Clearing vs settlement: what actually happens to a payment
The distinction behind payment risk, finality and why a cleared payment can still fail.
Read the explainer
The settlement layer for modern finance.
Modernize settlement. Keep control.
Modernize settlement through the systems you already use. Frame checks your policy before release and creates signed evidence of the reported outcome. Your platforms execute. You stay in control.
Your books. Your keys. Your control.
Ask Frame
Your next move.
Made possible.
Start with what you want to do.
See how Frame fits your business.
Two choices. A clearer way forward.
Explore the workflow. See the value.The Frame product family
One Frame.
Four products.
Control what gets released. Give others evidence they can check. Reduce what treasury needs to fund.
- 01Move
Settle Coordinate settlement through your own systems.
Connect the instruction, your systems’ execution and the reported result in one workflow. Each institution posts its own ledger entries and keeps control of its execution.
- One connected workflow
- Your systems settle
- Your ledger stays in control
- 02CheckRules
Your policy, enforced before money moves.
Rules checks instructions inside your instance, under keys you hold. Your risk management controls supply signed verdicts. A failed check stops release; an unavailable gate pauses settlement.- Policy at the release step
- Customer-controlled keys
- Included in every deployment
- 03ProveProof
A settlement receipt others can verify independently.
Give the recipient a signed record of the instruction, decision and reported result. They check it on their own machine using
Verify , without a call to Frame or a login to your systems.- Signed decision records
- Refusals included
- Verify included
- 04ReleaseNetting
Reduce the funding tied up across your accounts.
Prove a position against the cash on your own books. Net obligations between entities, let your systems settle the residual, and preserve the gross record for tax reporting.
- Group treasury
- Net obligations, settle residuals
- Preserve the underlying record
One Frame.
The tools are included.
- API
- Connect Frame to your systems.
- Console
- Work with your instance and its records.
- Verify
- Check the evidence on your own machine.
Start with Frame
Issuer reserve proof and group treasury are in private preview.
Discuss your first projectYour infrastructure. New possibilities.
Connect your existing systems to digital finance.
Keep the infrastructure you trust. Add policy before release and signed evidence of the reported outcome, while your platforms execute.
The film could not load. Read the complete workflow below, or open the video.
- 01
Keep your infrastructure.
Start with the systems, accounts and connections you already use.
- 02
Check your policy.
Frame Rules checks the instruction before release.
- 03
Your platforms execute.
Your systems execute and report the entries on your books.
- 04
Keep the evidence connected.
Frame Proof links the decision and reported outcome.
Illustrative transfer between accounts within one institution. Your platforms execute and report the entries.
Explore your workflowRead the full workflow
Frame adds a policy decision before release and signed evidence of the reported outcome to existing customer settlement infrastructure. Customer platforms execute and retain their books and keys. This illustrative workflow takes place within one institution. The film is silent. It follows an instruction from an operating account to a treasury account. An approval is required and received; release is then permitted. Customer execution subsequently reports a debit, a credit, and a ledger update. Frame Proof links the instruction, policy decision, and reported result in one signed receipt. The final wide view retains the completed operational details. Frame Rules supplies the policy decision; Frame Proof connects the instruction, decision and reported outcome.
Open the filmIndustries
Your world.
A clearer way to settle.
Different institutions. Different obligations. See where Frame fits in the work your team already does.
Frame for Banks & FIs Scope a bank settlement workflow
Connect new forms of money to the systems you already run.
A client may hold one form of money and need a payment or position in another. Start with the accounts, providers and controls your bank already uses.
Your team's task
Define the source, destination and providers for a bank-money or digital-money workflow.
With Frame
Connect the configured instruction, supplied conversion terms, policy and reported results. Your institution retains custody and execution.
In your demo
Map a stablecoin or tokenised-deposit workflow against your existing accounts and controls. Identify the connections and conversion arrangements to validate.
Evidence your team can use
Request a demo The instruction, governing policy, agreed terms and results reported by connected providers.
Cross-bank corridors work through configured connections. Digital-money connections require scoping.
Explore this industry
Frame for PSPs & processors See a payout allocation
Keep payout instructions, approvals and outcomes connected.
Merchant obligations can span several destinations and providers. Operations needs to follow the approved allocation through to each reported result.
Your team's task
Distribute a known amount across approved accounts and providers.
With Frame
Govern the allocation before release and connect the results your providers report to the original instruction.
In your demo
Walk through one allocation, the checks before release and the provider results your operations team needs to follow.
Evidence your team can use
Request a demo The payout instruction, destination allocation, policy decision and reported outcomes.
Subject to your integrations, funding and policy. Frame does not supply the payout network or liquidity.
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Frame for Remittance & FX See the settlement workflow
Carry agreed conversion terms through settlement.
The quote, funding source and destination must describe the same payment. Your team needs to follow the agreed rate and amounts through to the reported outcome.
Your team's task
Connect your provider’s quote, source amount and destination requirements.
With Frame
Bind the supplied conversion terms to the instruction and policy decision, then retain the outcomes reported for each leg.
In your demo
Trace a supplied quote through the agreed amounts and rate, the instruction and the reported payment results.
Evidence your team can use
Request a demo The agreed rate, currency amounts, instruction, authority and reported outcomes.
Subject to configured providers, funding and policy. Frame does not provide FX liquidity. Cross-bank corridors work through configured connections.
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Frame for Corporates & treasury Try the netting example
Fund what your group owes after netting.
Reciprocal obligations can offset the amount your group needs to fund. Finance still needs the gross detail for reconciliation and reporting.
Your team's task
Identify eligible obligations, available liquidity and the settlement window.
With Frame
Calculate the eligible net result, let your systems settle the residual and preserve the underlying gross record.
In your demo
Work through illustrative obligations and inspect both the net funding requirement and the original gross record.
Evidence your team can use
Request a demo The original obligations and net result, with the detail needed to reconcile them.
Group treasury is in private preview. Eligibility, currency and settlement window determine the result. The gross record does not determine tax treatment.
Explore this industry
Frame for Exchanges & digital assets See the cash-leg evidence example
Connect the trade to its cash payment.
An asset and its cash payment may use separate endpoints. Your team needs to coordinate the obligations and understand what each reported result means.
Your team's task
Define the asset leg, cash leg, release conditions and execution providers.
With Frame
Scope a governed workflow connecting the paired obligations, policy decisions and results. Your venue and connected providers execute.
In your demo
Map one asset and cash workflow: who executes each leg, which conditions apply and what a counterparty could check.
Evidence your team can use
Request a demo The paired asset and cash obligations, governing decisions and reported results within the agreed scope.
Execution and finality depend on the configured venue and connected providers. Settlement evidence is distinct from proof of solvency or reserve coverage.
Explore this industryThe people behind Frame
Built by people
who know the stakes.
Experience across payments, banking, digital assets and compliance. Brought together to modernize settlement through the systems institutions already use.
WHY WE BUILT FRAME
Modernizing settlement should build on the systems finance already runs. We built Frame to add the controls and evidence around them.
Meet our teamPartner with Frame
Your infrastructure.
A stronger
settlement offer.
For the teams behind the systems institutions already run. Let’s define where policy and proof fit into your offering.
Explore partnerships01Core systems & ledgers
Connect the release step.
Scope where an instruction is checked, how your systems report the outcome and which evidence the recipient needs.
Explore this together02Screening & monitoring
Put existing checks to work.
Bring signed verdicts from the systems an institution already uses into its own settlement policy.
Explore this together03Audit & assurance
Make the evidence usable.
Define the receipt, trust roots and reporting scope your audit or counterparty workflow needs to verify.
Explore this togetherIntegration starts with your customer’s systems, policy and evidence requirements.
Your journey with Frame
From first conversation.
To your first rollout.
Start with what you want to improve. We work with your team to define where Frame fits, validate the workflow and plan how it goes into operation.
Your systems. Your requirements. A path we agree together.
-
Discovery
Define the workflow worth improving.
Together, we establish
A shared problem definition and a focus for your demo.
What you bring to discovery
Your current systems, business and technical owners, and the result you want.
-
Scoped workflow
Agree where Frame fits.
Together, we establish
A defined scope, responsibilities and criteria for validation.
What you bring to scoped workflow
The integration points, policy requirements and teams that own execution.
-
Controlled validation
Test the expected result and the exceptions.
Together, we establish
Reviewed results, refusal cases and gaps to resolve before rollout.
What you bring to controlled validation
Agreed test data and reviewers from technology, operations and risk.
-
Rollout
Plan the move into operation.
Together, we establish
An agreed implementation and recovery plan, with clear ownership.
What you bring to rollout
Your internal approvals, operational owners and release requirements.
It starts with your workflow.
Rollout follows the validation and approvals agreed with your team.
Talk to FrameLET’S GET SPECIFIC
See Frame in
your workflow.
Tell us the workflow you want to improve and the systems you use. We’ll shape a demo around the result your team needs.
Your demo covers
- Your workflow mapped to your existing systems.
- A relevant walkthrough of the controls and execution steps.
- Integration questions and a proposed scope for validation.
Your enquiry
What happens next
The team will review your request and get in touch to arrange your demo.
Request your Frame demo.
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DEMO REQUEST RECEIVEDThank you.
Thank you.
Let’s talk.
The team will get in touch to arrange a demo around your workflow.
Explore the product familyHaving trouble? Email Frame at [email protected]
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