One sponsor fee. Distribution aligned by who brings the program.
Best for direct enterprise, government, foundation, insurer, treasury, benefits, and regulated payout programs sourced by Granullo.
Best for bank-led, rail-led, embedded finance, sponsor-bank, and channel-distributed programs.
Model your economics in real-time. No estimates, no assumptions — live calculations.
At $10M governed value, here is what each misuse archetype costs without Granullo — and what $50,000 in fees prevents.
Same payment executed twice due to retry or webhook duplication
Funds released before contractual milestones are verified
Payments routed through degraded providers with reduced verification
Funds routed outside approved geographic or jurisdictional boundaries
Same claim processed and paid through multiple channels
Vendor paid without confirmed delivery of goods or services
Preventing incorrect movement at 50 basis points costs a fraction of what leakage, fraud, reversals, and compliance violations cost after money has already moved.
Misuse Downside = Program Volume x Leakage Rate x Impact Multiplier
50 bps is mathematically trivial compared to structurally prevented misuse.
How distribution is determined — and why it matters for rail partners.
When Granullo directly engages the program sponsor — enterprise, government, foundation, insurer, or treasury — the source-of-record is Granullo.
The payment rail receives 30% of Granullo revenue (15 bps effective). This reflects distribution economics where Granullo owns the sponsor relationship.
When the sponsor arrives through a payment rail partner channel — bank-led, embedded finance, or channel-distributed — the source-of-record is the rail.
The payment rail receives 50% of Granullo revenue (25 bps effective). This reflects the rail's role in origination and ongoing distribution.
Source-of-record is set contractually at sponsor creation. It is a one-time determination, not a per-transaction decision. The rail share reflects distribution and partner economics, not execution ownership. Granullo never moves money — the rail executes.
Model your specific program assumptions and export a boardroom-ready memo.
Everything you need to know about Granullo pricing.