Built to power your products

Dollar-anchored FX and settlement infrastructure for regulated PSPs. One API. Real-time execution, instant local settlement, no prefunding.

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Dollar-anchored FX infrastructure. Built for emerging markets.

Real-time execution with instant local settlement, enabling high-volume inbound and outbound flows.

Book a demo
Woman with short hair in white shirt and rolled-up jeans sitting on a wooden chair, looking at her phone next to a window with an invoice graphic showing settled payment of KSh 516,000 and USD 3,997.78.
Man seen from behind looking out at a city skyline during sunset with a graphic overlay showing a confirmed rate lock: 18,000,000 INR at 89.8, equivalent to $200,400 USD.
Two women smiling and walking on a busy street under a clear blue sky.
Digital globe showing continents with dotted red patterns and white curved lines connecting various country flags and currency codes.
Woman wearing a black knit hat and jacket looking to the side with an ocean background and a financial balance consolidation overlay showing BRL 37,166.47 paid and USD 7,800.01 consolidated.
Smiling woman walking barefoot on a sandy beach with ocean waves in the background and a graphic overlay showing a completed currency settlement from ₦3,675,000 to $2,501.36.
Two men smiling and walking on a busy city street with shops and pedestrians around.
The problem

Emerging markets are your highest growth opportunity. They're also your most expensive corridors to operate.

01

FX Volatility

Volatile local currencies create unpredictable USD to local FX conversion, eroding margins on inbound transactions.

02

Settlement Friction

Fragmented local rails increase operational overhead and slow settlement, further restricting USD inflows.

03

Dollar Scarcity

Limited local USD liquidity widens outbound spreads, making the return leg unpredictable to price and to fund.

Our solution

Pricing, liquidity and settlement, handled in one integration.

Every quote is benchmarked to the prevailing USD rate with a corridor-specific local spread, and locked before you commit.
It executes against local banks, mobile money networks and cash agents, so the payout lands the way the recipient actually gets paid. And both legs are funded by flows already moving in that corridor, so the rate holds and the settlement clears without anyone prefunding it.
One integration. Consistent execution at scale.
What we do

Both directions, one integration.

Inbound

Send USD or stablecoins, convert at market FX rates, and deliver local currency to bank accounts and mobile money wallets.

POST /transfers
directioninbound
sendusd | stablecoin
deliverlocal currency
settle_tobank | mobile_money | cash

Outbound

Send local currency, convert at competitive FX rates, and receive USD or stablecoins to your account, digital wallets, or a specified recipient.

POST /transfers
directionoutbound
sendlocal currency
deliverusd | stablecoin
settle_toaccount | wallet | recipient
Why choose us

Dedicated to power your products, never to compete for your flow.

No markup on the rate

Lower inbound costs

At prevailing market FX rates, with a transparent local settlement fee.
A discount on the spread

Lower outbound costs

‍Access discounted USD liquidity, with pricing linked to inbound volume.
Traditional providers
Illustration of a person sitting on an orange sofa working on a laptop with a desk lamp on the side.
Cost
3-5%
Shown in full, per corridor
Speed
> 1 day
< 60 minutes
Availability
Banking hours
Always on, 24/7/365
Connectivity
Bank accounts
Bank accounts, MoMo, cash
Our Network

Where we're live, and where we're going next.

Global to local. Local to global.

Access emerging-market currencies through a singleintegration. Fund transactions and receive proceeds in supported globalcurrencies, with local pay-in and pay-out connectivity across our network.

Book a demo
Coverage
Global currencies
Access local currency pay-in and pay-out capabilities across our emerging-market network
USD
EUR
GBP
USDT
USDC
Market
Currency
Pay-out and Pay-in
Status
Ghana
GHS
Bank, mobile money, cash
MTN MoMo, Airtel Money, AirtelTigo Money, Vodafone Cash
Live
Nigeria
NGN
Bank, mobile money, cash
Live
Kenya
KES
Bank, mobile money, cash
Airtel Money, M-Pesa
Live
Cameroon
XAF
Bank, mobile money, cash
MTN MoMo, Orange Money
Live
Ivory Coast
XOF
Bank, mobile money, cash
MTN MoMo, Orange Money, Moov Money, Wave
Live
Egypt
EGP
Bank, mobile money, cash
Real-time
Live
South Africa
ZAR
Bank, mobile money, cash
Capitec Pay, MTN MoMo SA
Live
Tanzania
TZS
Bank, mobile money, cash
Airtel Money, M-Pesa, Mixx by Yas, HaloPesa, T-Pesa, Azam Pesa
Live
Senegal
XOF
Mobile money, bank, cash
Orange Money, Wave, Free Money
Live
Benin
XOF
Bank, mobile money, cash
MTN MoMo, Moov Money, Celtiis Cash
Live
Uganda
UGX
Mobile money, bank, cash
MTN MoMo, Airtel Money
Live
Rwanda
RWF
Mobile money, bank
MTN MoMo, Airtel Money
Live
Ethiopia
ETB
Bank, mobile money, cash
Coming soon
Malawi
MWK
Bank, mobile money
Coming soon
Somalia
SOS
E-wallet, bank, mobile money, cash
Coming soon
Tunisia
TND
E-wallet, bank, mobile money, cash
Coming soon
Morocco
MAD
Bank, mobile money, cash
Coming soon
Mozambique
MZN
Bank, mobile money
Coming soon
Indonesia
IDR
Bank
Coming soon
Malaysia
MYR
Bank
Coming soon
Philippines
PHP
Bank, e-wallet
Coming soon
Myanmar
MMK
Bank, e-wallet
Coming soon
Thailand
THB
Bank
PromptPay
Coming soon
Vietnam
VND
Bank
Coming soon
Cambodia
KHR
Bank, e-wallet
Coming soon
India
INR
Bank
UPI, IMPS
Coming Soon
Sri Lanka
LKR
Bank
CEFTS
Coming Soon
Mexico
MXN
Bank
SPEI
Coming Soon
Brazil
BRL
Bank
Pix
Coming Soon
Colombia
COP
Bank
Bre-B
Coming Soon
Argentina
ARS
Bank
Transfers 3.0
Coming Soon
Peru
PEN
Bank
CCE Immediate Transfers
Coming Soon

For regulated institutions

No prefunding  

We operate as an API-driven technology infrastructure provider without holding client funds.

Deterministic execution

Fully on-chain execution delivers instant conversion, minimising FX and duration risk.

Atomic settlement

Transactions complete atomically. If a leg fails, funds are automatically returned.

Compliance controls

KYC and AML checks, transaction monitoring and full audit trails on every transaction.

Talk to us about your corridors

Tell us your corridors and volumes, and we'll show you exactly what it costs

Book a demo
CrossFX exchange dashboard showing balance of $352,831.75, 831,062 trades, market info for USD/INR and USD/COP, portfolio value chart, and currency conversion between USD and COP.