Hello everyone, welcome back to the TokenMinds Training series.
Today we’ll explore how TMX Agentic Finance enables cross-border payments for banks using agentic AI and stablecoin rails, without forcing banks to rebuild their infrastructure.

We’ll cover how banks can run cross-border payments through crypto rails while keeping their existing app and core systems.
You’ll also see how TMX provides one secure connection that abstracts wallets, fiat conversion, custody, and blockchain execution behind a single gateway.

Today, cross-border payments move through correspondent chains that take one to three business days.
Each intermediary adds cost and operational steps.
Customers cannot clearly track where their funds are.
FX handling is fragmented across desks and systems.

The root problem is infrastructure.
Legacy systems cannot easily plug into modern crypto rails, and rebuilding internally can take years.

On the left side, traditional transfers depend on correspondent banks and manual processes.
Settlement takes one to three days.
Customers must navigate separate portals and manual forms.
FX is handled manually by treasury desks.
Compliance logging is often separate and manual.
Deployment can take 12 to 18 months of custom development.

On the TMX side, settlement happens in minutes to hours through stablecoin rails.
The customer interacts in natural language inside the bank’s existing app.
Wallets are created automatically, with no seed phrases or crypto knowledge required.
Fiat conversion is automated across more than 150 currencies through Due.
Gas fees are abstracted and invisible.
Every action is logged automatically and immutably.
Deployment takes 16 to 22 weeks instead of multi-year rebuilds.
All third-party connections are routed through one secure MCP gateway.
The system scales horizontally per client, instead of being limited by legacy infrastructure.

This table shows the shift from correspondent banking complexity to agentic stablecoin execution.

TMX Agentic Finance is an AI platform from TokenMinds.
It sits between the bank’s app and the execution layer, including blockchain networks, custody providers, and fiat payment services.

The customer experience is simple.
A user types what they want inside the bank app.
The TMX Bank Agent reads the request, executes the steps, and confirms when it is complete.

No separate portal.
No manual crypto steps.
No blockchain knowledge required.

The flow has four stages.

First, wallet setup.
Second, fiat on-ramp.
Third, stablecoin transfer.
Fourth, fiat off-ramp at destination.

Each step is orchestrated by the AI agent.
The bank connects at one integration point.
Everything else is abstracted behind the platform.

When a user initiates a transfer, the agent checks if a wallet exists.
If not, it provisions one server-side through Privy.

There is a one-to-one mapping between the bank user ID and the wallet address.
Authentication uses the bank’s existing JWT and OIDC systems.
Private keys are never exposed to the user.

Each customer has one persistent wallet that is always ready.
This removes crypto friction completely.

If the user does not have enough stablecoin balance, the agent calls Due.

The flow is simple.
The agent requests a quote.
The FX rate and fee are displayed clearly.
The user confirms.
Fiat converts into USDC or EURC.
Funds land in the user’s wallet.

Due supports more than 150 currencies and rails such as ACH in the United States, SEPA in Europe, SWIFT globally, and virtual IBANs.
Settlement happens in minutes to hours.

Once funded, the agent initiates the transfer.

Policy is enforced automatically.
Amount limits and recipient whitelists are verified.

Gas fees are handled by a Gas Station Network.
The user never sees or manages blockchain fees.

Every transaction is fully logged.
A Redis state layer tracks live status.
Webhook callbacks confirm delivery.
A PostgreSQL audit trail stores immutable records.

This ensures both operational control and regulatory visibility.

At the destination, the stablecoin is converted back to fiat.

The agent requests a real-time FX quote from Due.
The recipient confirms the rate.
Fiat is settled to the local bank account.

Local rails are used per jurisdiction, including PIX in Brazil, FPS in Hong Kong, and ACH or RTGS equivalents elsewhere.

If the user needs instant access, an optional embedded Stripe card payment can provide immediate funding.

TMX Agentic Finance allows cross-border payments to settle on stablecoin timelines instead of correspondent timelines.

It runs inside your existing app, under your brand.
You integrate once. Wallets, custody, audit, and compliance are abstracted behind the platform.

You maintain bank-grade control through a Guardrails Control Center, including human-in-the-loop approvals, PII redaction, and immutable logging.

If you are ready to modernize cross-border payments without rebuilding your core infrastructure, TMX Agentic Finance provides a clear and controlled path forward.

So Thank you for watching and see you in the next training video.