The MoneySwitch protocol offer Just-In-Time Liquidity to licensed cross-border payment providers. MoneySwitch is at core a DeFi protocol, where a layer of smart contracts on the Avalanche blockchain run and manage all the liquidity flows. A Fintech layer on top creates a simplified and scalable user experience, as well as bridging to real world fiat to break down barriers which restrict traditional finance, thereby fundamentally changing the nature of cross-border payments by moving it from a pre-funding model to a on-demand model. With this two-layer setup MoneySwitch is able to harness the power of blockchain, allowing liquidity to flow unconstrained from when the banks are open, without having to take on the complexities and learning curve of using Blockchain.