Overview

Tolken builds a global payment network that connects banks, fintechs, and payment service providers through a single integration. Its platform routes cross-border payments across all global rails, chooses the best providers, and executes transactions so clients can settle locally without pre-funding or handling multiple onboarding steps. It uses reinforcement learning, network algorithms, and blockchain tech to optimize speed, cost, and risk, while including verified KYC/AML data with every payment. Tolken does not provide payments itself but offers the infrastructure layer that enables money movement at scale. The company aims to modernize the financial infrastructure that moves roughly $150 trillion each year, improving routing options and reducing corridor costs for participants.

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