3-sec settlement
From payment to settlement
Under 1 minute
Transfer processing time
60–70% lower
FX fees
125 countries · 25 currencies
Partner Hub coverage
Where Money Stalls
Where money stops moving.
Domestic Payments
International visitors face barriers to paying in Korea
Visitors without local cards or bank accounts may have assets, but no way to spend them.
Deposit Tokens
Bank money struggles to connect beyond the bank
Deposits are secure, but without programmability, connecting them to other services is difficult.
Cross-Border Transfers
Liquidity is tied up in advance
Routing through multiple correspondent banks requires prefunding in each currency.
Earn & Trade
Assets sit idle in accounts
While awaiting settlement or sitting in an account, assets remain inactive.
Four Flows
Domestic Payments
International visitors can pay Korean merchants directly with their dollar stablecoins.
Wallet-to-Wallet
In-Store Merchants
3-second settlement
Cross-Border Transfers
A solver network identifies the optimal route and settles instantly onchain.
Unified Liquidity Wallet
ISO 20022–Aligned
End-to-End Onchain Traceability
Deposit Tokens
Connect tokenized bank deposits to payment and settlement workflows across services.
Deposit Token Payments
Industry-Specific Settlement
CBDC Integration
Earn & Trade
Put funds awaiting settlement and idle balances to work. Access tokenized equity and gold trading alongside asset management capabilities.
Tokenized Equity Trading
Gold Trading
Idle Asset Management
Where Money Stalls
Commerce
Tourism & Commerce Payments
International customers pay with digital assets they already hold, while merchants retain familiar KRW settlement workflows.
Settlement
Multi-Party Travel & Platform Settlement
Automatically distribute each transaction according to predefined rules, even when settlement involves airlines, travel agencies, creators, and other participants.
Cross-border
Trade & Overseas Subsidiary Payments
Reduce international business payments from days to minutes, with every stage recorded onchain.
Earn & Trade
In-App Yield Products
Connect wallets, vaults, products, and settlement so your customers can explore and trade assets and yield products within your service.
How It Works · Solver Network
The right route
for each transaction.
Competitive Quotes
Multiple providers submit prices and transaction terms in real time.
Automatic Selection
The network selects a route based on cost, speed, and transaction limits.
Instant Settlement
Settle directly onchain through the selected route.
Payment Message Generation
Payment messages aligned with ISO 20022 pacs.008 and MT103 are generated automatically, with an onchain reference recorded alongside them.
Connected Networks
Strategic MOU Signed
Partior
A global settlement network whose shareholders include J.P. Morgan, DBS, and Standard Chartered. It settles cross-border USD, SGD, and EUR transactions in real time and processes commercial G-SIB transactions around the clock.
Solver Network
Ezys
An open network that compares FX rates and transaction terms across global financial institutions to identify the best route. It selects the route; connected global payment networks execute settlement.
Who It Is For
Different operators.
Clear responsibilities.
Bank-Led Model
The bank executes fund transfers and handles KYC/AML requirements.
SOOHO.IO’s Role
Orchestration & Routing Engine
Funds Moved By
Bank
Licensing
Bank Holds Foreign Exchange Authorization
Fintech-Led Model
The appropriately licensed operator is legally responsible for moving funds, such as a licensed small-value overseas remittance provider or payment gateway.
SOOHO.IO’s Role
Technology Layer
Funds Moved By
Fintech Provider
Licensing
Held by the Fintech Provider
Corporate Treasury Model
The company uses its own funds to pay domestic and international counterparties.
SOOHO.IO’s Role
APIs · SDKs · Onchain Records
Funds Moved By
Corporate Entity
Licensing
Not Required for Own-Funds Payments
Shared Principle
In every model, the licensed operator is responsible for actual fund movement. Partner Hub does not hold or transfer funds directly.
Partner Hub V1 — Trade & Earn
Trade
Earn
Trade · RWA Tokens
Select an RWA token, review a firm quote, and execute a buy or sell order.
Select a Product → Review the Quote → Execute
Earn · Digital Asset Yield
Compare terms across yield products, then deposit or withdraw digital assets.
Compare Products → Deposit → Withdraw
Vault · Corporate Assets
View asset balances and the composition of your corporate Vault at a glance.
Corporate Vault · Balances · Asset Allocation
Activity · Execution & History
Check each transaction’s status and transaction hash, and export your transaction history as a CSV file.
Processing Status · Transaction Hash · CSV
Proof In Context
Pilot results across domestic payments, cross-border transfers, and deposit tokens.
Cross-Border · IBK Proof of Concept
We completed a proof of concept with the Industrial Bank of Korea for blockchain-based, real-time cross-border transfer infrastructure.
Under 1 min
Transfer Processing Time
60~70%
Reduction in Total Cost Rate
End to end
Onchain Traceability
Domestic Pay · TikoPay
3-second settlement · 70% lower FX and payment costs
Deposit Tokens · Bank of Korea CBDC Project
88,000 users · Approx. KRW 700M in transactions · 7 commercial banks
Why SOOHO.IO
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Compatibility with Existing Systems
Once a transaction is complete, payment messages are generated automatically using fields aligned with ISO 20022 pacs.008 and SWIFT MT103.
No Custody of Funds
SOOHO.IO does not hold or move funds directly. Execution remains with the licensed operator.
