The publication of record for cross-border commerce
A Wyoming-chartered editorial house that underwrites, settles, and chronicles regulated commerce across forty-seven jurisdictions with quiet, unhurried rigor.
EDITED IN CHEYENNE, WYOMING
— LETTER FROM THE EDITOR —
When we set out to build Sintrio, we observed that payment infrastructure had been written almost exclusively in the language of dashboards and developer sprints. The literature was thin. The voice, when it existed, was the marketing voice. And the operators we spoke with — careful people running careful companies across borders — were being asked to trust a category that refused to publish itself.
We took a different premise. Payment infrastructure deserves an editorial voice. It deserves to be covered, by its own makers, with the same rigor a financial publication brings to its beat. We publish our terms in plain prose. We publish where reserves are held and which banks hold them. We publish our partners, our jurisdictions, and the auditors who review our books.
What follows in these pages is not a product brochure. It is the first issue of a publication of record for the operators who move money across borders for a living. We are pleased you are reading.
Eleanor Faulkner
Founder & Editor in Chief
— THE THREE PILLARS —
CUSTODY
Client receipts settle into segregated trust accounts with our partner banks across three jurisdictions. Reserves are reconciled daily, attested quarterly, and published in our annual letter to operators. Custody is the foundation; everything else follows.
Read moreCOMPLIANCE
We hold ourselves to the standards of a regulated financial publisher. Our KYB program, transaction monitoring rulebook, and breach playbooks are documented, version-controlled, and reviewed by external counsel. Independent assurance is published twice a year.
Read moreCOMMERCE
We work with operators of legitimate cross-border merchant programs: digital goods, professional services, regulated marketplaces, and licensed SaaS. We are deliberate about who we onboard, because the integrity of our book is the integrity of our publication.
Read moreThe merchant economy has globalized faster than the rails that settle it. A storefront in Lisbon now bills a buyer in Sao Paulo in seconds — and waits, on average, twelve business days for the money to land.
Most of that delay is not technical. It is the accumulated cost of an industry that treats settlement as an afterthought, parked behind opaque reserves and rolling holdbacks no operator can audit.
Our position is that the operator should be able to read their own ledger the way a publisher reads its print run: line by line, dated, signed, and reconciled to the bank. That is what we have built toward.
In this first issue, we set out the standards we hold ourselves to — T+1 settlement, published reserves, named partner banks — and the methodology by which we intend to be judged.
By the Editorial Board
8 min read
“A merchant in Singapore should not wait twelve days to be paid by a customer in Toledo.”
— THE NUMBERS · MARCH 2026 —
FIGURES AS OF 31 MARCH 2026 · NEXT REPORT JUNE 2026
— THE INDEX · SERVICES A–Z —
Authorization and capture of card transactions across global card networks.
Disputed transactions returned by the issuer; we manage evidence and response.
Data processing agreement governing controller and processor responsibilities under GDPR.
Multi-currency conversion at transparent mid-market rates with a published spread.
Know-your-business onboarding diligence performed on every merchant we underwrite.
Merchant of record service in which Sintrio holds the contractual customer relationship.
Scheduled bank transfers of settled balances, denominated in your home currency.
Rolling holdback applied to specific risk profiles; published and time-bound.
Movement of funds from card networks into client trust at T+1 standard.
Calculation, collection, and remittance of indirect tax across forty-seven jurisdictions.
Risk review and exposure setting performed before any merchant goes live.
Signed event notifications delivered to your endpoint for every state change.
— THE MASTHEAD —
Founder & Editor in Chief
Sets the editorial standard for everything Sintrio publishes and underwrites.
Head of Compliance
Oversees the rulebook, the regulators, and the merchant onboarding desk.
Head of Engineering
Builds the platform with the patience of a print compositor at work.
Head of Operations
Runs settlement, reconciliation, and the day-to-day rhythm of the book.
— THE APPLICATION —
If you are running a regulated, cross-border merchant program and would like to be considered for the book, write to the editorial desk. We respond personally to every inquiry.
RESPONSES WITHIN TWO BUSINESS DAYS.
Sintrio LLC · Cheyenne, Wyoming · Set in Playfair Display & Inter.
