Nxos provides a regulated operating account that unifies fiat banking, stablecoin wallets, and on/off-ramp conversion into a single dashboard and API. The platform enables cross-border trade settlement in USD, EUR, AED, and other currencies alongside USDC, USDT, and BTC, replacing the need for separate bank accounts, OTC desks, and crypto exchanges. It is designed for businesses operating across the fiat-crypto boundary, including commodity traders, funds, and Web3 companies.
Funding
Funding not disclosed
Founders
Product
Problem
Cross-border trade settlement requires juggling multiple disconnected platforms—bank accounts, OTC desks, and crypto exchanges—each with separate logins, manual reconciliation, and slow correspondent banking rails. Businesses operating across fiat and stablecoins face fragmented workflows, high settlement costs, and limited access to dollar liquidity in emerging markets where local banking is unreliable.
Solution
Nxos provides a regulated operating account that spans fiat and crypto in one place, offering multi-currency accounts with dedicated IBANs and wallet addresses for USD, EUR, HKD, SGD, AED, USDC, USDT, and BTC. The platform enables instant on/off-ramp conversion between fiat and stablecoins at near-zero fees, with settlement across 30+ countries available 24/7/365. Users can hold, convert, and settle both rail types from a single dashboard or through full API access, eliminating the need for separate bank accounts, OTC desks, and exchanges. Nxos also offers treasury yield on idle stablecoin balances through tokenised treasuries, keeping capital productive between trades. The platform is registered as a FINTRAC MSB in Canada, providing regulatory compliance for AML and other financial obligations.
Target Audience
Primary customers are commodity traders, funds (VC, hedge, RWA, private credit), and Web3 companies that need to move capital across the fiat-crypto boundary for cross-border settlement, including producers and suppliers in emerging markets who prefer stablecoin payments.
Features
- Multi-currency accounts holding fiat (USD, EUR, GBP, HKD, SGD, AED, JPY, AUD, CAD) and stablecoins (USDC, USDT, BTC) with dedicated IBANs and wallet addresses
- Instant on/off-ramp conversion between fiat and stablecoins with near-zero fees (0.01% per transaction) and no intermediaries
- Full API access for automated on/off-ramping, balance queries, and settlement triggers, enabling integration into existing trade operations and accounting systems
- Treasury yield on idle stablecoin balances through tokenised treasuries and yield-bearing assets
- Settlement across multiple blockchains including Ethereum, Solana, Base, Arbitrum, BSC, and Tron
- Regulated under FINTRAC MSB registration (C10001343) with compliance for AML and anti-fraud requirements