The acceptance network for tokenized money
Making tokenized money ubiquitous.
Backed by leading investors
Digital money moves instantly. Redeeming it does not.
Tokenized money; stablecoins and tokenized bank deposits; can cross borders in seconds. But converting it back to cash at full value requires an acceptance network. Without one, every issuer must negotiate bilaterally with every receiving institution. The complexity scales geometrically. Ubyx collapses it: connect once, reach everyone.
The Redemption Gap
Hundreds of billions in tokenized money circulate globally, yet there is no universal mechanism to redeem it at par value through regulated institutions.
The Many-to-Many Problem
Multiple issuers, multiple blockchains, multiple receiving institutions. Without clearing, each connection must be built individually. The complexity scales geometrically.
The Collection Model
Ubyx operates a collection model, not a sale model. Participants deposit tokenized money for collection at par value, like cheque clearing, rather than selling into an exchange order book at variable prices.
How Ubyx works
Three steps. Any token. Any blockchain. Par value.
Deposit
A bank or fintech accepts tokenized money from its customer and submits a clearing request to the Ubyx network.
Clear
Ubyx validates the transaction, matches it with the appropriate issuer or liquidity provider, and coordinates settlement instructions.
Settle
The tokenized money is redeemed at par value. The receiving institution credits its customer in local currency. Settlement is final.
Latest
News & Insights
Commerce at Machine Speed: The Payment Infrastructure Agentic Commerce Requires
In the Commerce at Machine Speed white paper, we explore the payment infrastructure required for agentic commerce to thrive. Featuring commentary from global market leaders in e-commerce, banking, blockchain, regulation, and payments, this piece is the first in our three-part series.
2026-05-19
newsBarclays Makes Strategic Investment in Ubyx
Global banking giant Barclays invests in Ubyx, validating the clearing system for tokenized money and signalling institutional confidence in digital money infrastructure.
2026-01-05
Thought LeadershipCorporate Treasury in a World of Wallets
A new white paper from Ubyx, sponsored by Finmo, examines how digital wallets are poised to transform corporate treasury operations, with perspectives from Deutsche Bank, Commerzbank, SAP, Franklin Templeton, and Lloyds.
2025-11-01
Ready to join the network?
Whether you are an issuer, receiving institution, or scaling partner, Ubyx provides the acceptance infrastructure to make tokenized money work at scale.
Get in Touch