Nexos Technologies provides a protocol for linking messaging and settlement into a single platform to be used across multiple industries and use cases. Enterprise clients can access the protocol through API gateways and open source SDK's and gRPC and Rest interfaces. The Nexos functionality can be incorporated with banking and payment tools including real-time payments, settlement, fraud detection, accounts, debit/credit cards, peer-to-peer, BSA/AML, reporting & compliance, etc. and the archaic legacy infrastructure that is a staple in most banks throughout the US and around the world.