One transaction, every eligible route
Bearing sits above the providers you choose, compares every eligible route against your routing policy, and shows why one route should win. Your providers keep liquidity, custody and settlement — Bearing never holds or moves funds.
You can start in Shadow Mode, comparing the route actually used with the route Bearing would have recommended, without changing production execution.
Routing policy
Weighs all-in cost, settlement time and reliability together, inside a tight settlement window.
Eligibility floors: maximum settlement time 6m · minimum reliability 98.5%
Selected route
Provider A
USDC · Polygon → PIX
All-in cost
38 bps
FX spread
14 bps
Expected settlement
3m
Reliability
99.1%
Settled · normalized status settled · 2m 54s
The selected provider executed and settled the transfer. Bearing did not hold or move funds — it selected the route and normalized the status across providers.
Decision trail
Every routing decision is explainable after the fact: what was available, what was observed, what was chosen and why.
Observe → Recommend → Orchestrate
You do not have to rewire production to begin. Most teams start by observing their existing transactions in Shadow Mode, backed by an assessment of which routes are feasible, how they compare and what can be validated.
01 Observe
Evaluate existing transactions in Shadow Mode, compare alternatives, identify missed routing opportunities.
You start here today
02 Recommend
Show which route should win, explain the decision, apply your routing policy.
03 Orchestrate
Execute the selected route, normalize statuses, reconcile and monitor provider performance.
Start by measuring what you already have.
Start an assessment