Qube
Qube is a privacy-first cross-border payment platform that lets users send money through a chatbot payment app with settlement in minutes and fees shown upfront. The platform uses zero-knowledge compliance to verify users once without exposing identity documents to every bank in the transaction chain, and settles through a proprietary stack combining identity, stablecoin, FX, and DID layers. The app is live for consumer remittances across more than 50 countries with local delivery.
- Financial Technology
- Blockchain & Cryptocurrency
- Web3 & NFTs
- Software Only
- Regulatory & Compliance Technology
Funding
Founders
Founder details are not available yet.
Product
Problem
Cross-border payments are often slow, costly, and opaque, with high fees, hidden spreads, and lengthy processing times. Traditional banking intermediaries also force senders to share personal identity data with every institution in the chain, creating privacy risks and a fragmented compliance burden.
Solution
Qube provides a fast, low-cost, privacy-first cross-border payment platform that lets users send money through a chatbot payment app, with settlement in minutes and fees and arrival times shown upfront. The platform verifies users once using zero-knowledge compliance, allowing them to prove KYC/AML without exposing their identity documents to every bank or vendor in the transaction chain. Qube settles through a proprietary stack that combines identity, stablecoin, FX, and DID layers into one integration, enabling atomic settlement across fiat and stablecoin rails. The app is live for consumer remittances, with platform modules planned for B2B partners and broader payment corridors.
Target Audience
Primary users are individuals sending remittances to family and friends across borders, particularly on high-volume corridors, as well as B2B partners and financial institutions that will integrate Qube's platform modules for their own cross-border payment services.
Features
- Chatbot-driven payment interface with voice wizard for initiating and confirming transfers in natural language
- Zero-knowledge KYC: users verify once and reuse compliance proofs without resharing documents at each hop
- Settlement in minutes with upfront fees and arrival times
- no hidden spreads mid-route
- Patent-backed stack (six patents) collapsing identity, stablecoin, FX, and DID into one platform, replacing four separate vendors
- Atomic cross-chain settlement protocol and graph-based dynamic routing for least-cost paths across fiat and stablecoin liquidity
- On-chain escrow and arbitration for disputes, replacing chargeback queues
- Global coverage across more than 50 countries with local delivery