UX Capital offers UX Dual, a payment platform that automatically invests every deposited peso in a high‑liquidity mutual fund, generating daily returns without user action. When users pay with the UX QR code, the spent amount remains invested until month‑end, providing real‑time visibility of balances and yields while keeping funds fully accessible and compliant with regulations.
Funding
Funding not disclosed
Founders
Product
Problem
Consumers often see the purchasing power of their cash diminish because everyday spending does not generate any financial return, and traditional banking products require active management to earn interest. This limits the ability of individuals and businesses to grow their liquidity while covering routine expenses.
Solution
UX Dual is a payment platform that automatically allocates every deposited peso into an immediate‑liquidity mutual fund (FCI), generating daily returns without user intervention. When a user pays with the UX QR code, the amount used for the transaction remains invested, continuing to accrue interest until the end of the month. The system provides real‑time visibility of balances and accrued yields, ensuring that funds are always accessible and transparent. By integrating investment and payment functions, UX Dual turns routine purchases into a continuous source of passive income while maintaining full regulatory compliance.
Target Audience
Primary users are individual consumers seeking to earn returns on everyday spending, as well as merchants and manufacturers who want to offer a value‑added payment option that enhances customer loyalty.
Features
- Automatic routing of all deposited funds into a regulated, high‑liquidity FCI that yields daily interest
- QR‑based checkout that deducts payment amounts while keeping the underlying capital invested until month‑end
- Real‑time dashboard showing available balance, accrued daily returns, and transaction history
- Immediate fund availability for withdrawals or additional purchases, preserving liquidity
- Compliance with local financial regulations and transparent reporting of fund performance