Dollar-anchored FX.
Built for emerging markets.

Lower FX costs and faster settlement between global and emerging markets with no prefunding.

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The problem

Emerging markets are growing. Moving money through them is still too expensive.

01 FX Volatility

Local currency volatility makes conversion costs harder to predict on inbound flows.

02 Settlement Friction

Fragmented local payment rails increase payout costs and settlement time.

03 Dollar Scarcity

USD scarcity increases outbound FX spreads and makes dollar access more expensive.

Our solution

Lower FX costs. Faster settlement. No prefunding.

Transparent FX
USD-anchored FX rates with transparent pricing and competitive corridor spreads.

Reliable Liquidity
On-demand liquidity access across emerging markets, without prefunding.

Fast Settlement
Fast local payouts to bank accounts, mobile money and digital wallets.

Get Sandbox access View documentation

What we do

Both directions, one integration.

Inbound

Send USD or stablecoins, convert into local currency, and settle to bank accounts or mobile-money wallets.

POST /transfers

directioninbound

sendusd | stablecoin

deliverlocal currency

settle_tobank | mobile_money | cash

Outbound

Send local currency, convert into USD or stablecoins, and settle to bank accounts or digital wallets.

POST /transfers

directionoutbound

sendlocal currency

deliverusd | stablecoin

settle_toaccount | wallet | recipient

Why choose us

Built to power your products, not compete for your flow.

More ways to reach local markets

Connect to bank accounts, mobile money and digital wallets through the same infrastructure.

Your customer stays yours

Operate behind your product while you retain the brand, experience and customer relationship.

Traditional providers

Pricing

Hidden FX premiums

Visible corridor spreads

funding

Prefunded balances

Just-in-time settlement

Connectivity

Bank accounts only

Bank accounts, mobile money and wallets

Our Coverage

Live regions and rollout.

Fund in global currencies. Pay in and pay out locally across emerging markets.

Africa · Live now / Southeast Asia · Next up / South Asia · Next up / Latin America · Next up

NGN · KES · GHS · ZAR · EGP · XOF · XAF · TZS · UGX · RWF

Our corridors

For regulated institutions

Just-in-time conversion

Converts EUR, GBP and more to and from USD at execution.

Deterministic execution

Trades execute against predefined conditions, reducing execution risk.

Atomic settlement

If any leg fails, funds are returned automatically.

Compliance controls

KYC, AML, transaction monitoring and full audit trails

POST /v1/quotes 200 OK

# Request a locked rate
$ curl -X POST https://api.crossfx.com/v1/quotes \
    -H "x-api-key: $CROSSFX_KEY" \
    -d '{"corridor":"USD/GHS","amount":"100000"}'

# Response
{
  "corridor":    "USD/GHS",
  "rate":        "12.02",
  "locked_for":  "30s",
  "settlement":  ["bank", "mobile_money", "cash"],
  "prefunding":  false,
  "custody":     "licensed_partner"
}

FAQ

Questions, answered

Everything you need to know before your first corridor goes live.

View all FAQs

What is CrossFX?

CrossFX is a dollar-anchored FX and settlement infrastructure provider. We enable regulated institutions like you to move money between global and emerging markets with lower FX costs and faster settlement, in both directions, through a single API.

How does your pricing work?

Inbound transfers (USD to local) are priced against prevailing market rates, with no markup on the underlying execution cost. Outbound transfers (local to USD) use a corridor spread benchmarked to the USD market rate, discounted by the USD liquidity you contribute through your inbound flows.

Do I need to prefund?

No. Settlement is just-in-time, so funds move only when the trade does. You do not need to hold balances with us in each market.

Which markets do you cover?

We are live across 12 African markets: Nigeria, Ghana, Kenya, Ivory Coast, Senegal, Benin, Cameroon, South Africa, Egypt, Uganda, Tanzania and Rwanda. Expansion is planned across North and East Africa, then South-East Asia, South Asia and Latin America. Our corridor coverage page shows each corridor's status and pricing type.

Does CrossFX hold client funds?

No. We operate as an API-driven technology provider and do not hold client funds.

Who is CrossFX for?

CrossFX is built for regulated and licensed businesses that move money into or out of emerging markets. This includes PSPs, fintechs, remittance companies, banks and other financial institutions.

How quickly can we go live?

Start with one high-volume corridor, for example USD to NGN or USD to KES. You receive API credentials and a test environment within 48 hours, then run a 4-week live pilot at agreed pricing with daily reporting. After review, we expand corridors and agree production SLAs.

What makes CrossFX different?

CrossFX is built around four things:

Pricing. We execute at the prevailing USD market rate plus a visible corridor spread, with no hidden FX premiums.
Funding. Settlement is just-in-time, so you never need to hold prefunded balances.
Connectivity. We pay in and pay out to bank accounts, mobile money and digital wallets, not bank accounts alone.
Confidence. We power your products and never compete for your customers.

Do you work with end customers or businesses directly?

No. CrossFX is infrastructure only. We operate behind your product, and you keep full ownership of your customer relationships.

Talk to us about your corridors

Tell us your corridors and volumes, and we'll show you exactly what it costs.

Get Sandbox Access View documentation