Founded in 2018, CXPAG builds the settlement layer that lets payment companies reach new markets without assembling local banking relationships and licenses market by market.
We believe the next generation of financial services will be built by hundreds of specialized payment companies, not a handful of banks — and that each one of them deserves direct access to global settlement rails, without having to become a licensed institution in every market they touch.
CXPAG exists to be that access layer: the connective tissue between local payment rails and international settlement partners, so PSPs, digital banks, and money movement platforms can focus on their own customers instead of their own infrastructure.
We operate — directly and through regulated banking partners — the licenses, liquidity relationships, and compliance infrastructure that cross-border settlement requires: EMI and VASP registrations, money transmission licenses, AML/KYC monitoring, and a network of tier-1 banking and liquidity partners spanning 150+ countries.
Payment companies plug into that network through a single integration, and settle globally on rails they don't have to build or maintain themselves.
We build the rails behind payment companies — we don't compete for their end customers.
Every corridor we open is backed by licensing and monitoring, not just a fast integration.
Real local rails and liquidity in each market, connected into one international settlement network.