Licensed International Banking Institution

Global Payments.
Local Expertise.
Full Compliance.

Bank of Saipan delivers enterprise-grade payment infrastructure — SWIFT wire transfers, RTGS, multi-currency accounts, and AML-compliant settlement for financial institutions worldwide.

Explore Services Online Banking
ISO 27001 Certified SWIFT Ready Real-Time RTGS
60+
Supported Currencies
99.9%
Platform Uptime
<2s
Settlement Speed
24/7
System Monitoring

Core Banking Services

Our Services

Comprehensive payment and banking solutions designed for financial institutions operating at international scale.

SWIFT Wire Transfer

International correspondent banking via SWIFT network. Full MT 103, MT 202 and ISO 20022 MX message support for cross-border transfers.

MT 103 / MT 202 | ISO 20022 MX

RTGS Settlement

Real-Time Gross Settlement for high-value domestic transactions with immediate finality and irrevocable transfer of funds.

Instant Finality | Same-Day Value

Multi-Currency Accounts

Hold balances in 60+ currencies with real-time FX conversion, automated hedging, and consolidated multi-ledger reporting.

60+ Currencies | Live FX Rates

AML / KYC Compliance

AI-powered transaction monitoring, automated sanctions screening (OFAC, UN, EU), and full regulatory reporting per FATF guidelines.

OFAC / UN / EU | FATF Aligned

Trade Finance

Letters of credit, documentary collections, bank guarantees, and supply chain financing to support international trade transactions.

Letters of Credit | Bank Guarantee

Treasury & FX

Liquidity management, interbank FX trading, term deposits, and treasury reporting with real-time position monitoring.

Interbank FX | Liquidity Mgmt

Technology Platform

How a Transaction Works

Every payment processed through BOS follows a rigorous, fully automated pipeline — from initiation to final settlement.

01

Initiation & KYC

Transaction submitted with full identity verification and sanctions screening.

02

AML Screening

AI risk scoring against OFAC, UN, and EU lists. Automated approval or review queue.

03

Rail Routing

Optimal rail selected — SWIFT, RTGS, ACH, or SEPA — based on destination, currency, and value.

04

Settlement & Report

Funds settled with immutable audit log. Real-time confirmation sent to all counterparties.

99.9% Uptime SLA
Redundant infrastructure with automated failover. Monitored 24/7 by our operations team.
AES-256 + TLS 1.3
All data encrypted at rest and in transit. Zero-trust network architecture across all services.
Immutable Audit Trail
Every action time-stamped and tamper-proof. Full transaction history available for regulatory review.

Regulatory & Security

Built to Meet
Global Standards

Bank of Saipan operates under strict regulatory oversight and maintains comprehensive compliance programs aligned with international banking standards. Our platform undergoes regular independent audits.

FATF Recommendations
Full implementation of all 40 FATF recommendations for anti-money laundering and counter-terrorist financing.
Customer Due Diligence (CDD)
Enhanced due diligence for high-risk customers and PEPs, with ongoing transaction monitoring and periodic review.
Suspicious Activity Reporting (SAR)
Automated SAR filing with relevant financial intelligence units as required by applicable law.
Data Protection & Privacy
GDPR-aligned data handling with full data residency controls and right-to-erasure support for all customers.
ISO 27001
Information Security Management System
SOC II Type 2
Security, Availability & Confidentiality
AML / CFT
FATF-Aligned Compliance Program
SWIFT Ready
Full MT & ISO 20022 MX Support
GDPR Compliant
Data Privacy & Residency Controls
PCI DSS
Payment Card Industry Security Standards

About Us

Bank of Saipan —
Serving Global Finance

Bank of Saipan (BOS) is a licensed international banking institution providing payment infrastructure and financial services to institutions across Asia-Pacific, the Americas, and beyond.

Our mission is to deliver reliable, secure, and compliant financial services that enable businesses and financial institutions to operate efficiently in an increasingly connected global economy.

Contact Our Team
60+
Supported currencies across all payment rails
99.9%
Platform uptime guaranteed by our SLA
24/7
Operations monitoring and support coverage
<2s
Average domestic settlement speed via RTGS

"Our commitment is to provide financial infrastructure that meets the highest standards of security, compliance, and operational reliability for institutions of every size."

— Bank of Saipan Executive Team

Access the Administration Portal

Manage accounts, monitor transactions, and oversee compliance from your secure back-office panel.

Open Admin Portal

Get in Touch

Contact Us

Inquiries about accounts, services, or platform integration — our team responds within one business day.

Email
admin@bospay.online
Website
bospay.online
Business Hours
Mon – Fri  08:00 – 18:00
Chamorro Standard Time (ChST)
SWIFT BIC
BOSAIPXX

Send an Enquiry

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