What oxus finance does

Oxus Finance (operating as Oxus Pay LLC, a Delaware-incorporated LLC) is a hybrid finance aggregator that combines traditional SWIFT infrastructure with stablecoin and tokenization rails to deliver cross-border payments, global accounts, and remittance services. Its core technology is a Smart Routing Engine that analyzes 50+ provider combinations in real time to select the lowest-cost, fastest path for each transaction, marketed to be up to 100x faster and 20x cheaper than bank operations. Supporting products include Global Accounts (multi-country pay/receive without local entity setup), Anti-Fragile Accounts (full asset segregation, no fractional reserves), Payroll Automation, Transaction Tracking & Visibility, and Tokenization Solutions, all integrated with licensed Virtual Asset Service Providers (VASPs) and financial institutions.

The company operates exclusively through a B2B2C go-to-market model, delivering its services via API and embedded platform integrations to partners including payment processors (BlindPay), custody providers (Utila), and KYC vendors (Sumsub). End-customer distribution flows through these partners rather than direct sales. Revenue is generated via transaction and remittance fees and FX spreads on cross-border payment volume. Operations are anchored by a Brazilian subsidiary compliant with LGPD and Banco Central do Brasil Resolutions 519, 520, and 521, alongside the US parent compliant with GDPR, CCPA/CPRA, and AML requirements. As of February 2026, Oxus has raised R$14 million in disclosed funding and disclosed enterprise reference customers in chemicals (Sulamericana Química), semiconductors (American Chip), and cryptocurrency (Roderichs Crypto House).

Name

oxus finance

Legal name

Oxus Pay LLC

Website

https://oxus.finance

Company type

Private

Founded year

2025

Operating status

Operating

Headcount range

11–50 employees

Short description

Oxus Finance is a Delaware-incorporated hybrid finance aggregator that combines SWIFT and stablecoin rails to deliver cross-border payments and global accounts to enterprises, distributing through a B2B2C partner API model with anchor operations in Brazil.

Ownership category

akta.pro rank

Product category

Cross-Border Payment Infrastructure

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Security & Commodity Brokers, Dealers, Exchanges & Services (6200)

akta.pro primary industry

Payment Orchestration, Routing & Smart Transaction Management (Crypto) (FSADAIAJ)

akta.pro secondary industries

Liquidity Aggregation & Smart Order Routing (FSADAJAD), Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG)

Keywords

• Cross-border payments
• FX aggregation
• Stablecoin transfers
• Payment infrastructure
• Tokenization services

Headquarters

HQ city

Lewes

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Transaction and Remittance Fees: Revenue generated through transaction fees and spreads on currency exchange for cross-border payments and remittances. The platform acts as a remittance aggregator offering the best route between providers for global transactions.

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Oxus Finance operates a Hybrid Finance Aggregator platform that combines SWIFT and stablecoin rails for cross-border payments. Its proprietary Smart Routing Engine analyzes 50+ provider combinations in real-time to select the most efficient route for global transactions, supporting global accounts, tokenization, payroll automation, and partner-driven B2B2C distribution.

Product overview

Oxus Finance operates as a Hybrid Finance Aggregator platform combining traditional financial infrastructure (SWIFT) with stablecoin and tokenization solutions. The core offering is the Smart Routing Engine that analyzes 50+ provider combinations to find optimal cross-border payment routes. This engine powers Global Accounts and Anti-Fragile Accounts, which provide multi-country payment capabilities with full fund segregation. The platform is delivered through a B2B2C model where partner companies integrate Oxus services via API into their own platforms. Supporting modules include Payroll Automation for international salary payments, Tracking & Visibility for transaction transparency, and Payment Methods Integration connecting various payment rails including Pix. The platform supports stablecoin transfers through licensed VASP partners and tokenization solutions for global enterprise payment flows.

Differentiator

Problem solved

Functional benefit

Products and services

• Smart Routing Engine Proprietary intelligence system that analyzes 50+ provider combinations in real-time to select the most efficient route for cross-border transactions, enabling faster and cheaper operations than traditional banking. Sold via API to enterprise partners.
• Global Accounts Multi-country account solution enabling businesses to pay and receive worldwide without opening legal entities or bank accounts in each country. Offered to enterprise customers and integrated via partner APIs.
• Anti-Fragile Account Account structure protected by total asset segregation and international information security standards where funds are not subject to fractional reserve, maintaining full availability for enterprise customers.
• Stablecoin Transfer Services Digital asset transfer services enabling stablecoin transactions as part of cross-border payment routes, with support for multiple blockchain networks and integration with licensed Virtual Asset Service Providers (VASPs).
• Tokenization Solutions Tokenization infrastructure for representing and transferring value through digital assets, integrated with licensed virtual asset service providers (VASPs) for enterprise payment flows.
• Partner API Platform APIs that enable B2B2C partner integrations, allowing partners to create wallets and virtual accounts on behalf of their clients and provide integrated stablecoin and cross-border payment services to their end customers.

Quantifiable outcome

• Up to 100x faster than traditional systems
• +2 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability4 records

Feature5 records

Partnerships

Five partnerships are on record, tiered core.

• BlindPaycoreTechnology or IntegrationReferenced in partner terms of service. BlindPay is a payment technology partner whose terms govern certain payment processing services integrated with Oxus platform.
• SumsubcoreTechnology or IntegrationIdentity verification partner referenced in terms of service. Sumsub provides KYC/identity verification services as required by law for Oxus customer onboarding.
• UtilacoreTechnology or IntegrationReferenced in partner terms of service. Utila is a wallet/custody provider partner integrated with the Oxus platform for stablecoin management.
• Licensed Financial InstitutionscoreTechnology or IntegrationOxus works with regulated financial institutions and Money Service Businesses (MSBs) to process transactions, generate virtual accounts, and ensure regulatory compliance across jurisdictions including the US and Brazil.
• Licensed Virtual Asset Service Providers (VASPs)coreTechnology or IntegrationCustodial VASP partners create and maintain wallets on behalf of Oxus clients. Oxus acts as a technology intermediary connecting clients to these licensed custody providers.

Scale indicators2 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• dLocal: dLocal is a leading LATAM-focused cross-border payment processor connecting global merchants to local payment methods across emerging markets. Most directly comparable to Oxus in targeting B2B cross-border flows in/out of Brazil and other LATAM corridors.
• EBANX: EBANX is a Brazil-anchored cross-border payments platform serving global merchants and fintechs moving money in/out of LATAM. Comparable to Oxus' aggregator model and Brazil-centric operating geography, including Pix integration.
• Bitso: Bitso is the largest crypto exchange in LATAM, with a payments/remittances business rails that combine local rails (Pix, SPEI, OXXO) with crypto/stablecoin transfers. Overlaps directly with Oxus' hybrid stablecoin-to-fiat cross-border proposition.
• Circle: Circle issues USDC and operates cross-border payment infrastructure that lets businesses move funds globally using stablecoins. Comparable to Oxus as a regulated stablecoin-powered cross-border payments infrastructure provider.
• BlindPay: BlindPay is a payment API built for stablecoin payouts, integrated into Oxus' own flow. Direct overlap in providing developer APIs for stablecoin-to-local-rail cross-border payouts, making it both a partner and a close competitor.

Broad incumbents

• Wise: Wise (formerly TransferWise) is the global incumbent in retail/SMB cross-border payments, offering multi-currency accounts and FX. Broadly comparable to Oxus' Global Accounts and FX proposition, but operates at vastly larger scale and across more corridors.
• Ripple: Ripple (with RippleNet and RLUSD stablecoin) provides enterprise cross-border payments and liquidity using both crypto and traditional rails. Overlaps with Oxus' hybrid stablecoin/SWIFT positioning at the institutional tier.
• Remitly: Remitly is a leading digital remittance platform serving corridors including US-to-LATAM. Comparable to Oxus' payroll/remittance use cases, though Remitly focuses on consumer/diaspora flows rather than B2B.

Emerging players

• Pomelo: Pomelo is a LATAM fintech infrastructure-as-a-service platform that lets banks and fintechs issue cards, accounts, and payment products. Comparable to Oxus as a B2B2C embedded finance/aggregator infrastructure provider targeting the same LATAM customer base.

Others

• Utila: Utila is a digital asset operations platform providing secure custody, wallet, and payments infrastructure for businesses. Comparable as an ecosystem partner integrated into Oxus' stablecoin workflow; adjacent rather than directly competing.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/oxus-finance
• Instagraminstagram.com/oxus.finance

Compliance3 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 oxus finance