An open, participant-led community
One connection.
A world of networks.
UPN Consortium brings payment and remittance participants together to shape an interoperable global rail—built to connect networks, extend reach and enable money to move across borders.
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The Network-of-Networks
Powering sovereign, instant global money flows.
01 — Why UPN Consortium
Fragmented rails limit the value of every network.
Cross-border payments still depend on complex bilateral integrations, duplicated operations and disconnected domestic ecosystems. UPN is designed as a neutral interoperability layer—helping participants connect once and reach more counterparties while retaining their identity, customer relationships and local responsibilities.
02 — Supported flows
Person-to-person transfers and remittances across participating networks.
Consumer payments to retail and digital merchants across borders.
Commercial payments between enterprises in connected markets.
03 — Who should join
Built for the institutions already moving money.
We welcome regulated payment, financial and enabling institutions that can add reach, capability, settlement access or market expertise to the community.
01
Domestic and international card schemes
02
Instant payment networks and national switches
03
Banks, MFIs, BNPL providers and wallets
04
Remittance companies, hubs and exchange houses
05
Open banking, open finance and A2A providers
06
Agent networks, postal and government platforms
07
Licensed digital asset service providers
08
Clearing, settlement, liquidity and correspondent institutions
04 — How it works
Operated by UPN.
Directed with participants.
UPN operates the network. The Consortium provides a structured forum through which participating institutions can help guide priorities across network direction, roadmap, pricing principles and strategy.
Neutral participation framework Collective market insight Local sovereignty, global interoperability
Participation interest
Help shape the next global rail.
Tell us about your institution, regulatory standing and intended role. The UPN Consortium team will review your submission and contact you regarding potential next steps.