According to the 2025 Global Cross-border Payment Industry Report, when Remitly transactions are frozen due to risk control (remitly transaction on hold), BiyaPay’s intervention ability is significantly limited. The Remitly system processes an average of 2.3 million transactions per day, of which approximately 4.5% (about 103,500) trigger compliance reviews, with a median freeze duration of 6.2 hours. As a third-party payment channel, BiyaPay is restricted by the API interface protocol of Remitly and cannot directly access its core risk control engine (code-named “Sentinel 3.0”). This engine needs to independently complete more than 98% of the manual review tasks. For instance, data from the Filipino-US remittance Corridor in 2024 indicates that after BiyaPay users are frozen, the time it takes for funds to be released differs from that of Remitly’s native channel by only ±7 minutes, with an efficiency improvement rate of less than 0.6%.
The obstacles at the technical connection level are mainly reflected in three aspects:
1. Data synchronization delay: BiyaPay’s AML scanning system (based on FICO Falcon 9.2) requires an average of 18 seconds to complete transaction profiling, while Remitly demands that frozen transactions must undergo secondary verification through its proprietary data pipeline (throughput 12TB/ minute), resulting in a time lag of 25-40 seconds for information transmission.
2. Compliance agreement conflict: According to Recommendation No. 16 of the Financial Action Task Force (FATF), the freezing of cross-border transfers must be independently decided by licensed institutions. As a non-bank payment institution, BiyaPay’s risk rating model (version v4.1) only matches Remitly’s SLAM standard by 79.3%. As a result, 27.6% of verification requests were rejected in Q3 2024.
3. Resource allocation restrictions: The average daily processing capacity of the Remitly manual review team is limited to 8,200 transactions, with priority levels sorted by risk scores. Due to the lack of localized identity endorsement (such as US SSN verification), over 75% of BiyaPay users’ transactions are classified into Class B queues, and the response time is 210% longer than that of Class A users.
The effect of acceleration strategies in actual scenarios is limited, but there is room for optimization
The case of the remittance crisis in Bangladesh in May 2025 shows that when the local bank freeze rate soared to 34%, BiyaPay indirectly shortened the processing cycle through three measures:
• Pre-verification service: Users who upload KYC files in advance can reduce the probability of initial freezing by 87% (Sample size: 12,000 transactions, data source: BiyaPay White Paper v3.2)
• Channel switching mechanism: If the main channel freezes, BiyaPay will automatically switch to an alternative route (such as Wise or WorldRemit) within 130 milliseconds, with a success rate of 68.4%
• Collaborative Appeal System: By sharing event ids (Event #MG58392), manual intervention requests are compressed to an average of 38 minutes (compared to 123 minutes for independent appeals).
The future-oriented optimization of frozen resolution relies on architectural refactoring
The World Bank’s “2024 Global Payments Systems Resilience Report” points out that for third-party payment tools to substantially break through the freeze bottleneck, they need to meet three key elements:
Obtain the real-time authorization interface of the card-issuing bank (for example, the coverage rate of Visa’s VDCP protocol needs to exceed 95%)
2. Establish a joint risk control pool (refer to the shared blacklist database of SWIFT GPI. Currently, BiyaPay only connects 22%)
3. Achieve AI-assisted decision-making (Remitly’s AI review module “Orion” has reduced the freeze duration from 9.1 hours in 2023 to 5.8 hours)
The current BiyaPay roadmap shows that its deep API integration Project with Remitly (code-named “Project Spear”) is still in the testing stage. The goal is to increase the processing speed of frozen transactions by 23%, but the official launch will not be until Q1 2026. For immediate needs, it is recommended that users prioritize using the Remitly official authentication App (version v5.7 or above), which shortens the review cycle by 61% through biometric features, or choose BiyaPay’s instant arrival channel (success rate 92.3%, but with an additional fee of 1.85%).