Meet the UNYX team at Africa Fintech Fest, London on 8 Sep.JOIN US →
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Meet the UNYX team at Africa Fintech Fest, London on 8 Sep.JOIN US →
UNYX connects regulated financial institutions globally so they can settle cross-border payments directly.
Talk to an Advisor
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Every institution moving money across borders pays away margin at each hop of the correspondent chain and earns nothing on the payments that arrive from abroad. Membership changes both sides of that.
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One connection gives access to all corridors. No lifting fees deducted at each intermediary, no FX spread applied by a bank you never chose.
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When another member settles into your market, the payment routes through you. You’re the correspondent on that leg, and you’re paid for it.
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An access platform sells you routes. A licence host rents you its permissions. In both cases you’re the buyer, and the flow runs one way.
OUR PRODUCTS
The mechanics
Every member is licensed and compliance-checked before it can settle a single transaction. Settle directly, peer to peer, with no chain in between. Scale as every new member opens corridors for everyone already here.
One integration gets you onto the network, not a separate integration per corridor or per counterparty.
Every member is licensed and KYC/AML checked before they can settle a single transaction.
Once connected and verified, members settle peer-to-peer on the ledger. No correspondent chain, no multi-day clearing etc., at each intermediary.
Every new member that joins opens new corridors for everyone already on the network.
UNYX admits only licensed, regulated financial institutions, most members draw on the network and supply it.
PSPs, EMIs, remittance firms and MTOs. Reach corridors you can't get a correspondent for, on one integration.
Regional banks, local payout institutions. Your licence in a hard market is worth something to every member that needs it.
Clearing banks, liquidity providers. Put idle balances and unused rails to work across the network.
Where we operate
Instant corridors across the regions where cross-border friction is highest, and where legacy correspondent relationships are hardest to get and most expensive to keep.
Every member is licensed and verified before it settles, and that verification is recognised network-wide rather than re-run corridor by corridor.
Full detailCross-border settlement is the process of finalizing a payment between institutions in two different countries, transferring value once a payment instruction has been confirmed. It traditionally happens through a chain of correspondent banks. On UNYX, members settle directly with each other on a shared ledger instead.
SWIFT is a messaging network: it tells banks a payment is coming but does not move the funds itself, so the payment still travels through a chain of correspondent banks. UNYX is a settlement network: members hold accounts on a shared ledger and settle directly with each other, without that chain.
UNYX operates across the European Union, the United Kingdom, Africa, non-SEPA Eastern Europe, LATAM, APAC, and North America, connecting regulated institutions in each region to the same settlement network.
Every institution is licensed and KYC/AML checked before it can settle a single transaction on the network. Compliance matching runs automatically on every connection, so members are never settling with an unverified counterparty.
Open crypto networks are typically pseudonymous and do not require licensing to participate. UNYX only admits regulated, KYC/AML-verified financial institutions, so compliance is built into every connection rather than optional.
Copyright ©️ 2026 UNYX AI LTD. All rights reserved.
UNYX AI CA LTD (Ontario Corporation No. 1001253500), a wholly owned subsidiary of UNYX AI LTD (United Kingdom, Companies House No. 16786021), is registered with the Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) as a Money Services Business under registration number C10001322 for foreign exchange dealing, money transferring, and dealing in virtual currency. UNYX AI CA LTD is also registered with the Bank of Canada as a Payment Service Provider under the Retail Payment Activities Act.
UNYX AI CA LTD is not a bank. It does not accept deposits and funds held are not insured by the Canada Deposit Insurance Corporation. Services are provided to regulated financial institutions and are not available to retail consumers.
Virtual assets are not legal tender in Canada, their value can fluctuate, and they are not covered by deposit insurance or investor protection schemes.
Registered office: 251 Consumers Road, Suite 1200, North York, Ontario, M2J 4R3, Canada.
UNYX AI operates a network of independently licensed and regulated financial institutions. UNYX AI itself is not a bank, e-money institution, or payment institution, and does not hold client funds. Products and services made available through the network are provided by member institutions under their own regulatory licenses in their respective jurisdictions and may not be available in all regions.
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