Cross-border payouts are on track to exceed $250 trillion by 2027. Marketplaces and payment processors handle a particularly demanding part of that volume, making recurring payouts to thousands of sellers, contractors, and merchants across different markets. To pay each one on demand, they pre-fund an account in every market they serve and leave a balance sitting idle against the day it is needed. Those idle reserves are the real cost of paying at scale, but are increasingly unnecessary with the