Oionx Pay provides a creator‑first wallet that lets founders, creators, and CEOs hold, stake, and manage stablecoins and crypto alongside traditional USD and EUR accounts, all without needing a corporate entity. Users can receive deposits via ACH, wire, or SEPA and use a single global card for borderless payments, with built‑in staking features to grow idle balances. The platform combines financial stability with community tools tailored for the modern digital creator.
Funding
Funding not disclosed
Founders
Product
Problem
Creators, founders, and small businesses often need to receive and spend funds in multiple currencies while also managing crypto assets, but existing solutions separate traditional banking from crypto staking, creating fragmented workflows and limited access to stablecoin yields.
Solution
Oionx Pay offers a unified wallet that combines fiat deposit capabilities with crypto staking and a global payment card. Users can receive USD and EUR via ACH, wire, or SEPA without a corporate account, then spend those funds worldwide through a borderless card that settles transactions instantly. The platform lets users stake stablecoins such as OUSD to earn yield directly from the wallet, eliminating the need for separate DeFi interfaces. All balances, transfers, and staking activities are displayed in a single dashboard, providing real‑time visibility and simplifying cross‑border financial management for creators and entrepreneurs.
Target Audience
Primary users are independent creators, startup founders, and small‑business CEOs who need a single tool to handle international payments, fiat deposits, and crypto asset growth.
Features
- Integrated fiat onboarding (USD/EUR) via ACH, wire, and SEPA with no company registration required
- Borderless payment card that supports global spend in fiat and stablecoins with competitive exchange rates
- Built‑in stablecoin staking engine that generates yield without requiring external DeFi platforms
- Instant peer‑to‑peer transfers and request functionality within the same wallet interface
- Savings module that allows users to allocate funds to low‑risk, interest‑bearing accounts
- Security architecture leveraging Fireblocks for multi‑layer encryption and authentication