Platform — Rails
Every rail,routed
Value settles on Algeria's own rails and the roads that leave the country. The platform is designed to work with each of them, and to choose between them — one instruction in, the right rail out.
01 — The rails
Where value finally settles.
The roads money travels in and out of Algeria, and the one that never leaves the platform.
ARTS
Real-time gross settlement
Domestic · DZD · one by one
Large-value and urgent payments settled individually, in real time, between banks — the rail for the transfer that cannot wait for a batch.
ATCI
Interbank clearing
Domestic · DZD · cleared between banks
The everyday rail: transfers, payroll and collections cleared between Algerian banks.
SWIFT
Cross-border
International · foreign currency
The road for money that leaves or enters the country — the supplier abroad, the payment from a corridor.
Card
Card schemes
Authorisation · clearing
The card tap and the online checkout, authorised through the scheme the card belongs to.
Book
Book transfers
On the platform · ledger only
Between two accounts on the platform itself: the money moves in the ledger and never needs an external rail.
These are the rails the platform is designed to work with. They are not memberships held by Pixely: access to each runs through the institutions and the authorisations it requires.
02 — Routing
One instruction, the right rail.
You say what should happen. The platform is built to decide how — which rail, at what moment — and to tell you when it has.
- 01
Instruct
One payment instruction, the same shape whatever the destination. The rail can be named, or left to the platform.
- 02
Route
Amount, urgency, currency and destination decide the rail — real-time settlement, clearing, card, cross-border or book.
- 03
Settle
The payment travels on its rail, under the policy that cleared it, with its status streamed back as it changes.
- 04
Reconcile
The rail's confirmation comes back to the ledger and is matched to the instruction that sent it. Nothing is reconciled by hand.
03 — The rules of the road
Built around Algerian law.
Who may move money, and how, is set by statute and by the Banque d'Algérie. These are the texts the platform's payments are designed around.
Law · Algeria
Monetary and banking law
The monetary and banking law: the frame every payment in Algeria sits inside.
Regulation · Algeria
Payment service providers · Banque d'Algérie
The Banque d'Algérie's rules for the authorisation, licensing and operation of payment service providers.
Law · Algeria
Electronic commerce
The law on electronic commerce, for the merchant collections and checkouts the rails carry.
04 — Partnerships
Build therails with us
Banks, institutions and technology partners: talk to us about the rails, the routing and how the platform is designed to connect to them.