Money infrastructure,
on your own terms.
Paynex is the orchestration layer between your business and the world's banking rails. Issue virtual accounts, hold stablecoin balances, and settle across borders — while we keep the ledger, the compliance record, and the provider relationships behind a single interface you control.
Settlement Ledger
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ACH credit · USD virtual account
+ 42,500.00
USD
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Conversion · USD → USDC
42,500.00
USDC
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Payout · SEPA beneficiary
− 18,240.00
EUR
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Wire credit · corporate treasury
+ 96,000.00
USD
Every movement double-entered. Nothing edited, only reversed.
4
Settlement rails
ACH · Wire · SEPA · Stablecoin
T+0
Internal settlement
Ledger posts on confirmation
1%
Withdrawal fee
No subscription, no minimums
100%
Auditable history
Immutable double-entry record
The Platform
Six primitives that replace a stack of vendors
Most businesses stitch together a bank, a payout processor, a custody provider and a spreadsheet. Paynex gives you the whole path — from the moment funds arrive to the moment they leave — as one coherent system.
Named Virtual Accounts
Issue USD and EUR account details in your own name. Incoming ACH, wire and SEPA funds land where you expect and reconcile themselves.
Stablecoin Treasury
Hold balances in USDC across Ethereum, Solana, Polygon and Base. Convert between fiat and digital dollars without leaving the platform.
Multi-Rail Payouts
Send to a bank account or a wallet address through one request. Paynex chooses the rail, handles the conversion and tracks it to completion.
Internal Double-Entry Ledger
Balances are ours, not a provider's cache. Every credit has a matching debit, corrections are reversals, and history never changes.
Compliance Built In
Identity and business verification, sanctions posture, dual-approval on sensitive actions and a permanent audit trail behind every decision.
Provider Independence
Banking partners are configuration, not architecture. Routing moves between providers per product and currency without touching your integration.
Operating Model
From onboarding to audit trail
01
Establish your identity
Register in minutes and complete individual or business verification. You receive a permanent Paynex account identifier that outlives any banking partner behind it.
02
Receive on real rails
Issue virtual account details and share them with payers, customers or platforms. Deposits are recognised, priced and posted to your ledger automatically.
03
Hold, convert, settle
Keep value as dollars or digital dollars, convert on demand, and pay out to banks or wallets. Every step is reconciled against the same internal record.
04
Prove every movement
Export a complete, immutable transaction and audit history whenever a partner, an auditor or a regulator asks for it.
Commercials
One fee, disclosed before you move a dollar
No seat licences, no minimum balances, no hidden spread on conversion. You are charged when value leaves the platform, and the amount is shown to you first.
Receiving
Free
Every inbound rail, no charge from Paynex
- USD virtual accounts
- EUR SEPA accounts
- USDC on four networks
- Automatic reconciliation
Settlement
Standard1%
A single percentage on funds you move out
- Bank payouts up to $5,000
- Wallet payouts, any supported chain
- 1–3 business day settlement
- No monthly platform fee
Treasury Volume
1% + $2
For settlements above $5,000
- High-value transfers
- Identical settlement speed
- Flat, predictable surcharge
- No tiered negotiation
Worked example — settling $10,000 to a bank account
$100 percentage + $2 flat = $102 total · you receive $9,898
Build on infrastructure you don't have to replace
Open a Paynex account today. Your identifiers, balances and history stay yours as the rails underneath continue to evolve.
Verification typically completes the same day. No commitment, no platform fee.