What is Thiqwave

Thiqwave is B2B2B non-custodial cross-border payment infrastructure for the MENA region and beyond. Licensed businesses (banks, PSPs, fintechs) use it to collect funds in one currency, convert them, and settle to a beneficiary in another currency or rail — programmatically, through a single API.

You integrate Thiqwave; your end-users are served through your product. Thiqwave is infrastructure, not a consumer app.

The hub-and-spoke model

Every payment is a journey from source to destination, routed through a Thiqwave settlement hub:

  Source (pay-in)            Thiqwave hub              Destination (payout)
  ─────────────────          ────────────              ───────────────────
  Fiat  (AED, SAR,           Collect → screen →        Fiat     (INR, PKR, PHP,
        USD, EUR, …)         convert → settle          … 150+ countries)
        via Open Banking,    ┌───────────────┐
        virtual IBAN,   ───▶ │ Collection    │   ───▶  Stablecoin (USDT, USDC)
        instant rails         │ Compliance    │          to any EVM / supported
                              │ FX + Settlement│         wallet
  Stablecoin (USDT/USDC) ───▶ │ Payout        │   ───▶  Fiat bank account
        from any wallet       └───────────────┘

The hub is rail-agnostic: the code does not hard-code currencies, chains, or providers. Corridors, assets, and networks are configuration, so new routes light up without API changes on your side.

What Thiqwave is

• A settlement control plane: create participants, request quotes, move money, reconcile, and audit — all via API and the partner console.
• Multi-rail: fiat-to-fiat, fiat-to-stablecoin, stablecoin-to-fiat, and stablecoin-to-stablecoin.
• Compliant by default: every flow runs KYB, sanctions/PEP screening, and (for stablecoin legs) wallet screening before any money moves.
• Auditable: every money movement is a stateful, idempotent workflow with a recorded trail.

What Thiqwave is not

• Not a consumer wallet or remittance app.
• Not a crypto exchange or broker.
• Not a speculative trading product.
• Not a custodian of your private keys — Thiqwave never holds your signing material.

Where to go next

• Core entities — the objects you create and reference.
• Settlement flow — how a payment moves end-to-end.
• Transaction lifecycle — the states a transaction passes through.
• Quickstart — run the canonical flow on TEST in 5 minutes.