Various embodiments relate to a method performed by a processor of a computing system. An example method includes receiving a digitally signed cross-border payment message, the digitally signed cross-border payment message generated by digitally signing a first hash of a cross-border payment message with a first financial institution private key. A first financial institution public key is retrieved, the first financial institution public key of a public/private key pair that includes the first financial institution private key. The first financial institution public key is verified that it is associated with a first financial institution. A second hash of the cross-border payment message is generated. The second hash is digitally signed with the first financial institution public key to generate a verification cross-border payment message, wherein data integrity of the cross-border payment message can be verified if the verification cross-border payment message matches the digitally signed cross-border payment message.