Sample RFQ

Sample submissionWhat a buyer fills in before providers see anything. The companion to the sample comparison report.
RF-SAMPLE
Marketplace cross-border payouts
SUBMITTED

Multi-rail global payout sourcing for an EU marketplace

Eight sections below. Free text is sanitised by Railflows admin before any provider sees it. Numeric values are bucketed into bands where appropriate. Buyer identity is anonymised end-to-end until the buyer approves a reveal.

01
Buyer profile

Who is sourcing

Company type
Marketplace platform
Customer type
Mixed B2C + small B2B sellers
Regulated status
Not a regulated financial institution
Headquarters
EU / EEA (anonymised)
Annual revenue
€80M+ (band, not exact)
Years operating
5+
Buyer pain point (sanitised by admin)

Current single-provider setup forces every payout through one card-acquiring partner with no redundancy. Sellers in Latin America regularly receive late payouts on weekends; sellers in Nigeria experience FX losses we can't explain. We need a multi-rail backbone with at least one fallback per corridor.

02
Corridors

Where the money needs to move

FROM → TOCURRENCY PAIRMONTHLYTICKETPREFERRED RAIL
USMX
USD → MXN€2.4M$60–250PIX-style local rail preferred (SPEI)
USBR
USD → BRL€3.1M$50–300PIX required (alternative-payment-method default)
GBIN
GBP → INR€1.6M$40–200UPI / IMPS preferred
EUNG
EUR → NGN€0.9M$60–500NIBSS Instant or off-ramp via stablecoin acceptable
03
Payment types

Rails the buyer wants

Local rails (PIX, SPEI, UPI, NIBSS)SWIFT (fallback)SEPA Credit (EUR leg)Stablecoin on-chain (consider)
04
Volume + settlement

Scale and timing

Monthly volume band
€5M – €25M / month
Average ticket
$50 – $500 per payout
Settlement requirement
T+0 / T+1 preferred · T+2 acceptable on NGN
Prefunding tolerance
Partial prefund OK · standing credit preferred at scale
Cadence
Daily payouts (weekday) · weekly batch acceptable for NGN
Volume seasonality
+40% in Q4 retail peaks
05
Risk + compliance

What the buyer can document

Customer KYC
Sellers KYC'd on-platform (gov ID + selfie + address)
AML programme
In-house (3 FTE), trained, documented in DPIA
Regulated activities
None — buyer is a marketplace, not an FI
High-risk jurisdictions
Nigeria flagged · enhanced due-diligence applied to sellers
Sanctions screening
Daily, OFAC + EU + UK consolidated
Excluded segments
Adult, firearms, gambling, dual-use goods
06
Onboarding constraints

What the buyer can carry

Onboarding timeline
Up to 12 weeks total · prefers 6–8 weeks per provider
Integration
REST + webhooks required · sandbox required · GraphQL nice-to-have
Reporting
Daily reconciliation file · API-driven preferred
Existing relationships
Card acquiring partner in place · settlement provider being replaced
Internal capacity
1 PM + 2 engineers + 1 ops · 3-month window allocated
07
Documents shared

What's been uploaded

  • KYB pack
    4 documents · 6.2 MB
  • 12-month volume history (CSV)
    1 file · 84 KB
  • Sample seller contract
    1 PDF · 240 KB
  • Treasury policy summary
    1 PDF · 180 KB
08
Contact

Who providers will talk to (after reveal)

Identity
Anonymised until buyer approves reveal
Role
Head of Payments (visible on reveal)
Region
Northern Europe (visible to matched providers)
Timezone
CET (visible to matched providers)
What providers see

This is the input. The output is here.

Providers see only an anonymised, admin-curated summary of this submission. Free text is sanitised. Volumes are bucketed. Identity is withheld until the buyer approves a reveal.

See the comparison outputHow disclosure works