Abstract: According to one example embodiment, a computer implemented method performed by a funds transfer computing system, includes registering a beneficiary to a rating system. Registering the beneficiary comprises receiving identifying information including at least one of a receiving account, a financial institution associated with the receiving account, a beneficiary location, a beneficiary name, and an authentication factor. An identity of the beneficiary is validated in response to the received identifying information. A trust score for the beneficiary is generated. The trust score is indicative of the beneficiary's likelihood of being approved to receive funds in an international funds transfer between the beneficiary and a payor.

Abstract: A method comprises receiving, by one or more processors of a computing device and from one or more third-party servers, a request to transfer funds from a first financial account to a second financial account. The request is associated with a user account of the one or more third-party servers and comprises a plurality of parameters. The method comprises selecting, by the one or more processors and based on at least a subset of the plurality of parameters and financial-network data, a financial network, of a plurality of financial networks, over which to transfer the funds. The subset of the plurality of parameters comprises at least one of a cost priority parameter and a speed priority parameter. The financial-network data includes data associated with the plurality of financial networks. The method further comprises initiating, by the one or more processors, transfer of the funds over the selected financial network.