MaoSwitch
The intelligent routing layer behind MaoBank.
MaoSwitch is the smart payments routing engine that powers every transaction in MaoBank — automatically selecting the best path for cost, speed, and success rate across payment rails and currencies.
Every payment has multiple possible execution paths — different rails, intermediaries, currency conversion points, and timing windows. Most banks pick one path and stick with it. MaoSwitch evaluates all of them.
Behind every transaction, MaoSwitch runs a real-time optimization — considering cost, speed, success probability, and user preferences to route your payment through the best available path.
Key features
Automatic rail selection
Intelligently selects the optimal payment rail for each transaction in real time.
Currency optimization
Chooses the most efficient currency conversion path to minimize costs.
Cost-aware routing
Continuously evaluates fee structures to find the lowest-cost execution path.
Fallback logic
If a primary route fails, MaoSwitch automatically retries through alternative paths.
Speed prioritization
When speed matters more than cost, MaoSwitch can prioritize faster settlement.
Transparent execution
Full visibility into how each payment was routed and why.
Who it's for
High-frequency payers
Users whose transaction volume makes routing optimization materially impactful.
Cross-border senders
Anyone sending money internationally who wants better rates and faster delivery.
Businesses
Companies making regular payments across multiple currencies and regions.
Why it matters
Payment routing is one of the most impactful yet invisible layers in banking. MaoSwitch makes it visible, intelligent, and optimized for every single transaction.