New One platform · Two products: FlowOS + ShieldOS™

Move money in minutes.
Prove every payment to any regulator.

One platform, two products. FlowOS moves money across borders on stablecoin rails — settling in minutes, not days. ShieldOS™ turns every payment into a sealed, tamper-evident compliance record: sanctions & AML screening, invoice match, approvals, FX and settlement, in one audit-ready pack. It powers every FlowOS payment — and any institution can buy it standalone, even on another rail. Adopt either; run both.

< 3 minAvg. settlement
0.2–0.7%All-in cost
Every paymentAudit-sealed
Any regulatorExport in minutes
Sanctions clearScreened in 0.4s
Evidence sealedAudit pack ready
🇦🇪
Al Noor Exchange → Kumar TextilesDubai → Tiruppur, India · Supplier settlement
Live
$50,000 4,762,000 INRLocked · 95.24
Initiated
Pre-check
Routed
Settling
Paid out
Risk 14/100 · Policy v3.2
Fee $200 $2,500 via bank

Built first for Gulf → South Asia

🇦🇪→🇮🇳 UAE → India 🇶🇦→🇮🇳 Qatar → India 🇸🇦→🇵🇰 KSA → Pakistan 🇰🇼→🇧🇩 Kuwait → Bangladesh 🇧🇭→🇮🇳 Bahrain → India 🇦🇪→🇱🇰 UAE → Sri Lanka
The problem

Every cross-border payment carries two problems.

An exchange house in Dubai pays a textile supplier in Tiruppur, India. First the money crawls through intermediaries for days. Then, when the regulator audits it, the compliance team reassembles the proof by hand from six disconnected tools. Every institution in these corridors carries both — on every payment.

Problem 1 · Moving the money
2–4 days

Glacial settlement

The payment hops through 3–5 intermediaries while your supplier waits and the funds sit in limbo.

3–5 hops

Money moves blind

Once it leaves, the sender can't see where the payment is — no status, no certainty, until it lands.

3–8%

Fees & FX drag

Wire fees, FX markups, and intermediary cuts compound on every transfer — margin that quietly disappears.

Problem 2 · Proving compliance
6+ tools

Evidence scattered

AML screening here, sanctions checks there, invoices and approvals buried in email — nothing connected.

Weeks

Audit archaeology

When a regulator asks for proof, teams spend weeks reconstructing what happened for a single payment.

7-figure

Regulatory exposure

AML failures and sanctions breaches carry fines in the millions — and a failed audit can freeze the business.

The payment and its proof are the same event — but today they live in two different worlds. VadoRail makes them one.

The platform

Two products. One platform.

FlowOS moves the money. ShieldOS proves it. Each is a complete product on its own — together they share one tamper-evident Evidence Vault, so the payment and its compliance record are finally the same event. Adopt either; run both.

FlowOS
Cross-Border Payments & Evidence

Move money globally and prove every transaction — payments and audit-ready records in one flow.

FlowOS is the payments operating system: it sends money across borders on stablecoin rails in under 3 minutes at 0.2–0.7% all-in, and seals every decision into a tamper-evident evidence vault as it happens. No wallets, no tokens, no crypto knowledge — and no reconstructing audits from your inbox.

Payments & TreasuryRouting, FX, settlement, reconciliation
Evidence PlatformAuto-captured, regulator-ready audit vault
  • Cross-border payments in under 3 minutes
  • Premium Settlement — SLA-backed instant delivery, flat surcharge
  • Multi-currency settlement, smart routing & FX
  • Beneficiary verification & sanctions screening
  • Auto-reconciliation — books close themselves
  • Tamper-evident evidence vault, one-click export
  • Document intelligence on invoices & contracts
ShieldOS™
Payment Compliance & Evidence API

Turn every payment into a sealed, regulator-ready record. Export the whole audit in minutes, not weeks.

ShieldOS is the compliance layer for cross-border payments: sanctions & AML screening, invoice match, approvals, FX and settlement — captured as one tamper-evident, hash-chained record the moment the payment happens. It powers every FlowOS payment, and any institution can buy it standalone — even one settling on another rail. No more reconstructing audits from six tools.

Screen & ScoreSanctions, AML, risk — before release
Seal & ExportHash-chained Evidence Vault, one call
  • Sanctions & AML screening — every country, global watchlists
  • Invoice match & PO verification
  • Approval workflows — signed & logged
  • Tamper-evident Evidence Vault, one-click export
  • Compliance API — a sealed decision per call
  • Runs standalone — even off the VadoRail rail
Sanctions + AMLInvoice matchApprovalsFX + settlementHash-chained
See it work

The payment generates its own proof.

Press send. A $50,000 payment drops from Dubai to Tiruppur — and at every checkpoint, ShieldOS seals a hash-chained line onto the evidence pack. FlowOS moves the money; the Evidence Vault stores the proof; ShieldOS governs it. You never reconstruct an audit from six tools again.

One shared, tamper-evident vault. The payment writes it. ShieldOS seals it. Any regulator can verify it in minutes.

FlowOS Evidence Vault ShieldOS
PAY-1039 · Evidence pack READY
  • Sanctions + AML screened · 0 hits (global watchlists · all jurisdictions)14:02:11
  • Risk score 14/100 · Policy v3.2 applied14:02:13
  • Invoice #INV-2291 matched · $50,000 · PO verified14:02:20
  • Approvals · 2 of 2 signed · CFO S. Rahman14:02:47
  • FX locked · 1 USD = 95.24 INR14:03:02
  • Settled · hash-chain verified · proof sealed14:06:00
Press send to seal the evidence pack
Sealed · Regulator-ready
ShieldOS™ — Payment Compliance OS

The compliance record competitors can't sell.

Every cross-border payment needs a provable compliance trail. ShieldOS captures it as the payment happens — screening, matching, approvals, settlement — and seals it into one hash-chained record. It powers every VadoRail payment, and any institution can license it standalone, even on another rail.

CAPABILITY 01

Sanctions & AML Screening

Every counterparty and payment is screened against global sanctions and AML watchlists — every country's regime, not a limited set: OFAC, UN, EU, UK, GCC, India and more — before release, with the result, list version and timestamp sealed into the record. No separate screening tool to reconcile against later.

All-country coverageOFAC · UN · EU · UK · GCC · IndiaCounterparty + paymentResult sealed
CAPABILITY 02

Risk Scoring & Policy Engine

Every payment is scored on amount, corridor, counterparty and velocity, then checked against your policy rules — auto-approve, route for review, or block. Policy is versioned, so you can always prove which rules applied.

Dynamic risk scorePolicy-as-codeVersioned rulesAuto / review / block
CAPABILITY 03

Invoice Match & Approvals

Match each payment to its invoice and purchase order, then capture every approval signature in-line. The document, the match, and who signed off are all attached to the sealed pack — not scattered across inboxes.

Invoice + PO matchApproval workflowsSigned & loggedDocs attached
CAPABILITY 04

Tamper-evident Evidence Vault

Screening, score, policy, approvals, FX and settlement are sealed into a single hash-chained record the moment the payment completes. Every entry is append-only and independently verifiable — provable on demand.

Hash-chainedAppend-onlyIndependently verifiablePer-payment
CAPABILITY 05

Compliance API

One call returns a sealed compliance decision — screening, invoice-match and evidence bundled into a single record, not a raw lookup. Drop it into your own payment flow and get an audit-ready pack per transaction.

GET /evidence/:paymentSealed decision per callDrop into any flow

One compliance record for every payment you run

From screening to sealed proof — ShieldOS replaces six disconnected tools and weeks of audit prep with one system of record. Sold standalone to any institution, or built into every FlowOS payment.

Settlement is the proof competitors can't sell.

Compliance tools never touch settlement, so they can't prove it. Big rails generate the evidence — but won't sell it to institutions on rival rails. VadoRail sits at the intersection.

Compliance toolsComplyAdvantage, Flagright
Big railsThunes, Nium
VadoRail
Touches settlement
✕
✓
✓
Evidence auto-generated by the payment
✕
✕
✓
Compliance sold standalone — even to competitors
✓
✕
✓
Corridor-native (Gulf → South Asia)
✕
✕
✓

ComplyAdvantage can screen the counterparty — but can't prove the payment settled as approved, because it never touches settlement. Thunes generates this evidence internally — but doesn't sell it to institutions on rival rails. On VadoRail, settlement is the proof, and anyone can buy it.

Compliance spend is now mandatory. GCC and Indian regulators are tightening AML and audit expectations — proving every cross-border payment is no longer optional. ShieldOS turns that obligation into a sealed record you can export the moment a regulator asks.

Corridor roadmap

Gulf → South Asia first. Then the world.

We go corridor by corridor — each one is licensing and liquidity, not a rebuild. We start where the flows and the compliance pain are densest: the Gulf into South Asia. Southeast Asia and Africa follow.

Doha Riyadh Kuwait City Manama Dubai Mumbai Singapore Manila
1Building now

Gulf → South Asia

UAE, Qatar, Saudi, Kuwait & Bahrain into India, Pakistan, Bangladesh & Sri Lanka. The densest trade + remittance flows and the sharpest compliance pain — our beachhead.

🇦🇪🇶🇦🇸🇦🇰🇼🇧🇭→🇮🇳🇵🇰🇧🇩🇱🇰
3Planned

MENA → Africa

Opening the high-growth Africa corridors, where every payment we've already proven makes the next corridor cheaper to launch.

🇦🇪→🇳🇬🇰🇪🇪🇬
Minutes not days to settle 0.2–0.7% all-in cost Local-currency payout Every payment audit-sealed
How it works

One deterministic pipeline.

From the moment a payment is initiated to the moment your books close, every step is automated — with a human in the loop only where real risk requires one.

1

Initiate Payment

Enter amount, beneficiary, country, and purpose.

2

AI Compliance Pre-Check

Entity, sanctions, and policy screened in seconds.

3

Smart Routing

Best corridor chosen by cost, speed, and liquidity.

4

Stablecoin Settlement

Funds clear on-chain and pay out in local currency.

5

Evidence Capture

Every decision sealed into a tamper-evident pack.

6

Auto-Reconciliation

Bank, chain, and ledger matched — books close themselves.

The savings math

Do the math once. Sign the same week.

A company moving $3M/month pays roughly $150,000 through banks at ~5%. On VadoRail, that's about $15,000 — over $1.6M saved every year. Drag the sliders to run your own numbers.

Metric
Banks / SWIFT
VadoRail
Settlement speed
3–5 days
< 3 minutes
All-in cost
3–8%
0.2–0.7%
FX exposure window
3–5 days
Zero
Reconciliation
2–3 days/mo
Automatic
Audit trail
Manual hunt
One click
On $3M / month
~$150,000
~$15,000

Your savings, live

Estimated cost on cross-border volume, banks vs VadoRail.

Monthly cross-border volume$3.0M
Your current all-in bank cost5%
Banks · 5%$150,000/mo
VadoRail · 0.5%$15,000/mo
You save annually
$1.62M
≈ 90% lower cost
vs correspondent banking
Platform capabilities

Everything finance and compliance need.

One control plane, not two tools bolted together. Eight capabilities, one source of truth.

Smart Payment Orchestration

Build the payment intent, route the cheapest compliant rail, manage retries, and track status in real time.

Compliance Policy Engine

Policy-as-code rules for corridors, amounts, entities, and purpose — versioned, approved, and auditable.

Dynamic Risk Scoring

Score every transaction on amount, corridor, history, velocity, and anomalies — auto-approve, review, or block.

Audit Trail & Evidence Vault

Tamper-evident, hash-chained logs and signed artifacts for every payment and compliance decision.

Document Intelligence

AI extraction from invoices, contracts, KYC files, and licenses — finance reviews instead of typing.

Auto-Reconciliation

Match bank, blockchain, and ledger events automatically — close the books with zero manual matching.

FX Intelligence

Monitor rates continuously and execute conversions at optimal windows — small timing edges, large savings.

Real-time Monitoring & Alerts

Detect failed settlements, blocked transfers, SLA breaches, and suspicious patterns the moment they happen.

The platform

Finance and compliance, on one screen.

Every payment, risk score, and audit pack in a single source of truth — so finance and compliance finally work from the same view.

app.vadorail.com/payments
Settled this month$2.41M↑ 18.2%
Avg. settlement2m 41s↑ 38s faster
Fees saved vs SWIFT$31,480this month
Recent payments
🇲🇽Banco Azteca · Grupo MiraUS → MX · Vendor settlement
$84,500 Settling
🇵🇭BDO Unibank · Cebu StaffingUS → PH · Payroll
$22,300 Settled
🇮🇳HDFC · Nexa ComponentsUS → IN · Supplier
$56,750 Settled
🇦🇪Mashreq · Falcon TradingQatar → UAE · New corridor
$140,000 In review

Compliance queue

Falcon Trading · new corridor

$140k exceeds the threshold for a first-time AE counterparty. Ownership doc attached.

Policy v3.3 awaiting approval

Raises the auto-approve ceiling for trusted US→PH payroll.

Evidence vault

PAY-1039 packSEALED

Sanctions log · approvals · invoice · tx receipt.

The team

Operators who've lived inside enterprise finance.

VadoRail is built by people who've moved money and managed compliance at scale — not outsiders guessing at the problem.

Arbaaz Ahmed

Arbaaz Ahmed

Founder

Four years in fintech building integrations across enterprise financial systems — Oracle, SAP, Kyriba, ADP, Zuora. Currently AVP & Integration Developer at Tradeweb, one of the world's largest electronic trading platforms. Deep, first-hand understanding of how finance and compliance teams actually operate — the workflows, the pain, and how they buy.

"I've spent my career inside the systems VadoRail replaces."

Junaid Ahmed

Junaid Ahmed

Co-founder

Software Engineer at IBM's CIO office, with a fullstack, DevOps, and AI engineering background. Owns VadoRail's platform architecture, the compliance & governance engine, and the AI risk-scoring layer.

"The platform has to be provable end to end — that's the part I own."

A lean team shipping at the pace of a much larger one — combining enterprise-finance domain depth with modern AI-assisted engineering.

Built for trust

The controls a CFO would wire money through.

  • Encryption in transit and at rest

    Tenant data is logically isolated and encrypted end to end, with least-privilege cloud IAM throughout.

  • Role-based access controls

    Separate finance, compliance, and admin permissions so the right people approve the right actions.

  • Immutable audit logs

    Every user action, system decision, and policy version is hash-chained and append-only — provable on demand.

  • KYB/KYC & sanctions screening

    Every counterparty is verified and screened against watchlists before a payment is created and again before release.

  • Step-up authentication for release

    Releasing funds requires step-up verification — speed never comes at the cost of a missing approval.

Built to pass your enterprise security review — not after it.

SOC 2 Type II In progress · target Q4 2026 ISO 27001 In progress · target Q1 2027 ISO 27001 In progress · target Q1 2027 PCI-DSS Level 1 In progress · target Q2 2027
Who it's for

Built for the people who move the money — and the people who have to answer for it.

If your suppliers, teams, or customers cross borders, you're losing money on the rails between them — and carrying compliance risk you can't easily prove away. We close both gaps.

Importers & Exporters

Pay overseas suppliers in minutes and stop bleeding margin on every shipment's wire.

Trading Companies

Move large volumes across multiple corridors with one workflow and full audit coverage.

BPO & Staffing Firms

Pay remote teams across ten-plus countries in local currency from a single platform.

Cross-border E-commerce

Settle with international suppliers and partners faster, cheaper, and with proof attached.

Buys ShieldOS even on another rail

Compliance & Legal Teams

You need a single system of record proving every cross-border payment was screened, risk-scored, approved, and audit-sealed — exportable the moment a regulator asks. Adopt ShieldOS standalone to seal the evidence for payments you already run; add FlowOS when finance is ready to move the money on our rails too.

GCC South Asia Southeast Asia
Business model

Three revenue engines, each feeding the next.

Land on compliance — everyone needs the evidence. Expand into payments. Unlock financing on the trade flows we already verify. One sealed payment event powers all three.

Now
Compliance stack

Subscription — ShieldOS + Evidence Vault.

Land-and-expand: start on the Evidence Vault for audit-ready storage, upgrade to ShieldOS for active screening, invoice-match and approvals. No payment licence required — sold to any institution, on any rail.

  • Evidence Vault — audit-ready record storage
  • ShieldOS — screening, matching, approvals
  • Compliance API — a sealed decision per call
  • Standalone, even off the VadoRail rail
Next
FlowOS take rate

Usage-based. Pay only for what you move.

A transaction take rate plus FX on every corridor payment, with optional Premium Settlement for sub-second priority routing. Your cost scales with volume and drops as you grow.

  • 0.2–0.7% + FX per transaction
  • Premium Settlement — flat surcharge, SLA-backed instant delivery
  • Evidence capture built into every payment
  • Margin expands as licences move in-house
Unlocked · roadmap
Trade-finance marketplace

Origination + servicing on verified flows.

Partner banks provide the capital; VadoRail originates and services financing against trade flows it has already sealed and verified. Zero credit risk to us — the capital is always the partners'.

  • Early invoice payment on verified trade
  • Funded against sealed evidence records
  • 3–4% origination + servicing fees
  • Capital always the partners' — no credit risk

Each engine feeds the next: compliance data → payment flow → financeable, pre-verified trade. Talk to us for a plan sized to your business.

FAQ

Questions finance and compliance always ask.

No. Start with FlowOS, start with ShieldOS, or run both. They share one tamper-evident Evidence Vault — and get more powerful together — but each is a complete product on its own. Many institutions adopt ShieldOS first to seal and export the compliance evidence for payments they already run elsewhere, then add FlowOS when they're ready to move the money on our rails too.
Other providers and your bank treat compliance as a legal requirement they handle in the background — sanctions and KYC run so they stay licensed. You get a payment; you don't get the proof. VadoRail turns compliance into a product. Every payment generates a sealed, exportable evidence pack — risk score, policy version, approvals, sanctions results — mapped to the regulator whose jurisdiction the payment touches, and ready for auditors, regulators, and board reporting in minutes. You can move money and prove every decision behind it. No competitor does the second part.
Yes. Every counterparty is verified through KYB/KYC and screened against sanctions and watchlists before any payment is created — and again before funds are released. Releasing funds requires step-up authentication, data is encrypted in transit and at rest, and every action is written to an immutable, hash-chained audit log. You always have a provable record of who approved what and why.
Most cross-border payments settle in under three minutes, versus the three to five business days typical of SWIFT and correspondent banking. Because funds clear on stablecoin rails and convert to local currency on arrival, your FX exposure window effectively drops to zero.
All-in transaction cost is typically 0.2–0.7% — lower as your volume grows — compared with the 3–8% you pay today across wire fees, FX markup, and intermediary cuts. For a business moving $3M a month at ~5%, that's roughly $15,000 instead of $150,000 — well over $1.6M saved per year. A platform subscription is added on top; for most customers the fee savings cover it many times over in the first month.
None. You enter an amount, a beneficiary, and a purpose — exactly as you would for a bank transfer. The stablecoin rails, routing, conversion, and on/off-ramps are abstracted entirely. You send dollars; your supplier receives their local currency. There are no wallets to manage and no tokens to hold.
Compliance runs as policy-as-code first, AI-assisted second — so core decisions stay deterministic and auditable. Each payment is scored on risk, checked against your policy rules for that corridor and counterparty, and either auto-approved, routed for human review, or blocked. Every decision is sealed into a tamper-evident evidence pack, so when a regulator or partner asks, you export a complete, regulator-ready record in minutes.
ShieldOS is the compliance and evidence layer for cross-border payments. For each payment it runs sanctions and AML screening against global watchlists across every country's regime — OFAC, UN, EU, UK, GCC, India and beyond, not a limited set — scores risk against your versioned policy, matches the invoice and purchase order, captures approvals, and records the FX and settlement — then seals all of it into one tamper-evident, hash-chained record the moment the payment completes. When a regulator or partner asks for proof, you export the complete pack in minutes instead of reconstructing it from six disconnected tools.
Yes. ShieldOS is sold standalone — you don't have to move a single payment on VadoRail to use it. It powers every FlowOS payment on our own platform, but any institution can license it independently to screen, seal and export the evidence for payments settling on their existing rails. That's deliberate: compliance tools can't prove settlement because they never touch it, and big rails won't sell their evidence to competitors. We do both.
We go corridor by corridor, starting with Gulf → South Asia — the UAE, Qatar, Saudi, Kuwait and Bahrain into India, Pakistan, Bangladesh and Sri Lanka — where trade and remittance flows and compliance pressure are densest. Southeast Asia (the Philippines, Indonesia, Vietnam) is next, with MENA → Africa on the roadmap. Each new corridor is licensing and liquidity, not a rebuild — and every payment we prove makes the next corridor cheaper to open. ShieldOS, being rail-agnostic, is available to institutions regardless of corridor.
Get started

Stop losing money to slow rails —
and stop reconstructing audits from your inbox.

Join the waitlist or book a demo, and we'll show you exactly what your business is leaving on the table — in your first call.

or with our team

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VadoRail — Move money in minutes. Prove every payment to any regulator.