How It Works

Settlement that fits your treasury workflow

Birch Hill replaces the correspondent chain with stable-rail routing. Each payment generates a structured compliance record. Nothing waits for end-of-day batch processing.

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Submit via API or portal

Send payment details once: amount, currency pair, recipient identifier, and your internal reference. Birch Hill validates the instruction against your configured corridor rules and pre-screens for sanction flags before routing begins.

AI selects the optimal rail

The routing layer evaluates available stable rails across your target corridor in real time. It selects the path with the lowest latency and highest settlement certainty, bypassing intermediary correspondent banks and their associated delays and fees.

Funds settle, compliance record generates

Settlement confirmation fires within minutes. A structured compliance record is generated automatically and pushed to your ERP webhook endpoint or available for download. Every leg of the transaction is timestamped and traceable.

Corridor infrastructure

40 live corridors. No correspondent markup on any of them.

Legacy cross-border wire routes a payment through two to five correspondent banks. Each adds latency measured in business days and a markup you cannot audit. Birch Hill maintains direct access to settlement infrastructure in each corridor, removing intermediary hops entirely.

View corridor pricing

initiate_payment.py

import birchhill

client = birchhill.Client(
    api_key="bhl_live_..."
)

payment = client.payments.create(
    amount=4750000,
    currency="USD",
    destination_currency="EUR",
    recipient_id="rec_8c3f...",
    reference="PO-2026-1147",
    corridor="USD-EUR"
)

print(payment.settlement_id)
print(payment.estimated_arrival)

webhook_payload.json

{
  "event": "payment.settled",
  "settlement_id": "bhl_stl_f3a9...",
  "status": "confirmed",
  "settled_at": "2026-06-12T14:07:33Z",
  "duration_seconds": 247,
  "compliance_trail_url": "https://api.birchhiil.com/...",
  "reference": "PO-2026-1147"
}

Ready to replace the correspondent chain?

See Birch Hill settle a payment across your corridors with a live demonstration.

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