jurisdictions $3.6B Processed