01
User onboarding & Identity
Mobile-based onboarding, device binding, secure credential setup, and multi-bank account linkage.
Payment Infrastructure
Manam Railee™The rails a nation runs on.
Railee is an advanced unified and digital payments platform, acting as a single interface that facilitates seamless inter-bank peer-to-peer (P2P) and person-to-merchant (P2M) transactions instantly and securely.
InstantInteroperableUnified Payments
Railee · SwitchX
P2P · P2M
UsersPayers & payees
BanksParticipants
MerchantsP2M
Payment AppsPSPs
SwitchX
Central Switch
ISO 20022QR SpecOpen APIsProtocols
Features
The complete payments toolkit
From onboarding and instant P2P to QR merchant payments, mandates, delegated Circles, intent payments, and real-time risk and reporting — Railee ships every capability a participant builds on.
02
Person-to-Person payments
Instant transfers using aliases such as a mobile number or payment ID — no account details shared.
03
Person-to-Merchant payments
QR-based payments — static and dynamic — with merchant-category handling and instant confirmation.
04
Request-to-pay
Collect requests, invoice-based payments, and payer authorization flows.
05
Recurring mandates
Customer-approved recurring debits with pause, revoke, and limit controls.
06
Delegated payments — Circles
A primary user authorises secondary users with spending limits and full visibility.
07
Intent payments
Open Railee apps directly from a merchant app or portal through a payment intent.
08
Risk & fraud management
Limits, velocity checks, anomaly detection, and complete audit logs.
09
Monitoring & reporting
Real-time dashboards, participant reports, and settlement & reconciliation outputs.
Transaction flow
Payment Process Flow
User A pays User B by mobile number, VPA(alias), or QR — the request routes through the SwitchX central switch and ReconX settles it in real time.
Railee Direct Payment Process Flow
1
Initiate
User A picks User B’s handle and taps pay; the PIN is captured securely via ComX.
2
Request & authenticate
App X sends the request through Acquiring Bank A to the SwitchX central switch.
3
Validate payee
SwitchX validates User B through Acquiring Bank B before money moves.
4
Debit
SwitchX instructs User A’s issuing bank to debit the payer’s account.
5
Credit
SwitchX instructs User B’s issuing bank to credit the payee’s account.
6
Confirm & settle
Confirmations route back to each app while ReconX reconciles and settles.
The Railee Family
Every piece of the national rails
The SwitchX central switch, participant PayX switches, secure ComX PIN capture, the ReconX settlement engine, and the open APIs, QR spec, and protocols that bind them — one interoperable, real-time backbone.
SwitchX The central switch.
The centralized switch that routes and clears transactions between every participant — banks, PSPs, wallets, and fintechs — in real time.
Central banks · National switches · PSOs
PayX Your own switch.
A bespoke participant switch any bank, PSP, or fintech can run to connect into the national rails and switch its own traffic.
Banks · PSPs · Fintechs
ComX Secure PIN capture.
The common library PSP apps embed to capture the customer’s PIN securely and authenticate every transaction end to end.
PSP & wallet app builders
ReconX Reconciliation & settlement.
The Reconciliation & Settlement Engine that nets, reconciles, and settles positions across all participants automatically.
Central banks · Settlement operators
Open APIs Integrate once.
A consistent open-API surface so every participant integrates a single time and reaches the entire network.
All Railee participants & integrators
QR & Protocols Interoperable by standard.
A national QR-code specification and the transaction-flow protocols — P2P, P2M, request-to-pay — that let any app pay any participant.
Merchants · Acquirers · All participants
Capabilities
Standard and Future Ready
ISO 20022-native messaging
Standards-compliant from day one — no retrofitting, full data richness across every message.
RTGS-capable settlement
Real-time gross settlement engineered for sovereign and tier-one transaction volumes.
Interoperability by design
Connect banks, fintechs, wallets, and switches into one unified, real-time network.
CBDC-ready
Issue, distribute, and settle sovereign digital currency on the same resilient rails, with programmable policy.
Built for institutions
Secure, compliant, and ready to deploy anywhere
Every Manam platform shares the same foundation — so whichever you start with, the guarantees are the same.
Security
End-to-end encryption, device binding, and Digital ID — bank-grade security across every channel and service.
Fraud Detection
Continuous, AI-assisted monitoring that detects and blocks fraud in real time, before it lands.
Deploy Anywhere
Cloud, on-premise, or hybrid — platform-independent and ready for regulated, air-gapped environments.
Compliance
Auditable, explainable, and standards-aligned — every action logged for regulators and leadership.