UNYX connects Financial Institutions Globally

Q: What is cross-border settlement?

Cross-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.

Q: How is UNYX different from SWIFT?

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.

Q: Which countries and regions does UNYX operate in?

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.

Q: How does compliance verification work for new members?

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.

Q: What's the difference between UNYX and an open crypto settlement network?

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.

Get connected with regulated financial institutions so they can settle cross-border payments directly, no intermediaries required.

Access 100+ countries, hold 50+ currencies and earn on global flow into your region.

Become a Partner →

Settlement is a cost line.
On UNYX it’s a revenue line.

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.

Stop Paying

One connection gives access to all corridors. No lifting fees deducted at each intermediary, no FX spread applied by a bank you never chose.

Start Earning

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.

Access Network

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.

How does it work?

Every member goes through the same path: tell us what you need, get verified, connect, and start earning on flow that used to just cost you money.

Request a solution

Tell us the corridors, currencies, and volumes you need. We tailor onboarding to your institution instead of a one-size-fits-all setup.

Join

Mutual due diligence, both ways: we verify your license and compliance program, and you verify ours, before a single transaction moves.

Connect

Go live through the Member Portal, a direct API, or a chat-based interface, whichever fits how your team already works.

Earn

Send, receive, and hold multi-currency, multi-token, and stablecoin balances, and earn on the flow that moves through your corridor.

How it works →

Built for institutions on both sides of a payment

UNYX admits only licensed, regulated financial institutions, most members draw on the network and supply it.

Institutions that move money for clients

PSPs, EMIs, remittance firms and MTOs. Reach corridors you can't get a correspondent for, on one integration.

Institutions with licences and local reach

Regional banks, local payout institutions. Your licence in a hard market is worth something to every member that needs it.

Institutions with liquidity to deploy

Clearing banks, liquidity providers. Put idle balances and unused rails to work across the network.

Where we operate

Live corridors, and the regions they sit in.

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.

World map showing UNYX network coverage across seven regions

Verified once. Recognised across the network.

Every member is licensed and verified before it settles, and that verification is recognised network-wide rather than re-run corridor by corridor.

Full detail

Certifications

ISO 27001 · SOC 2 Type II · GDPR

Jurisdictions

US · UK · EU · APAC · Africa

UNYX connects Financial Institutions Globally

Built by people who have run this system.