Canny is a B2B global payments marketplace that helps any Bank or Fintech, to launch cross border payments in any part of the world and monetise their user base with just a few lines of code. Through Composable, Multi-Tenant Cloud-Native technology and Pay as you Grow business model, we enable our clients to offer a multitude of financial products that’s equipped to support the creation of an inclusive, interconnected digital economy where the end consumer always has access to the best product in the market (through financial marketplace) and can consume the product end-to-end without leaving the platform. Canny’s marketplace is not only a product discovery platform but brings in end to end execution capabilities. Our technical innovation is an abstraction layer that enables easy integration with multiple remittance partners on one end, while simultaneously offering a coherent and single interface on the other end to enable a standardised, end-to-end fully digital flow catering to all aspects of remittance service. This brings in price transparency, speedy execution and wider coverage. With our remittance marketplace along with "Request to Pay / Invoice to Pay '' features, we are enabling Banks and FIs to offer additional product segments as a new revenue line, we become a revenue centre instead of a cost centre. RTP/ITP is a B2B2C encrypted messaging system. It's a new flexible approach to manage and settle bills, and invoices between businesses and organisations, as well as among friends, it sits on top of existing payment marketplace infrastructure. The payer will be able to pay in full, pay in part, ask for additional time, or decline to pay for each request message, as well as start a conversation with the requester. It allows the individual or organisation being requested to pay more control and provides the biller with all of the information needed to reconcile a payment once it arrives. The framework is not just for a closed group of people.