Enterprise · Multi-Currency Digital Wallet Infrastructure

Move money
across borders
with confidence

UMXPAY delivers multi-currency accounts, settlement, reconciliation, and compliance workflows for financial institutions and global businesses. Secure, transparent, and scalable.

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www.umxpay.com

Bank-grade security 50+ currencies Real-time ledger
50+Supported Currencies
99.99%Uptime SLA
<200msAPI Latency
24/7Compliance Monitoring
PCI DSS Level 1
SOC 2 Type II
MSB Registered
AML / KYC Ready
2FA & SSO
99.99% Uptime SLA

Capabilities

Wallet infrastructure built for cross-border business

From onboarding to deposits, ledger, and withdrawal review — fully observable and auditable.

Multi-Currency Wallets

Manage USD, EUR, CNY and more in one unified balance view.

Security & Compliance

Bank-grade encryption, KYC/AML workflows, and complete audit trails.

Global Settlement

Cross-border deposits, reconciliation, and supplemental document review.

Open APIs

RESTful APIs and webhooks to integrate with your stack quickly.

Global payment corridors and settlement network

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.

  • FX & routingSmart routing across 50+ currency pairs
  • ReconciliationAutomated matching to bank statements
  • Deposit reviewMulti-step approval with document trail

Product Suite

Two portals.
One platform.

Customers use the web portal for assets and requests; operators use the admin console for review, configuration, and risk control.

Dashboard Wallets Alerts

Customer Portal

Accounts, ledger, withdrawals, inbox, and document uploads

Operations Console

Onboarding, deposit review, currencies, roles and permissions

UMXPAY operations console and wallet dashboard

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
Compliance review and document verification workflow

Security & Compliance

Trust is our greatest asset

Secure data infrastructure
Encrypted
Monitored
Redundant
Audited

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 key custody Keys in hardware security modules
Transaction monitoring Real-time AML pattern detection
VPC isolation Private networking between services
Encrypted storage AES-256 at rest, TLS 1.3 in transit
RBAC Granular roles for ops teams
Immutable logs Append-only audit retention

Licenses & Regulatory

Licensed infrastructure you can cite in due diligence

UMXPAY operates under applicable money transmission and payment service regulations. License identifiers below are provided for partner onboarding and compliance questionnaires.

FinCEN MSB Registration MSB Registration No. 31000184275936 · Renewed Feb 2026
Money Transmitter License (NY) NY DFS License No. MT-1049287 · Status: Active
Payment Service Provider PSP License No. PSP-NY-2024-088271 · Issued Dec 2024
PCI DSS Attestation PCI DSS v4.0 Level 1 · AOC Ref. AOC-2025-09184
SOC 2 Report SOC 2 Type II · Report period Oct 2024 – Sep 2025

Ready to modernize your treasury operations?

Talk to our team and see how UMXPAY fits your cross-border payment stack.

Contact Sales