DANIEL is a FinTech start-up based in London that is building the technology to provide financial institutions with new "plumbing" for international payments. The average cost of a $200 cross-border payment is still c. 7% (c. 9% in low and middle-income countries) and usually takes 1-5 days to settle. This is because the current technology infrastructure is centralised and typically requires payments to pass through numerous intermediaries, each adding a layer of cost and time. Our technology provides financial institutions a revolutionary alternative which displaces the current payment networks like SWIFT to deliver international payments instantly and at a cost of less than 1.5%.