Agentic POBO
Send payments on behalf of your clients.
Fintechs, brokers and agencies can now execute payments on behalf of their clients. No account opening needed. Experience the speed of agents reviewing the documentation and picking the fastest payment route.
Onboard your fintech, then register the ultimate payor and the beneficiary. No account needed.
Settle directly from Asian banks. No need for an intermediary bank that delays processing.
The proof your client's supplier wants before releasing the goods. Attached to the payment in the dashboard and the API.
You pay on behalf of your clients.
Who is POBO for
- Import brokers who need a supplier paid, not a new bank account to manage.
- Fintechs and payment service providers serving importers, particularly Latin American importers paying suppliers in China.
- Intercompany payments, such as a US company paying an Asian supplier on behalf of its Brazilian affiliate.
- Invoice-backed payments to repeat foreign suppliers, such as those made by travel agencies.
Without POBO, and with it.
Without POBO
10 days to prove payment
- 2 days
Open a virtual account for your client. Nothing can leave in their name until it exists.
- 3 days
The wire goes out, and only after the cut-off. Most banks stop at 1 pm ET, so an afternoon instruction waits for the next day.
- 4 days
Compliance review, or an RFI when the invoice and the sender name do not match.
- 7 days
Settlement. The payment works its way through the correspondent chain to the supplier.
- 10 days
The MT103 arrives. Only now can your client prove they paid.
With Kira POBO
1 day to prove payment
- 0 days
No account to open. Your client is the payor without holding one.
- Minutes
An agent matches the payor to the invoice and assembles the file the receiving bank expects.
- 1 hour
No RFI, because the payor already matches the invoice. A Kira compliance officer signs it.
- Same day
Settlement, in your client's name.
- 1 day
The MT103 is attached to the payment, in the dashboard and the API.
Three agents on every POBO payment.
Agentic compliance review
The agent matches the payor on the payment to the payor on the invoice, checks the beneficiary name, address and bank against that invoice.
Agentic bank routing
It selects the bank and the rail for speed and approval odds, prepares the file in the form that bank expects, and flags anything missing.
Agentic payment tracking
An agent tracks real-time payment status and delivers the MT103 as soon as it is available. Time goes back from 72 hours to a maximum of 24 hours.
Before Kira, and with Kira
| Before | With  | |
|---|---|---|
| Payments on behalf | Not available. You must open a virtual account for every client and wait 2 to 3 days. | Available, for multiple industries including fintechs. |
| Invoice acceptance | You must be the ultimate remitter, not your client. | The invoice is accepted with your client as the ultimate remitter, and the beneficiary named. |
| Payment settlement | Up to 72 hours, with multiple RFIs along the way. | Same day. RFIs are cleared when the payment is created. |
| Bank rails | Mostly US banks, with little risk appetite for payments into Asia. | Mostly Asia-based banks. |
| MT103 | 3 days, by a manual process involving people. | Next day, in the dashboard, the API or the MCP. |