Dollar-anchored FX infrastructure. Built for emerging markets.

Real-time execution with instant local settlement, enabling high-volume inbound and outbound flows.

Book a demo

Dollar-anchored FX infrastructure. Built for emerging markets.

Real-time execution with instant local settlement, enabling high-volume inbound and outbound flows.

Book a demo
Woman with short hair in white shirt and rolled-up jeans sitting on a wooden chair, looking at her phone next to a window with an invoice graphic showing settled payment of KSh 516,000 and USD 3,997.78.
Man seen from behind looking out at a city skyline during sunset with a graphic overlay showing a confirmed rate lock: 18,000,000 INR at 89.8, equivalent to $200,400 USD.
Two women smiling and walking on a busy street under a clear blue sky.
Digital globe showing continents with dotted red patterns and white curved lines connecting various country flags and currency codes.
Woman wearing a black knit hat and jacket looking to the side with an ocean background and a financial balance consolidation overlay showing BRL 37,166.47 paid and USD 7,800.01 consolidated.
Smiling woman walking barefoot on a sandy beach with ocean waves in the background and a graphic overlay showing a completed currency settlement from ₦3,675,000 to $2,501.36.
Two men smiling and walking on a busy city street with shops and pedestrians around.
Who we are

CrossFX operates behind the scenes, enabling global institutions and payment platforms to provide their customers with reliable access to emerging markets.

By combining deep USD liquidity with direct local market access, we enable clients to scale across regions where FX volatility and settlement friction drive cost and unpredictability.

The problem

Emerging markets are your highest growth opportunity. They're also your most expensive corridors to operate.

Diagram of currency connections showing the US dollar (USD) linked with Nigerian Naira (NGN), Mexican Peso (MXP), Singapore Dollar (SGP), and Brazilian Real (BRL) with various percentage and alert icons indicating increase and time delays.
Icon of a percentage mark with a directional arrow

FX Volatility

Volatile local currencies create unpredictable USD to local FX conversion, eroding margins on inbound transactions.

Icon of an exclamation point

Settlement Friction

Fragmented local rails increase operational overhead and slow settlement, further restricting USD inflows.

Dollar Scarcity

Limited dollar liquidity drives wide outbound spreads, restricting USD access for clients operating in these markets.

Our solution

A cross-border liquidity layer designed to increase transparency, optimise settlement, and reduce costs.

Diagram showing USD at the center connected to the currencies NGN, MXP, SGP, and INR, each represented with their country flags for Nigeria, Mexico, Singapore, and India respectively.

01

Dollar-anchored FX

USD-benchmarked pricing with a transparent local spread, enabling predictable, real-time execution.

02

Frictionless Settlement

Direct connectivity to local banks and mobile money networks, with cash access for maximum reach.

03

Reliable Liquidity

Contribute USD liquidity through inbound flows to access discounted outbound FX with priority execution.

What we do

Fiat in. Fiat out.
Stablecoin-powered execution in between.

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Inbound

Send USD or stablecoins, convert at market FX rates, and deliver local currency to bank accounts and mobile money wallets.

Outbound

Send local currency, convert at competitive FX rates, and receive USD or stablecoins to your account, digital wallets, or a specified recipient.

For EUR, GBP, and HKD flows, our just-in-time bridge enables reliable execution without prefunding.

Why choose us

Cheaper, faster, and better than anything else in the market.

47%

Lower inbound costs

At prevailing market FX rates, with a transparent local settlement fee.

50%

Lower outbound costs

‍Access discounted USD liquidity, with pricing linked to inbound volume.

100%

Aligned infrastructure

Dedicated to power your products, never to compete for flow. 

Traditional providers
Illustration of a person sitting on an orange sofa working on a laptop with a desk lamp on the side.
Cost
3–5%
<1%
Speed
> 1 day
< 30 minutes
Availability
Banking hours
Always on, 24/7/365
Connectivity
Bank accounts
Bank accounts, MoMo, cash
Our Network

Your trusted FX partner for fast growing corridors.

Live across Africa’s core markets, covering ~70% of the continent’s payment volumes. Expanding into Asia and Latin America’s most inefficient FX corridors.

Global

For PSPs and institutions sending money to emerging markets. Real-time FX and instant payouts, designed for speed and consistency.

Local

For clients accessing USD from emerging markets. Designed to reduce uncertainty and improve access in markets where supply is constrained.

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For regulated institutions

No prefunding  

We operate as an API-driven technology infrastructure provider without holding client funds.

Deterministic execution

Fully on-chain execution delivers instant conversion, minimising FX and duration risk.

Atomic settlement

Transactions complete atomically. If a leg fails, funds are automatically returned.

Fully compliant

Built-in KYC & AML, transaction monitoring, and full audit trails ensure secure, verified access.

CrossFX payment dashboard showing account balances for North America, Africa, and South America, a line graph of transactions from Jan 10 to Jan 16, and a pie chart with account balances in USD and local currency.

See it in action

See what your pricing looks like, access our sandbox API, and go live in under four weeks.

Book a demo
CrossFX exchange dashboard showing balance of $352,831.75, 831,062 trades, market info for USD/INR and USD/COP, portfolio value chart, and currency conversion between USD and COP.