AETHER: Compliance meets innovation in cross-border payments

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AETHER redefining cross-border payments with precision and trust

Since obtaining its Payment Institution License (PSP) from the ACPR (Autorité de Contrôle Prudentiel et de Résolution) in 2023, AETHER has established itself as an innovative force in international payments.

The company’s mission is clear: to deliver faster, more transparent, and more automated payment solutions, combining the regulatory rigor of a licensed institution with the technological agility of a modern Fintech.

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A licensed PSP: trust, security, and compliance

Securing authorization from the ACPR, the French financial regulator linked to the Banque de France, represents a significant milestone for any Fintech. It confirms that AETHER operates under strict regulatory standards, ensuring the security of client funds, robust anti-fraud and AML controls, and sound financial governance.

This license enables the company to offer a complete range of payment services —including the initiation and execution of international transfers, incoming collections, and real-time transaction reporting — all within a compliant and secure framework.

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‍Optimizing cross-border payments with MT103 Messages

Understanding the growing need for speed, accuracy, and reliability in international payments, AETHER has built its infrastructure around the SWIFT MT103 format — the global benchmark for customer credit transfers.

Each MT103 message is carefully structured and enriched to ensure the highest data quality:

• Full identification of both the sender and the beneficiary,
• Standardized payment references,
• Embedded compliance details (complete addresses, BIC codes, and mandatory fields),
• Contextual data for precise end-to-end tracking.

This level of structure and detail minimizes payment errors, rejections, and delays —resulting in a seamless payment experience for both businesses and financial partners.

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Exceptional performance: 99.4% STP rate

One of the strongest indicators of payment efficiency is the STP rate (Straight Through Processing) — the percentage of transactions processed automatically without manual intervention.

Thanks to its optimized MT103 architecture and deep integration with its banking partner, AETHER has achieved an outstanding STP rate of 99.4%.

This means that nearly every transaction is processed flawlessly, delivering:

• Faster settlement times,
• Lower operational costs,
• Minimal processing errors, and
• A smoother, more reliable customer experience.

This performance level positions the company among the top performing payment institutions in its category.

Innovation serving simplicity

Behind this success lies a strong focus on data quality, automation, and user experience.
AETHER has designed its payment engine to meet two critical needs: simplicity for clients and robustness for banking partners.

Built with an API-first approach, the system automates field validation, compliance checks, and BIC/IBAN matching to ensure payments are error-free, traceable, and fully auditable.

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A strategic partnership with a major international bank

Partnering with a global financial leader provides AETHER with a solid, high-performing banking infrastructure, ensuring that its customers benefit from secure, compliant, and globally connected payment capabilities.

This collaboration combines the strength and global reach of a major bank with the agility and innovation of Fintech, creating a payment ecosystem that is both stable and cutting-edge.

Shaping the future of global payments

In less than two years, AETHER has proven that a new generation of Fintechs can combine regulatory excellence, technical precision, and operational performance to transform the way cross-border payments are made.

With its 99.4% STP rate, ISO 20022 norm-aligned architecture, and partnership with major international bank, the company stands as a trusted partner for corporates seeking efficiency, transparency, and reliability in their global payment operations.

In a world where speed and data integrity define competitiveness, AETHER embodies the future of european payment institutions — agile, secure, and globally connected.

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