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Cross-border payments remain one of the most inefficient areas of global finance. TED Protocol addresses this through decentralized, cross-chain infrastructure.

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Problems

  • Expensive traditional transfers — Banks charge 3-8% on international wire transfers, with additional hidden fees buried in unfavorable exchange rates. Sending $1,000 from the US to Japan can cost $50-80 in combined fees.
  • Slow settlement times — International bank transfers take 2-5 business days to settle. For businesses managing global payroll or individuals sending urgent remittances, these delays create real operational friction.
  • Access barriers — Traditional cross-border payments require bank accounts, KYC verification, and operate only during business hours. The 1.7 billion unbanked adults worldwide have limited options for receiving international payments.
  • Fragmented DeFi solutions — DeFi could be an alternative, but existing protocols each have limitations. Curve offers low slippage, Uniswap provides deep liquidity, but both are limited to single chains and lack cross-chain FX capabilities.

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Our Approach

  • Best rate discovery — TED Protocol queries five DEXs simultaneously to automatically find the most favorable rate. Fees are just $1.50-3.00 for a $1,000 transfer—10-50x cheaper than traditional banking.
  • Fast settlement — Same-chain swaps complete in under 30 seconds, cross-chain transfers in 5-10 minutes. No manual bridging or waiting for business hours.
  • Open to everyone — Anyone with a crypto wallet can use TED Protocol. No bank account or KYC required, and the protocol operates 24/7/365.
  • Secure non-custodial design — Users always retain control of their funds through our non-custodial architecture. Every transaction requires wallet signatures, and smart contracts are fully open-source.

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Who Benefits

  • Individuals — International remittances, freelancer payments, travel currency exchange, cross-chain asset transfers—all faster and cheaper.
  • Businesses — Reduce costs and improve efficiency for overseas payroll, global e-commerce, and treasury operations.
  • Web3 users — DAO contributors, DeFi participants, and NFT traders can easily move funds across chains without complex processes.