NOXXO

Noxxo Modern Infrastructure for Global Payments

We make global money movement accessible.Noxxo connects bank rails, PSPs, wallets, FX pathways, and digital asset into one unified solution — so businesses can move funds quickly, transparently, at scale and with regulatory clarity.

Our Mission

To redefine global payments by building invisible, interoperable infrastructure that powers the
next generation of financial applications — making money movement faster, cheaper, and
borderless.

What we are

One unified platform for global payment flows

Noxxo is a payments middleware layer bridging traditional finance and digital assets. We standardize domestic payments, international rails, FX, wallets, and compliant digital asset pathways into a single platform and API.

Faster access to new markets
Lower operating costs — sub-2% versus typical 3–6% merchant fees
Clear payment timelines — near-instant to T+1 versus 2–5 day delays
One operational layer across all regions and rails

Core Products

Our toolkit of Products

Unified FX API

One API for cross-border payments with smart routing and transparent interbank FX rates.Features:
● Dynamic routing through optimal pathways
● Multi-currency accounts to reduce conversion frequency
● Programmatic hedging and treasury tools
● No hidden spreads or intermediary fees

Pay-In & Pay-Out Network

100+ countries using local bank rails and wallets. Up to 4× cheaper than cards, near-instant settlements & interbank FX rates in 45+ currencies.Capabilities:
● Direct-to-bank network — no SWIFT dependencies
● Coverage across Europe, UK, Africa, Asia-Pacific, and Americas
● Embedded KYC/KYT/AML on every transaction
● Real-time tracking and automated reconciliation

Payment Gateway

Accept payments globally with intelligent routing. Sub-2% transaction costs.Features:
● Smart routing engine optimizing each transaction
● Same-day settlements with FX included
● Automatic tax compliance and e-invoicing
● Cards and local payment methods supported globally

Global On-Ramps & Off-Ramps

Compliant fiat-digital asset conversion in 80+ countries. Instant deposits and withdrawals with no
minimums — from $1 to $1M+What you get:
● Instant conversion between 35+ fiat currencies and major digital assets
● Regulatory coverage with licensed pathways
● Competitive rates with transparent pricing
● Full chain monitoring and compliance built in

Consumer Payment Systems

Ready backend for wallets, cards, and in-app finance features with compliance and ledgering
built in.What's included:
● Embedded wallets with passkey authentication (no seed phrases)
● Social recovery — funds never lost
● Virtual and physical card issuance
● Secure yield through short-term Treasury instruments
● Fully embedded — no separate wallet app needed

Corporate Payments Consulting

Advisory for payment architecture redesign, digital asset integration, and compliance frameworks and how to benfit from Fintech 2,0Services:
● Payment architecture audits and optimization for enterpises across all sectors
● Treasury optimization for multi-currency flows
● Regulatory navigation and compliance design
● Build vs. buy analysis for payment roadmaps

Why NOXXO

Industries We Serve

Case Studies

Sector	Description
Instant Remittances	A money transfer app lets users in London send GBP that arrives as INR in Mumbai bank accounts in under 10 minutes — at interbank rates, with full compliance, at a fraction of traditional costs.
Digital Asset Exchange Operations	A crypto exchange enables users to deposit local fiat from 80+ countries and withdraw winnings directly to bank accounts — seamlessly bridging digital assets and traditional banking without friction.
Embedded Finance for Super Apps	A ride-hailing app launches an in-app wallet where drivers receive instant payouts, users top up with local payment methods, and the platform earns yield on float — all without building financial infrastructure.
Global E-Commerce at Scale	A European fashion retailer accepts payments in 40+ countries using local payment methods, settles to their preferred currency instantly, and cuts processing fees by 60% — all while maintaining a seamless checkout experience.
Multi-Country Payroll	A remote-first company pays employees across 30 countries in their local currencies through local rails, with automated compliance, same-day delivery, and unified treasury management.
Marketplace Settlement	An online marketplace collects payments from buyers worldwide, holds funds in escrow, then disburses to sellers in their local currency automatically — with transparent FX and instant reconciliation.
Treasury Optimization	A fintech manages multi-currency flows across operations in 15 countries, executing FX conversions at optimal times with interbank rates, reducing annual treasury costs significantly while maintaining full visibility.