M10 Networks is solving the problems associated with transferring money internationally, so people worldwide can do business without friction. M10’s bank-grade digital money rail enables banks to increase their financial agility and evolve a new suite of international transfer services for their corporate and retail customers. It allows banks to use digital money instead of conventional payment systems to perform international transfers, settlements and remittances instantly and at a low cost. The M10 network can be used for central bank currencies, inter-bank transfers, capital markets, treasury management, IoT, B2B, P2P transactions and more. Unlike other payment rails, M10’s centralized, shared and hierarchical ledger complies with all banking regulations worldwide, does not use blockchain or cryptocurrency and integrates easily with a bank’s existing infrastructure.