Terrabank Selects TerraPay to Power Cross-Border Pay-to-Account and Digital Wallet Transactions via the Mozrt SmartRails™ Platform

MIAMI – September 29th, 2026 – Terrabank, a Miami-based community bank and affiliate of Grupo Promerica, today announced a strategic partnership with TerraPay, a global money movement company, and Mozrt, a payments technology platform, to modernize and streamline cross-border payments. The collaboration enables Terrabank to offer pay-to-account and digital wallets through the Mozrt SmartRails™ payment platform. Clients will experience enhanced international transfer capabilities for consumer remittances and business payments, helping them move money across borders with greater speed, security, and confidence.

By connecting TerraPay’s expansive global clearing network with the advanced, intelligent routing power of Mozrt SmartRails™, the partnership delivers a completely automated, frictionless cross-border payment experience while significantly increasing transaction speed.

The partnership is expected to deliver several key enhancements for financial institutions and their end-users:

• Compliance First: Integrated fraud prevention, OFAC, and AML checks for secure payments.

• Expanded Reach: Direct access to global digital wallets and bank accounts.

• Enhanced Speed: Accelerated cross-border transactions for faster settlement times.

• Cost Efficiency: Lower, highly transparent fees compared to traditional international wires.

"The value of connecting to a money movement network such as TerraPay is a game-changer for institutions of all sizes," said Jeff Althaus, President and CEO of Mozrt. "Working together with TerraPay and Terrabank is a perfect example of how modern global payments are supposed to work."

For Terrabank, the partnership represents another step in expanding the international banking capabilities available to its clients while maintaining the personalized service and relationship-based approach that have defined the bank for more than four decades.

"Our ultimate goal is to make payments as seamless and intuitive as possible for our clients,” said Antonio Uribe, president and CEO of Terrabank. "Integrating TerraPay's global network of accounts and digital wallets into our existing Mozrt SmartRails™ platform strengthens our international payment capabilities and expands the options available to them.”

The partnership highlights the sheer scale and speed of TerraPay's infrastructure, which, when paired with Mozrt’s smart routing, unlocks massive global reach for Terrabank's retail, business, correspondent banking, and fintech clients.

"Terrabank's ambition for its customers is exactly why we built TerraPay's network the way we did," added Ralph Koker, Head of Europe and Americas, TerraPay. "This partnership gives Terrabank instant access to 150+ countries and payment corridors, turning what used to be days of correspondent banking negotiations into a single integration. That's the kind of reach we strive to deliver to banks, and we are excited about this partnership as it is close to our vision.”

About TerraPay

TerraPay simplifies global money movement, providing a single connection to one of the most expansive cross-border payment networks, regulated across multiple markets. Our network enables payments to receiving and sending countries worldwide, reaching a vast network of mobile wallets, bank accounts, and cards. We make money transfers instant, reliable, transparent, and fully compliant for it's partners, connecting them 7.5Bn+ bank accounts, in 156+ countries. We work behind the scenes as the trusted partners for some of the world’s most innovative financial players, from banks and digital wallets to MTOs, corporates and fintech platforms. On a mission to create a borderless financial world, TerraPay operates Xend – the first of its kind payments interoperability network, enabling secure, real-time cross-border payments, to and from 3.7B wallets through a single, unified connection. TerraPay is headquartered in London, with offices in cities including, Dubai, Milan, Miami, Singapore, Bogota, Johannesburg, Kampala, and Bangalore.

About Terrabank

Established in 1985, Terrabank is a community bank with local vision and a strong global presence. It offers financial products to support South Florida's business sector and local economy by serving select international markets. Through its headquarters in Coral Gables, as well as innovative digital banking services, Terrabank offers distinct financial solutions that create value for its clients. For more information, or to locate a Terrabank branch near you, please call (305) 223-7219 or visit www.terrabank.com.

About Mozrt

The Mozrt SmartRails™ Payment Hub is a modern payment and FX trading hub that seamlessly extends core and online banking capabilities. By centralizing connectivity across domestic, international, FedNow, RTP, ACH, wire, card, wallet, and stablecoin rails, we simplify complex operations. Accessible via an intuitive UI or flexible APIs for embedded banking, our platform features intelligent routing and integrated compliance. SmartRails™ empowers financial institutions to eliminate friction and deliver faster, flexible payment & FX Trade experiences. From live rates to new revenue streams, we turn your payment infrastructure into a competitive advantage.