CoLedger Membership

Annual Membership

The secure RMA directory connecting regional banks to the world’s correspondent banking network.

The correspondent banking landscape is shrinking. Your options don’t have to. Regional and community banks face a quiet crisis: the large correspondent banks that once supported international trade are pulling back from less profitable relationships. CoLedger was built to change that.

Your peers already have the connections you need. Currently, regional bankers email each other searching for routing solutions. CoLedger formalizes that collaboration — securely and at scale. Members upload their authorized SWIFT RMA connections and instantly gain visibility into the combined correspondent network of every peer institution on the platform. What one bank can’t do alone, the network does together.

Find a routing path in seconds, not days. Search by SWIFT BIC or country and immediately see which member banks hold bidirectional, authorized RMA connections to your target destination. Direct contact information is provided for immediate bank-to-bank outreach — no intermediaries, no delays, no dropped client relationships.

Protect your clients. Earn new revenue. When a large correspondent exits a corridor, CoLedger gives you options. Route through a peer with the right connection, retain the client, and earn modest fees by offering your own RMA connections to other members. Your existing correspondent network stops being a vulnerability and starts generating returns.

Compliance-ready from day one. Every connection in the directory is self reported as authorized and bidirectional. The platform’s goal is to standardize KYC and generate on-demand due diligence documentation. Each institution may request thier own audit logs as necessary.

What’s Included

• Full RMA Directory Access — BIC and country search across all member institutions, updated quarterly
• Bidirectional RMA Filtering — Only self reported, authorized Send & Receive pairs are surfaced, so every result is actionable
• Direct Contact Information — Trade operations contacts at peer institutions for immediate outreach
• Bank Notification Tool — Alert a member institution of your interest with a single click before you pick up the phone
• On-Demand Due Diligence Forms — Generate pass-through liability documentation instantly for any routing inquiry
• SWIFT KYC Registry & BankCheck Integration — One-click access to compliance profiles for every institution in the directory
• Granular Data Sharing Controls — You decide, at the institution level, who can see your RMA data
• Secure Data Upload Portal — Contribute your SWIFT RMA file via encrypted CSV upload with built-in validation
• Unlimited Users Per Institution — Every banker on your team, one membership

Why CoLedger

• Reduced correspondent dependency — Multiple routing options allows you to not be as dependent on your upstream correspondent bank and find other channels if they can’t or won’t process your transaction.
• Service continuity — Keep international clients served even when upstream relationships change
• Fee revenue from your existing RMAs — Your correspondent connections earn, not just enable
• Collective global reach — Together, members cover corridors no single regional bank could maintain alone
• Compliance-first architecture — Current and future iterations will be built around industry standard information sharing formats
• Your network stays yours — Bank-grade encryption ensures only you control who sees your relationship data

If your bank serves clients with international needs, the question isn’t whether you need correspondent banking relationships — it’s whether you can afford to lose the ones you have. CoLedger gives regional banks the collective strength to answer that question with confidence.

$5,000 / year  |  BAFT members receive a reduced rate