Auto-Corridor Engine - Cross-Border Route Optimization

Overview

The Auto-Corridor Engine evaluates all available settlement routes for a cross-border transaction and selects the optimal path based on cost, speed, reliability, and compliance requirements. It considers real-time rail capacity, current fee schedules, historical success rates, and regulatory constraints for both source and destination jurisdictions.

When a corridor degrades or becomes unavailable, the engine automatically reroutes through alternative paths without requiring any action from the operator.

API Endpoint

POST /v1/corridor/optimize

Request

{
  "from_country": "US",
  "to_country": "BR",
  "amount": 50000,
  "currency": "USD",
  "strategy": "lowest_cost"
}

Response

{
  "corridor": "US-BR",
  "selected_route": {
    "rail": "jil_l1_to_local_rail",
    "hops": [
      { "type": "jil_l1", "from": "USD", "to": "JIL", "fee_bps": 5 },
      { "type": "local_rail", "from": "JIL", "to": "BRL", "fee_bps": 20, "provider": "pix" }
    ],
    "total_fee_bps": 25,
    "total_fee_usd": 12.50,
    "estimated_time": "38s",
    "success_rate": 0.997
  },
  "alternatives": [
    {
      "rail": "swift",
      "total_fee_bps": 150,
      "total_fee_usd": 75.00,
      "estimated_time": "24h",
      "success_rate": 0.992
    },
    {
      "rail": "stablecoin_bridge",
      "total_fee_bps": 40,
      "total_fee_usd": 20.00,
      "estimated_time": "2m",
      "success_rate": 0.985
    }
  ],
  "evaluated_at": "2026-03-27T14:30:00Z"
}

Rail Types

SWIFT Traditional bank-to-bank messaging and settlement. Highest reliability, slowest speed, highest cost.

Local Rails (SEPA / ACH) Regional payment networks for domestic and intra-region transfers. Fast within region, limited cross-border.

Blockchain (JIL L1) Native JIL Sovereign L1 settlement. Sub-second finality, lowest cost, requires on-ramp/off-ramp at endpoints.

Partner Rails Integrated partner payment providers with direct local access. Competitive pricing, varies by corridor.

Stablecoin Bridge Route via stablecoin pairs (USDC, USDT) across chains. Fast, moderate cost, high liquidity corridors.

Optimization Strategies

lowest_cost Minimize total fees across all route hops. Best for non-urgent, high-value transfers.

fastest Minimize end-to-end settlement time. Prioritizes blockchain rails and real-time payment networks.

most_reliable Maximize success rate based on historical corridor performance data.

compliant_first Prefer routes with full regulatory coverage for both jurisdictions, even at higher cost or latency.

Pre-Seeded Corridors

The following corridors are pre-configured with optimized routing tables, fee schedules, and compliance rules:

US - BR

US - AE

EU - SG

GB - HK

CH - JP

DE - US

AE - IN

SG - AU

US - MX

Real-Time Monitoring

The Corridor Engine continuously monitors rail capacity and success rates. When a rail exceeds its throughput limit or its success rate drops below thresholds, the engine automatically shifts traffic to alternative routes. Operators can view real-time corridor health via the Settlement Dashboard.

Capacity tracking updates every 30 seconds. Success rate monitoring uses a rolling 1-hour window with exponential decay weighting - recent failures have stronger influence than older ones.