Innovation Description: We developed a technology that is 100% based on AI. This new tech is a revolutionary method of maximizing profit for our company and yet, minimizing cost to the end user. It consists of atomizing a transaction, and letting our AI pick the best route. In summary, our platform receives an order from an individual user or a business, who needs to send money from Mexico to Colombia for instance; our system will analyze in microseconds, which payment route (rails) will maximize our revenue and still be the most competitive option for the beneficiary. How this is done: We start by having not just one, but dozens of local payment partners or methods, and when a quote for local payment is initiated our AI will analyze all the possible combinations of getting those funds into the beneficiaries hands. No matter if the beneficiary selects a bank or cash payment, we have several ways to move those funds, thur different partnerships. Some could be corresponding bank, a local fintech partnership, a stablecoin liquidity provider (Stellar), Visa Direct, a wallet, etc. Our “AI Payment” software will quickly analyze all these options in real-time and always provide the best option for the beneficiary while maximizing our profit.