Cross-border money, without the friction.
FYNIX is a regulated cross-border payments platform with multi-currency wallets and named virtual accounts. We power tuition, salary, and family remittance flows for migrant students and workers — through licensed partners across the US, EU, UK, Middle East and APAC.
Four segments. One platform.
FYNIX launches with students and migrant workers — the two flows with the sharpest need for regulated, low-cost cross-border rails. SMEs and government / G2P programmes follow.
Tuition, living expenses, and everything in between
Signup, KYC, institution linking, named funding accounts, sponsor top-ups, wallet visibility, tuition initiation, and support — built for migrant students and their families.
See the student platform →Salary collection and remittance, made formal
Local salary collection, KYC'd wallets, and licensed payout to family back home — replacing informal channels with an auditable, price-competitive platform.
See the worker corridor →Multi-currency accounts for cross-border SMBs
Named USD/EUR/GBP/AED collection accounts, supplier payouts, and FX for import-export businesses trading across FYNIX corridors.
SME roadmap →Named wallets for every beneficiary
Bulk KYC'd beneficiary wallets, scheduled disbursements, and per-programme ledgers for government, aid, and employer welfare transfers across FYNIX corridors.
Government & G2P →Product and orchestration on top. Regulated rails underneath.
FYNIX is the product, ledger and support layer. Our licensed partners hold funds, move money, and handle regulated obligations in each market. This keeps our MVP fast to ship — and clean to audit.
- ✓ One backend, provider adapters — not five monoliths
- ✓ FYNIX ledger as canonical record for reconciliation
- ✓ Role-aware admin, MLRO, agent and super-agent consoles
- ✓ Audit trails, AML report catalog, SAR workflows built-in
A lean rail stack, standing on regulated shoulders
A curated set of licensed partners covers named virtual accounts, outbound payouts, local collections, FX, and APAC last-mile — all through a single onboarding pack.
Multi-currency accounts
Named USD, EUR, GBP and AED virtual IBANs — the primary account layer for student sponsor top-ups, worker salaries and SME collections.
Global payout & FX
Outbound payouts, local collections and corridor-tailored FX — delivered through our regulated global payout partner across launch markets.
APAC local rails
MYR, SGD, INR and LKR flows through our Singapore entity and APAC partner — including local instant-payment rails and future card issuance.
Phase-two roadmap: coverage without commitment
A secondary SEPA relationship sits ready as backup, and treasury-layer integrations remain candidates once volumes justify them. Our next US IBAN sponsor-bank arrangement is in active conversation. Coverage grows as demand does — never ahead of it.
From origination to payout — mapped end to end
Our operations pack ships with six representative corridor diagrams and target vIBAN coverage across ten jurisdictions. Difficult markets like UAE and Japan are staged, not day-1 commitments.
Students first
India → UK, India → US, India → Australia, India → EU (SEPA). Sponsor-funded tuition and living-expense flows with parent- and student-side wallets, both KYC'd separately.
Workers next
UAE → India, Singapore → Bangladesh worker remittance. Salary collection at origin, licensed payout at destination, formal KYC and daily reconciliation across all three ledgers.
US → Mongolia
A partnership-led remittance corridor with a US-based Mongolian exchanger and licensed Mongolia-side bank / NBFI. Three-rail contingency: SWIFT fallback, PSP-direct base case, and destination-bank direct upside — all priced 2.00–2.75%.
Built for underwriters, not headlines.
FYNIX is a regulated cross-border payments and remittance platform with multi-currency wallets and named virtual accounts, operated through licensed partners. Every material aspect of the platform — from wording to jurisdictions to eligibility — is designed to review cleanly with our sponsor bank, payout partner and compliance counterparts.
- ✓ 18+ eligibility across the board. No minor accounts at launch. Parent-funded students use separately KYC'd wallets.
- ✓ Written operations document mapping entities, verticals, money flows, vIBAN coverage, and controls.
- ✓ Careful language. No "digital banking" claims — we describe FYNIX for what it is: regulated payments infrastructure.
- ✓ Wave-based coverage. UAE and Japan sequenced — not committed to day-1.
Named accounts across 10 launch jurisdictions
Highlighted markets are Wave 1 launch targets. Remaining markets sequenced by provider readiness and licensing paths.
Ready to move money the way it should move?
Whether you're a partner, a founder, or a family sending money home — start here.