Building PayoutDelta: An Open Cross-Border Banking Dataset & 100/100 Lighthouse Next.js Engine

When invoicing foreign clients via SWIFT wire, international software engineers and remote agencies frequently lose 3.5% to 8.2% of gross revenue to correspondent banking hops and retail FX markups.

To solve this, I built PayoutDelta—an open benchmark tracking intermediary SWIFT BICs (CHASUS33, CITIUS33), retail spreads, and statutory export tax codes across 50 corridors.

Technical Architecture

• Stack: Next.js 15 (Static Export) hosted on GitHub Pages.
• Performance: 100/100 across Desktop and Mobile on Lighthouse (0.2s FCP, 0.5s LCP, 0ms TBT).
• Privacy: 100% client-side execution with zero third-party tracking or runtime analytics.
• Developer API & Open Data: Provides machine-readable endpoints (/api/fees.json, /llms.txt, and Schema.org Dataset microdata) for automated ingestion.
• Embeddable Cards: Zero-dependency static cards (/embed/[corridor]) that third-party sites can drop into iframes.

Explore the live tool: PayoutDelta
Developer Hub: PayoutDelta Developers
GitHub Repository: github.com/AhmadBilalDSA/payout-delta