Trust between institutions, built in
Institutions onboard each other once, check every payment against what each one requires, and keep evidence any examiner can replay.
Counterparty due diligence
01Onboard the institutions you deal with once. Shared profiles record who verified each fact, how and when, and each institution keeps its own decision.
Learn moreVerified entity profiles
02One profile for each business and institution, kept current and reused across the network. Changes reach everyone who relies on it.
Learn morePayment pre-validation
03Before a cross-border payment leaves, see what every institution it will cross requires, and fill any gap once.
Learn moreRequests and recalls
04Requests for information move hop by hop as one thread, answered from evidence already on file. Fraud recalls follow the money across rails.
Learn moreInformation sharing
05Share what the law allows, with the institutions that need it: 314(b) in the US, partnerships in the EU and UK, and consent everywhere else.
Learn moreOversight and exams
06Oversee partners and programs down the chain, and rebuild any past decision for an examiner under the rules in force at the time.
Learn more
Product
Trust between institutions, established once and proven on every payment
Institution profile
Andes Ramp
- Legal entity
- Andes Ramp S.A.P.I. de C.V.Verified: Registry, Oct 3
- Licence
- Fintech authorization (ITF)Verified: Regulator list, Oct 3
- Ownership
- 3 owners above 10%Verified: Bank attested, Sep 28
- Due diligence questionnaire
- Wolfsberg CBDDQ v1.4Verified: 2 signatories, Sep 20
Counterparty passport
Onboard each other once
Institution profiles record who verified each fact, how and when. Each institution reads the evidence and keeps its own decision.
- PayoutCoWill pass
- Harbor BankWill pass
- Andes RampRFC, invoiceWill ask
- Banco NortePurposeWill ask
- SPEIWill pass
Pre-validation
See what every hop will ask for
Before you send, check the payment against the requirements of every institution it will cross, on Travel Rule networks, payment networks and bank rails.
Banco Norte to Andes Ramp
Relationship between payer and beneficiary?
Andes Ramp to Harbor Bank
Forwarded, beneficiary details only
PayoutCo to Banco Norte
Answered from Acme’s profile and contract
Requests for information
Asked once, answered once
A request moves hop by hop as one thread, is answered from evidence already on file, and is reused the next time.
Replay: Nov 4, 2026, 14:02
- Policy in force
- Harbor Bank v12
- Sanctions list
- Nov 4, 2026, 06:00
- Profile version
- Metales del Norte r8
- Decision
- Requirements satisfied
Evidence and exams
Replay any decision
Rebuild what each institution knew and decided, under the policy and sanctions list in force at the time.
US → MX
Version 3- Applies when
- Amount is above Mexico’s reporting threshold
- Requires
- Beneficiary RFC, purpose of payment
- Source
- LFPIORPI art. 17
Signed off by the rules team, effective Oct 1, 2026
Corridor rules
Requirements kept current
Rules for each corridor, linked to their legal source and signed off by people before they take effect.
Solutions
What institutions can offer once the network trusts them
Caviar never holds or moves funds. Each solution is delivered by the institutions in the network, using checks every participant already relies on.
- Acme Imports to Metales del NorteMXCleared first time
- Lumen Studio to 14 creatorsBRCleared first time
- Orbit Freight to Lagos HaulageNGCleared first time
Pre-validated payouts
Payouts that clear the first time
Send knowing every institution in the chain has what it needs. No holds after arrival, no requests for information days later. Delivered by payout partners and banks.
Bank account change requested
“We’ve changed banks, please pay the new account.”
Not on Metales del Norte’s verified profile
No change request from an authorized signer
Verified business identity
One supplier profile every payer reuses
A business keeps one verified profile with its bank accounts and signers. Payment details that don’t match it are stopped before money moves.
USD 48,000 to MXN
Pre-validated- Provider A17.412
- Provider B17.398
- Provider C17.405
Pre-validated FX quotes
Quotes on payments that will clear
Liquidity providers quote on conversions already checked against every hop. Caviar charges a flat fee and never takes a share of the spread.
- Agent
- Acme accounts-payable agent
- Issued by
- CFO, verified signatory
- Limit
- USD 50,000 a month
- Payees
- Approved suppliers only
Checked live on every rail. Revocable at any time.
Agent mandates
Agents that pay within set limits
An agent’s authority comes from a verified signatory and is checked live by every institution it pays through. Delivered by wallets, banks and payment companies.
- 1Pix payout, BrazilFraud claim opened
- 2Off-ramp, USDC to BRLFunds traced
- 3USDC transferRecall requested
- 4US senderNotified
Recalls across rails
Fraud recalls that follow the money
A fraud claim on a Pix payout is traced back through the off-ramp and the USDC leg to the sender, with each institution notified in turn.