Aether Ghost Engine is embedded financial protocol translation infrastructure for production deployment, protocol-pair routing, and integrator-led settlement workflows. Deploy it inside your environment. it speaks the financial languages that move the world — 32 protocols today, expanding with every release — invisibly, under your brand.
Every new payment rail your platform needs to support adds months of engineering, new compliance paths, and new operational risk. This compounds with every rail you add.
Every new protocol requires integration logic with every existing one. 10 protocols = 90 integration pairs. The math destroys engineering velocity.
Enterprise service buses demand protocol-pair routing rules that grow quadratically. Aether reduces that complexity by normalizing each payment rail into a common translation layer, while preserving adapter-specific requirements for integrator completion and submission. impossible at scale.
Adding a new payment rail — SEPA, PIX, a new blockchain — takes 3–6 months of specialist engineering, testing, and compliance review.
Teams spend more time maintaining protocol plumbing than building product. New market opportunities are missed because integration can't keep pace.
Aether applies a compiler architecture to financial protocols. Each protocol is normalised once. All protocols immediately interoperate with each other.
Adding a new protocol requires one adapter. All existing 32 protocols immediately interoperate with it. No routing rule changes. No re-testing pairs.
Deploys entirely under your brand. No Aether branding in any customer-facing interface. Your customers see your technology, not ours.
No outbound network calls. No vendor servers. No phoning home. Aether runs entirely inside your infrastructure. Your team controls it completely.
Serve multiple customers from a single deployment. Per-tenant configuration isolation. Rate limiting and audit logging per tenant.
Tier M handles 10,000 transactions per second with millisecond-level latency. Horizontally scalable behind a load balancer.
SHA-256 hash chain logging on every transaction. Tamper-evident. Regulator-ready. Continues running even during license expiry.
32 protocols speak incompatible data formats at the byte level. Aether does not wrap them — it compiles each one into a single Canonical Intent Format, then emits natively into the target. Here is exactly how.
| PROTOCOL FAMILY | WIRE FORMAT | AETHER ADAPTERS | COUNT |
|---|---|---|---|
| Structured XML Rails ISO 20022 · pacs.008 · camt | Structured XML schemas with namespace validation. Heavy payload, strict field ordering, schema-validated envelopes. | SWIFT SEPA TARGET2 RTGS SIC CHAPS ISO20022 | 7 |
| Bitmapped Binary Systems ISO 8583 · Fixed binary | Compact bitmapped binary arrays. Byte-level field offsets, MTI headers, precision-critical binary parsing. | ISO8583 VISANET MASTERCARD | 3 |
| Domestic ACH & Instant Rails ASCII batch · JSON API | Space-delimited ASCII batch files or real-time JSON REST APIs. Routing number based. High volume, low latency. | ACH BACS FPS FEDWIRE ZELLE PIX PAYNOW FAST_PAYMENT | 8 |
| Blockchain State Engines JSON-RPC · Protobuf · Binary | Cryptographically signed payloads. Chain-specific serialization — RLP encoding (Ethereum), Base58 (Bitcoin/Solana), Protobuf (Cosmos). Non-deterministic fee markets. | BITCOIN ETHEREUM RIPPLE STELLAR POLYGON SOLANA CARDANO ALGORAND POLKADOT COSMOS | 10 |
| Consumer Digital Rails JSON REST · RSA-2048 signed | JSON REST with RSA-2048 or HMAC-SHA256 request signing. Merchant/buyer identifier model. Timestamped nonce-based replay protection. | ALIPAY WECHAT_PAY | 2 |
| Trading & Financial Messaging FIX Tag=Value · ASCII | Tag=Value ASCII pairs delimited by SOH byte. Session-level sequencing, heartbeat management, execution report streams. | FIX | 1 |
| Emerging Cross-Rail Standard Canonical-native | XRT (Cross-Rail Transaction) is Aether's own open protocol — designed to be the native interchange format for engines that speak Canonical Intent natively. | XRT | 1 |
Every protocol — regardless of wire format — compiles into the same intermediate structure. This is what makes N² impossible: each adapter knows only its native format and Canonical Intent. Nothing else.
This boundary is intentional. Aether runs entirely inside your perimeter. Zero vendor dependency. Zero regulatory surface. Your compliance stack unchanged.
Every adapter emits a JSON structure template for integrator completion. This table shows exactly what Aether provides vs. what your infrastructure completes.
| PROTOCOL | AETHER EMITS (JSON STRUCTURE) | INTEGRATOR COMPLETES & SUBMITS | WIRE FORMAT |
|---|---|---|---|
| SWIFT MT103 | Fields 20, 23B, 32A, 50K, 59, 70, 71A, 71F, 71G | Real BICs, DN mapping, session mgmt, FIN submit, ACK/NAK handling | MT (FIN) |
| SWIFT MX (pacs.008) | ISO 20022 XML structure with all mandatory elements populated | BIC/DN resolution, signature, InterAct submit, camt.025/054 handling | ISO 20022 XML |
| SEPA Credit Transfer | pain.001.001.03 structure with IBAN, BIC, amount, remittance | IBAN validation, reachability check, EBA CLEARING submit, R-transaction handling | ISO 20022 XML |
| ACH (NACHA) | Batch header, entry detail, addenda records (CCD/PPD/CTX) | Routing number validation, batch numbering, ODFI submit, return processing | ASCII fixed-width |
| Fedwire | Fedwire message structure (type 1000) with all mandatory tags | Master account validation, FRB submit, IMAD/OMAD tracking, drawdown handling | Proprietary binary |
| Bitcoin | Unsigned transaction JSON: inputs, outputs, amount, scriptPubKey | UTXO selection, fee estimation, signing, broadcast, confirmation monitoring | Raw TX hex / JSON-RPC |
| Ethereum | Unsigned tx JSON: to, value, data, gasLimit, maxFeePerGas, nonce | Gas estimation, nonce management, signing, broadcast, receipt polling | RLP / JSON-RPC |
| Ripple (XRPL) | Payment transaction JSON: Account, Destination, Amount, Fee, Sequence | Sequence management, signing, submit, validation monitoring | Binary / JSON-RPC |
| ISO 8583 (Card) | Bitmap + fields (MTI, 2, 3, 4, 7, 11, 12, 13, 14, 22, 25, 35, 41, 42, 49) | Acquirer routing, MAC calculation, network submit, response handling | Binary packed |
| PIX (Brazil) | PIX payload JSON: chave, valor, infoAdicionais, txid | DICT key resolution, SPI submit, QR code generation, devolution handling | JSON REST / JSON-RPC |
| Alipay / WeChat Pay | Pre-create / pay request JSON with all business parameters | Merchant cert, RSA signing, gateway submit, async notify handling, refund API | JSON REST + RSA |
| FIX 4.4/5.0 | Tag=Value message: 35=D (NewOrderSingle) or 35=8 (ExecutionReport) | Session logon, sequence numbers, heartbeats, SOH delimiting, FIX gateway | ASCII SOH-delimited |
| RTGS | pacs.008 structure with IFSC, senderBIC, receiverBIC, amount, reference | Real IFSC validation, beneficiary validation, RBI submit, UTR tracking | ISO 20022 XML / Proprietary |
| CHAPS | CHAPS payment structure with sort codes, amount, reference | Sort code validation, Bank of England RTGS submit, CHAPS UID tracking | Proprietary / ISO 20022 |
| BACS | BACS bulk payment structure with service user number, sort codes | Service user validation, BACS submit, 3-day cycle, return handling | ASCII fixed-width |
| SIC | SIC payment structure with clearing numbers, message type | Clearing number validation, SIC submit, Swiss Interbank Clearing routing | ISO 20022 XML |
| TARGET2 | TARGET2 pacs.008 with BIC, amount, reference, settlement priority | BIC validation, ECB TARGET2 submit, settlement tracking, liquidity mgmt | ISO 20022 XML |
| FPS (UK) | FPS payment structure with sort codes, account numbers, reference | Sort code validation, FPS submit, 2-hour settlement, recall handling | ISO 20022 JSON / Proprietary |
| ISO 20022 (Generic) | pacs.008 / camt.053 / pain.001 generic structures with all elements | Schema validation, debtor/creditor mapping, network submit, R-transactions | ISO 20022 XML |
| Stellar | Payment operation JSON: source, destination, asset, amount, memo | Sequence management, signing, horizon submit, path payment handling | XDR / Horizon REST |
| Polygon | Unsigned tx JSON: to, value, data, gasLimit, maxFeePerGas, nonce | Gas estimation, nonce management, signing, broadcast, receipt polling | RLP / JSON-RPC (EVM) |
| Solana | Transaction message JSON: instructions, accounts, recentBlockhash, feePayer | Blockhash management, compute budget, signing, broadcast, confirmation | Binary / JSON-RPC |
| Cardano | Transaction body JSON: inputs, outputs, fee, ttl, certificates, metadata | UTXO selection, fee calculation, signing, submit, chain following | CBOR / JSON-RPC (Ogmios) |
| Algorand | Payment txn JSON: sender, receiver, amount, fee, first/last valid, note | Fee estimation, valid rounds, signing, submit, wait for confirmation | MsgPack / Algod REST |
| Polkadot | Extrinsic JSON: call, era, nonce, tip, signaturePayload | Mortal era, nonce mgmt, signing, submit, event watching | SCALE / JSON-RPC |
| Cosmos | Tx JSON: msgs (MsgSend), fee, gas, memo, signatures | Gas estimation, sequence mgmt, signing, broadcast, ABCI events | Protobuf / JSON-RPC (CosmWasm) |
| VisaNet | ISO 8583 structure with Visa-specific fields (MTI 0200, DE 48, 60, 61, 62, 63) | Visa routing, MAC/ACC calculation, VISAnet submit, chargeback handling | Binary ISO 8583 |
| Mastercard | ISO 8583 structure with Mastercard-specific fields (DE 48, 60, 61, 62, 63, 70) | Mastercard routing, MAC/DE 53, Banknet submit, dispute processing | Binary ISO 8583 |
| Zelle | Zelle payment JSON: sender/receiver routing, amount, memo, timestamp | Zelle network routing, enrollment validation, EWS submit, risk scoring | JSON REST / Proprietary |
| PayNow (Singapore) | PayNow transfer JSON: proxy type, proxy value, amount, reference, expiry | Proxy resolution, FAST/GIRO routing, QR code, transaction status polling | JSON REST / FAST |
| FAST Payment | FAST credit transfer JSON: participant IDs, amount, reference, purpose | Participant validation, FAST submit, instant settlement, return handling | ISO 20022 / Proprietary |
| XRT (Cross-Rail) | Canonical-native JSON: intent, actors, asset, context, constraints | No completion needed — native interchange for Aether-to-Aether | JSON over TLS |
{
"senderBIC": "BANKUS33XXX",
"receiverBIC": "BANKGB2LXXX",
"amount": "USD15000,00",
"valueDate": "260115",
"reference": "REF20260115001",
"details": "/RFB/INVOICE-9901"
// 47+ MT103 fields stripped & normalised
}
{
"intent": "VALUE_TRANSFER",
"actors": {
"sender": { "type": "BANK", "id": "BANKUS33XXX", "identifier": "BANKUS33XXX" },
"receiver": { "type": "BANK", "id": "BANKGB2LXXX", "identifier": "BANKGB2LXXX" }
},
"asset": { "type": "FIAT", "currency": "USD", "amount": 15000.00 },
"context": {
"reference": "REF20260115001",
"description": "INVOICE-9901",
"category": "BANK_TRANSFER"
},
"constraints": {
"speed": "STANDARD",
"finality": "HIGH",
"compliance": ["AML", "KYC"],
"allowedAssets": ["FIAT"]
}
}
The same Canonical Intent above emits natively into ISO 20022 pacs.008, ACH NACHA batch, Ethereum transaction, PIX Transfer, or any of the other 28 supported targets — without any protocol-pair mapping.
Banking rails, blockchain networks, card schemes, consumer payment systems, and emerging standards — all in one engine.
Aether is not sold directly to end customers. It is licensed to the infrastructure layers — the companies that build what banks depend on.
Orchestration platforms and core banking providers who need to support multiple rails without re-engineering their stack for each one.
Engine room operators serving fintechs and banks across multiple countries who face the complexity of domestic and cross-border rails simultaneously.
Platforms building settlement and exchange between blockchain networks and traditional banking rails — Aether handles both sides natively.
Technology companies building the middleware layer between legacy core banking systems and modern payment rails and digital asset networks.
One annual license. No transaction fees. No usage metering. No revenue share. Structured for enterprise procurement approval on the first pass. Pricing is provided directly to qualified infrastructure providers on request.
Aether is not a regulated entity and makes zero compliance determinations. AML, sanctions, KYC — that stays entirely with you. Aether is infrastructure logic only.
The ghost engine model means your customers never see Aether. You are the technology provider. You capture the relationship, the revenue, and the margin.
Aether has no remote kill switch and cannot be disabled after deployment. Your operations are never at risk from a vendor decision or outage.
Aether makes zero outbound network connections. No transaction data is transmitted externally. Your compliance and data sovereignty obligations are fully preserved.
Fixed license fee. No per-transaction fees, no volume tiers, no revenue share. Your cost structure is completely predictable as your transaction volumes grow.
This separation is by design. It keeps Aether outside the scope of financial regulation, protects your existing compliance posture, and ensures your sovereignty over your own operations.
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Aether Ghost Engine is licensed exclusively to infrastructure layer providers — payment processors, core banking systems, middleware vendors, and protocol operators. We do not sell directly to end customers or retail fintechs.