Abstract: Systems and methods are provided for cross-border network messaging. An example computer-implemented method includes receiving, from an institution, a transfer request for a real-time transfer, via a real-time payment (RPT) provider, from a sender in a first region to a recipient in a second region. The transfer request includes an amount to be transferred and a proxy unique to the recipient. The method also includes resolving the proxy into account data for an account of the recipient and requesting a quote associated with conversion of the amount from a currency of the first region to a currency of the second region. The method further includes directing the RTP provider to transfer funds, as defined by the quote, from the institution to a liquidity receiver in the first region, submitting the transfer request to a gateway in the second region, and receiving a confirmation of the transfer in the second region.