Cross-border payments have a last-mile problem. Getting money from a bank in Copenhagen to a bank in Nairobi sounds straightforward until you encounter the correspondent banking chains, currency conversion costs, and settlement delays that define most international payment corridors. Inpay was founded in Copenhagen in 2008 to solve that last mile with a network-first approach. Its platform connects to local payment networks in over 100 countries, enabling businesses and financial institutions to deliver funds directly into local bank accounts without routing through multiple correspondent banks. The result is faster settlement, lower costs, and better transparency than the traditional correspondent banking model. Inpay serves financial institutions, fintechs, and enterprises that need to make cross-border payments at scale — payroll for international workforces, supplier payments in emerging markets, and remittance disbursement for money transfer operators. Its Nordic base gives it particular depth in the Scandinavian market, combined with the global network coverage that its payment corridor model requires. In the international payments infrastructure market, the companies that have built genuine local network connections — rather than just routing through the same correspondent banks as everyone else — occupy a structurally different and more valuable position.