TripLink & Remi Network: B2B Cross-Border Flow Specification

📄 ARCHITECTURAL OVERVIEW

This specification defines the secure, low-latency API and Ledger integration linking TripLink International Pte. Ltd. (Singapore), Bison Bank S.A. (Portugal), the Remi Network Infrastructure (Global), and Nam A Bank (Vietnam). By using stablecoin clearing rails in place of correspondent bank networks, the settlement loop for Vietnamese hoteliers is compressed from T+3 to near-instant, driving cross-border FX efficiency, operational automation, and systemic liquidity protection.

Jurisdictional Nodes

Singapore → EU → Vietnam

Clearing Network

Remi DLT Infrastructure

Fiat Conversion Corridor

EUR/USD → VND Payout

Regulatory Compliance

MAS (SG), MiCA (EU), SBV (VN)

Interactive Architecture Visualizer

Click steps to inspect the live BA metadata or run the end-to-end simulator below.

Sequence Diagram Map

TripLink International Pte. Ltd. (MAS MPI)

INITIATOR

Collects retail fiat booking funds → triggers crypto/stablecoin transfer to Europe.

SYSTEM: TripLink ERP•ASSET: Stablecoin (EUR/USD Peg)

Bison Bank S.A. (EU Regulated Portal)

CLEARING HUB

Converts incoming stablecoins to local Fiat → debits Nam A Bank's active Nostro account.

SYSTEM: Core OTC Engine•ASSET: EUR Fiat Swap

Remitech.ai Infrastructure Bridge

ORCHESTRATOR

Synchronizes the DLT ledger → emits verifiable settlement proofs of European Nostro debit.

SYSTEM: Remi DLT Ledger Node•ASSET: Cryptographic Clearing

Nam A Bank (Vietnam Local Agent)

PAYOUT GATEWAY

Consumes verified Remi triggers → originates interbank payout equivalent directly in Vietnam.

SYSTEM: Core Banking API•ASSET: EUR to VND Peg

Vietnamese SME Hotels & Resorts

BENEFICIARY

Receives instant, low-cost interbank funds with absolute zero correspondent bank fee leakage.

SYSTEM: Interbank CITAD/NAPAS•ASSET: Local VND Cash

Live Execution Console

> System initialized. Awaiting pipeline simulation run...

BA SpecificationsTL-S1

TripLink S1: Transaction Origination

Singapore Major Payment Institution handles client booking conversion to digital assets.

Step Goal

Convert customer travel fiat into high-speed stablecoins to route international transfers smoothly.

Data Model & Payload

{
  "origination_id": "TXN-882910-SG",
  "client": "Trip.com Enterprise Portal",
  "mpi_entity": "TripLink International Pte Ltd",
  "source_currency": "SGD",
  "booking_assets_total": 100000.00,
  "stablecoin_mint": "USDC",
  "minted_amount": 74320.50,
  "timestamp": "2026-05-25T16:43:11Z",
  "kyc_verification_status": "APPROVED_BY_TRIPL_MPI"
}

Key Business Controls

MPI License Check: System verifies active license status with MAS API before minting.
Hot-Wallet Liquidity Balance: Checks dynamic limits to confirm immediate transfer capacity.

External / Regulatory Drivers

Governed under the MAS Payment Services Act (PSA) of Singapore. Ensures strict customer protection standards.

Estimated Execution Mechanics ($100,000 Booking)

Standard SWIFT Loss$3,500 - $7,000(Intermediary slice + Delay liquidity loss)

Remi Stablecoin Rail Loss< $50(DLT Network Gas Fee only)

💻Functional & Non-Functional Requirements Specifications

Functional Requirements (FR)

FR-PAY-001: Instant Conversion

The core integration must automatically swap incoming client stablecoins (e.g., USDC/EUR) into corresponding domestic bank credit vectors in less than 3 seconds.

FR-PAY-002: Nostro Balance Tracking

Remitech middleware must monitor real-time Nostro balances at Bison Bank S.A. to ensure Vietnam's Nam A Bank can complete immediate internal conversions safely.

FR-PAY-003: Reverse Reconcile Loop

If any local beneficiary payout fails (e.g., incorrect recipient bank details in Vietnam), funds must revert back along the bridge to prevent unallocated float.

Non-Functional Requirements (NFR)

NFR-LAT-001: Execution Latency

The total end-to-end processing time from TripLink initiation to Vietnam hotel payout confirmation must remain within a 15-minute SLA buffer.

NFR-SEC-002: Transport Encryption

All direct REST APIs and websocket interfaces linking the banks must adhere to TLS 1.3 protocol standards with dedicated IP-whitelisting.

NFR-REL-003: Guaranteed Delivery

The messaging architecture must use event-driven queues (e.g., Apache Kafka) to survive transient bank server disconnects without losing state payloads.

💸Stakeholder Value & Commercial Incentives

💼

Trip.com & TripLink

Eliminates credit lines pre-funding delays in foreign payment nodes.
Automates large-scale travel vendor settlement schedules via APIs.
Drastically improves local hotel engagement and supply reliability.

🏦

Bison Bank S.A.

Captures recurring institutional FX margins from stablecoin conversions.
Establishes competitive advantage by utilizing dual crypto-banking licensing.
Secures premium tier transaction deposits from the APAC region.

🖧

Remitech Bridge

Earns predictable infrastructure fees per transaction block cleared.
Scales network effect across adjacent APAC corridors.
Demonstrates real-world utility of stablecoins in regulated financial pipelines.

🏢

Nam A Bank

Improves local corporate deposits as the premium travel-pay clearing agent.
Drives cross-border business customer acquisitions across domestic hotels.
Generates fee income from processing local interbank real-time settlements.

SME Spotlight: The Liquidity Squeeze Solution
While multinational resort chains easily absorb SWIFT transfer overheads ($30–$80 per block wire transaction) or utilize premium card networks (e.g., Visa/Mastercard, which cost 2.5% to 3.5% in commission rates), independent small and medium hotels (SMEs) are trapped. To save on transfer costs, these smaller players must wait to receive batch transfers. This delay halts cash reserves, complicating daily overheads. The Remi architecture solves this: payments flow on-demand, without high minimum fees, ensuring independent hotels receive exact, un-deducted earnings instantly.

👷Risk Assessment & Control Matrix (RCM)

Ref ID	Risk Domain	Impact Level	Risk Description	System Mitigation / Strategic Control
RCM-FX-01	Stablecoin - VND Slippage	HIGH	Market volatility during conversion gap between Singapore collection, Bison settlement, and Nam A Bank VND output.	Remitech deploys automated slippage locks; transfers pause if real-time exchange rate exceeds standard slippage limits (±0.15%).
RCM-REG-02	Vietnamese FX Controls	HIGH	SBV (State Bank of Vietnam) strict guidelines regarding incoming crypto transactions and corporate local payout triggers.	The settlement architecture ensures crypto never directly crosses the Vietnamese border. It is liquidated safely inside the EU jurisdiction, triggering standard fiat Nostro settlement.
RCM-LIQ-03	Nostro Balance Depletion	MEDIUM	Nam A Bank's Nostro account at Bison drops below critical levels, preventing the next batch of local bank transfers.	TripLink triggers proactive daily balancing wires via international automated clearing accounts to keep the buffer at a safe minimum (1.5× average daily volume).
RCM-AML-04	Multi-Jurisdictional AML/CTF	HIGH	Differences in local regulatory controls can result in global transaction blocks, exposing banks to legal risks.	The system implements dual-screening protocol: all incoming wallet addresses are monitored via Chainalysis API prior to contract trigger, combined with standard bank KYC matching.