WBTT000
For FX Institutions and Institutional Investment Funds
"All of SWIFT's reach, without any of their settlement delays."
The WBTT000 protocol is designed to facilitate instant transfers via SWIFT and local clearing networks. By eliminating the traditional 1–3+ day settlement cycle, WBTT000 allows end-users to receive bank-direct withdrawals within seconds of initiation.
Instant Transfer Network
End-users receive bank-direct withdrawals within seconds of initiation
Core Functional Specifications
When a client initiates a withdrawal, the protocol performs a deterministic check against real-time ledger availability and automatically executes the transfer through the most efficient local banking corridor via Dru treasuries.
Deterministic Routing
Automatic execution through the most efficient local banking corridor
The protocol is engineered around "broker-first" AML principles and legacy-compatible compliance stacks. This ensures that all local treasury disbursements maintain rigorous financial audit trails and adhere to the regulatory standards required for institutional clearing operations.
Through the Commtrac SDK, brokers can define custom withdrawal logic, such as automated tiered approvals for high-value transfers or specific liquidity-lock periods, providing a premium, bank-direct experience that significantly reduces client churn.
Compliance & SDK Controls
Broker-first AML, audit trails, and custom withdrawal logic via SDK