PASSID verifies US financial accounts today via Stripe Financial Connections. The corridors below are the cross-border routes we're prioritising next — we scope each one's data partners and normalisation logic as we sign the institutions that need it.
Each corridor is its own integration — different open banking partners, different data coverage depths, different FX dynamics, and corridor-specific signal calibration. Not all corridors are equal, and each is scoped and built once we have an institution partner who needs it.
The UK's Open Banking (PSD2) mandate gives near-universal bank connectivity, which should make this one of the more straightforward corridors to build once we have a partner who needs it.
One of the highest-volume Africa-origin remittance corridors. NGN/GBP volatility means income would need FX-normalising over a rolling window rather than a point-in-time rate — a design constraint we'd account for when we build this corridor, not something live yet.
India's Account Aggregator (AA) framework is designed to expose employer-level payroll data at source, which could give strong salary verification for H-1B/L-1 visa populations moving to the US. This is our next priority corridor to scope.
Mobile money penetration in Kenya is high enough that most income flows through mobile wallets rather than traditional bank accounts — a fundamentally different data shape from PSD2-style bank feeds, and its own signal-extraction pipeline to build when we scope this corridor.
Mexico's Open Finance regulation (CNBV) is opening up bank-level data aggregation. The main design challenge here is agricultural and construction income seasonality — a worker may show several strong months and a lean one — which would call for rolling-average smoothing rather than point-in-time snapshots once this corridor is built.
The Overseas Filipino Worker population has a distinct income pattern — large inbound remittances from family abroad, informal savings groups (paluwagan), and e-wallet usage — that would need its own signal calibration rather than standard employment-pattern models when we build this corridor.
XOF is pegged to the euro at a fixed rate, which would remove FX volatility risk entirely — unusual among these corridors. Formal banking penetration in Senegal is comparatively low, so mobile-wallet data would need to be the primary income source when this corridor is scoped.
Ghana's cross-wallet interoperability framework (GhIPSS) makes mobile-money data comprehensive relative to traditional bank feeds. GHS has seen significant depreciation against the dollar, so income would need to be expressed on a smoothed rolling rate rather than a point-in-time FX snapshot to avoid penalising stable earners for recent devaluation.
Garment industry income likely dominates this corridor — monthly salary transfers from RMG factories, plus mobile-wallet usage that's grown into the primary way many workers receive pay. Not yet scoped.
Ethiopia's mobile-money sector is young and growing fast, but the data history behind it is still thin — this is the corridor furthest from being ready, and we'd want a committed institution partner before scoping it seriously.
One of the world's largest remittance-receiving economies, with fast-growing branchless-banking wallets like JazzCash and Easypaisa alongside traditional bank rails. Not yet scoped.
Each corridor is designed to use open banking or mobile-money data native to the source country, normalise income to the destination currency, and calibrate risk thresholds for that specific route rather than applying one global model everywhere.
We add corridors based on demand. Tell us your target market and we'll scope the integration.