NxPay.ee

What NxPay.ee does

NxPay OÜ is a privately held Estonian company headquartered in Tallinn that operates NxPay.ee, a non-custodial crypto payment and accounting automation platform targeting small and medium-sized businesses that are not crypto-native. The product allows users to send payments, manage crypto treasury, and reconcile books by issuing plain-English commands inside Slack or Telegram — for example, "Pay Acme Ltd 2,400 USD for the March invoice" — and claims to complete the full message-to-reconciled-entry workflow in under 30 seconds. Underlying technology connects to third-party self-custody wallets (MetaMask, Coinbase Wallet, Trust Wallet, and WalletConnect for 200+ additional wallets), supports USDC, USDT, and ETH, and syncs categorized transactions natively to QuickBooks and Xero with CSV export as a fallback.

The core proprietary layer is the "AI Bookkeeper," which parses natural-language payment instructions, verifies transaction details, prepares approvals, and categorizes settled payments for downstream accounting sync. New users can create a wallet in roughly 30 seconds by signing in with Google, X, or Apple credentials without managing seed phrases. The platform is positioned as EU-registered and self-attested GDPR compliant, and is offered as a private beta/MVP capped at 50 spots, with pricing not publicly disclosed.

The business model is subscription-based recurring revenue, currently undisclosed in detail, with a product-led go-to-market anchored by a waitlist, self-serve Slack/Telegram onboarding, email outreach via [email protected], and a book-a-call pathway for larger prospects. NxPay targets six SMB verticals — construction and real estate, professional services, e-commerce and retail, tech and SaaS, import/export and logistics, and marketing and creative agencies — emphasizing cross-border contractor payments, supplier settlement, and elimination of manual reconciliation. The company has 1–10 employees, no disclosed funding rounds, no named paying customers, and no management team publicly listed.

Name

NxPay.ee

Legal name

NxPay OÜ

Website

https://nxpay.ee

Company type

Private

Founded year

2026

Operating status

Operating

Headcount range

1–10 employees

Short description

NxPay is a Tallinn-based, non-custodial crypto payment and accounting automation platform that lets SMBs pay suppliers, manage treasury, and reconcile books via plain-English Slack or Telegram commands, with native QuickBooks and Xero sync.

Ownership category

akta.pro rank

Product category

Crypto Payment and Accounting Automation

NAICS

Accounting, Tax Preparation, Bookkeeping, and Payroll Services (54121), Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)

SIC

Services-Prepackaged Software (7372)

akta.pro primary industry

Crypto Payments & Stablecoin Settlement Platforms (BPAMAFAL)

akta.pro secondary industries

Settlement, Reconciliation & Merchant Treasury Tools (Crypto) (FSADAIAK), Payroll & Contractor Payments (Crypto) (FSADAIAH), Invoice, Billing & Subscription Payments (Crypto) (FSADAIAG), Cross-Border FX, Multi-Currency & Treasury for Payments (FSAGABAK)

Keywords

• Crypto payment automation
• Stablecoin treasury management
• AI bookkeeping software
• Non-custodial wallet platform
• Accounting reconciliation tools

Headquarters

HQ city

Tallinn

HQ country

Estonia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Subscription/Platform Fees: MVP stage - specific pricing not publicly disclosed. The company is currently in private beta with 50 spots remaining.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

NxPay is a non-custodial crypto payment and accounting automation platform that allows SMBs to pay suppliers, reconcile books, and manage stablecoin (USDC, USDT, ETH) treasury via plain-English Slack or Telegram commands. The product processes natural-language payment instructions, automatically categorizes and syncs transactions to QuickBooks and Xero, and supports multi-wallet connectivity through MetaMask, Coinbase Wallet, Trust Wallet, and WalletConnect. Built-in AI Bookkeeper completes payment-to-reconciled-entry workflow in under 30 seconds.

Product overview

NxPay is a single unified crypto payment and accounting automation platform designed for SMB owners. The core NxPay product provides wallet connectivity (MetaMask, Coinbase Wallet, Trust Wallet, WalletConnect), payment processing via Slack/Telegram messaging, AI-powered automatic categorization and reconciliation (AI Bookkeeper), and direct sync to QuickBooks and Xero accounting software with CSV export. The product is non-custodial and EU-registered/GDPR compliant. Currently offered as a private beta/MVP with 50 spots remaining.

Differentiator

Problem solved

Functional benefit

Products and services

• NxPay Platform Non-custodial crypto payment and accounting automation platform for SMBs that pays suppliers, reconciles books, and manages stablecoin (USDC, USDT, ETH) treasury via plain-English Slack or Telegram commands. Provides AI-powered automatic categorization, multi-wallet connectivity (MetaMask, Coinbase Wallet, Trust Wallet, WalletConnect), seed-phrase-free wallet creation, and direct sync to QuickBooks and Xero. Target users are SMB owners and finance managers who are not crypto-native.

Quantifiable outcome

• Payment settlement and book reconciliation in under 30 seconds

Named customers1 record

Segments6 records

Ideal customer profiles6 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

AI capability3 records

Feature5 records

Partnerships

Eight partnerships are on record, tiered core.

• QuickBookscoreTechnology or IntegrationAccounting software integration for automatic payment reconciliation and book sync. NxPay exports transaction data directly to QuickBooks.
• XerocoreTechnology or IntegrationAccounting software integration for CSV export and transaction reconciliation. Enables automated bookkeeping workflow.
• MetaMaskcoreTechnology or IntegrationSupported wallet for treasury management. Users can connect existing MetaMask wallet to NxPay for payment automation.
• Coinbase WalletcoreTechnology or IntegrationSupported self-custody wallet. Users can connect Coinbase Wallet for managing crypto treasury within NxPay.
• Trust WalletcoreTechnology or IntegrationSupported mobile wallet for treasury connectivity. Enables NxPay users to manage payments from Trust Wallet.
• WalletConnectcoreTechnology or IntegrationOpen protocol enabling connection to 200+ wallets. Provides broad wallet interoperability for NxPay treasury management.
• SlackcoreTechnology or IntegrationPrimary interface platform. Users interact with NxPay through Slack channels, issuing payment commands and receiving notifications.
• TelegramcoreTechnology or IntegrationAlternative messaging platform for NxPay interaction. Users can manage crypto payments through Telegram bot.

Scale indicators2 records

Recent moves1 record

Expansion highlights5 records

Market position

Competitive moat4 records

Key highlights6 records

Customer concentration

• Xx.com/NxPayApp

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about NxPay.ee