This proposal outlines the integration of PCH with Mifos X, an open-source Core Banking solution, to enable secure, interoperable, and real-time payments between financial institutions. By leveraging PCH’s capabilities, institutions can interconnect seamlessly across different payment systems, currencies, and digital wallets—reducing settlement times, lowering transaction costs, and improving access to financial services.

The initiative supports cross-institutional collaboration while aligning with financial inclusion, instant settlement, and regulatory compliance goals.