Multi-Currency Accounts
Unified visibility across supported currencies for approved corporate customers.
Enterprise · Cross-Border Payment and Settlement Infrastructure
Move money
Move money
across borders
with confidence
UMX PAY INC supports client-directed cross-border payment and settlement workflows for approved corporate customers — with reconciliation, compliance controls, and operational visibility. Secure, transparent, and scalable.
www.umxpay.com
Bank-grade security
50+ currencies
Real-time ledger
50+Supported Currencies
99.99%Uptime SLA
<200msAPI Latency
24/7Compliance Monitoring
Capabilities
Payment and settlement infrastructure built for cross-border business
From onboarding to payment instructions, ledger visibility, and withdrawal review — fully observable and auditable.
Security & Compliance
Encryption, KYC/AML workflows, and complete audit trails within our service scope.
Global Settlement
Client-directed payment and settlement workflows tied to genuine commercial transactions.
Open APIs
RESTful APIs and webhooks to integrate with your stack quickly.
Operating model
Fiat, stablecoin settlement, and compliance
The following describes how UMX PAY INC supports approved corporate customers. Fiat and FX services and stablecoin settlement are provided under separate applicable arrangements with contracted providers.
Fiat and Stablecoin Settlement
UMX PAY INC supports client-directed cross-border payment and settlement workflows for approved corporate customers. USD is currently the primary fiat funding currency. Where required by a genuine commercial payment instruction, settlement may be completed using supported USD-denominated stablecoins, including USDT and USDC, through approved third-party infrastructure.
Non-Custodial Model
UMX PAY INC does not hold, custody, own, or exercise discretionary control over client fiat funds or digital assets and does not hold or control client private keys. Movement, conversion, and settlement are carried out through approved third-party infrastructure based on client-authorised instructions.
Digital Asset Compliance
UMX PAY INC applies customer and business verification, beneficial ownership checks, AML review, sanctions and PEP screening, and ongoing monitoring within the scope of its services. Relevant approved settlement infrastructure applies risk-based blockchain transaction screening where digital assets are involved.
Product Scope
UMX PAY INC does not operate a cryptocurrency exchange, trading venue, order book, or brokerage service and does not engage in speculative or proprietary digital asset trading. Fiat and FX services and stablecoin settlement are provided under separate applicable arrangements. Where a contracted fiat and FX provider is engaged, that provider’s scope is limited to fiat and FX services under the applicable agreement and does not include cryptocurrency trading unless separately confirmed in writing by that provider.
Global Settlement
Real-time visibility across every corridor
Track deposits, FX conversions, and payout status in one ledger. Operators approve inbound funds with full audit context.
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FX & routingSmart routing across 50+ currency pairs
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ReconciliationAutomated matching to bank statements
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Deposit reviewMulti-step approval with document trail
Product Suite
Two portals.
One platform.
Customers use the web portal for account visibility and payment requests; operators use the admin console for review, configuration, and risk control.
Dashboard
Accounts
Alerts
Customer Portal
Accounts, ledger, withdrawals, inbox, and document uploads
Operations Console
Onboarding, deposit review, currencies, roles and permissions
Compliance Ops
Built for regulated payment workflows
Every withdrawal, supplement request, and role change is logged. Risk teams get dashboards, alerts, and exportable evidence packs.
KYC onboarding
Document review
Risk alerts
Audit history
Security & Compliance
Trust is our greatest asset
Data Encryption
Encryption in transit and at rest with tiered key management.
Audit Trail
Every ledger entry links to business records and operators.
Compliance Framework
KYC, supplemental reviews, and multi-level approvals.
HSM-backed cryptographic key management
Platform and API security keys protected in HSMs
Transaction monitoring
Risk-based AML pattern detection
VPC isolation
Private networking between services
Encrypted storage
Encryption at rest and TLS in transit
RBAC
Granular roles for ops teams
Immutable logs
Append-only audit retention
Licenses & Regulatory
Regulatory registration
UMX PAY INC is registered as a Money Services Business (MSB) with FinCEN. Registration details below are provided for due diligence and onboarding questionnaires.
FinCEN MSB Registration
MSB Registration No. 31000333679116
Ready to modernize cross-border payment operations?
Talk to our team about client-directed payment and settlement workflows for approved corporate customers.
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