Objective

Design a modular, AI-driven engine to optimize enterprise-level payment routing across stablecoin and fiat rails—minimizing payout cost, reducing settlement delays, and improving liquidity efficiency for Roma’s global clients.

The Problem

Enterprises routing international payouts face inconsistent fees, unpredictable settlement times, fragmented liquidity across rails, and high idle capital buffers.

• Cost Variability: Fluctuating fees across fiat rails and stablecoin networks create unpredictable payout expenses
• Settlement Delays: Inconsistent settlement times across payment channels impact cash flow and business operations
• Capital Inefficiency and Risk: Excess treasury buffers locked up due to lack of intelligent liquidity optimization

The Solution: Transfer Route Optimizer + AI Ops Assistant

A Stablecoin & Fiat Transfer Route Optimizer + AI Treasury Ops Assistant that combines constrained optimization algorithms with AI-driven operational intelligence to automate Roma's treasury and payment routing decisions.

1. Normalizes all inbound transaction data into a unified schema.

2. Optimizes routing via a Mixed Integer Programming (MIP) solver minimizing

   Minimize: α·cost + β·time + γ·risk

   across stablecoin rails, custodial accounts, and fiat networks while respecting liquidity constraints and SLA requirements.

3. Evaluates treasury metrics like idle capital ratios, FX exposure, liquidity buffers.

4. Augments operations with AI, generating insights, anomaly alerts, and compliance summaries.

5. Visualizes KPIs in a lightweight dashboard for real-time monitoring using Grafana and Prometheus.

System Architecture (Modular, Scalable, Enterprise-Ready)

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1. Data Ingestion Layer