Solutions
Built for every participant
Connect to the clearing network once. Reach the entire ecosystem of issuers, banks, fintechs, and blockchains.
For Issuers
Ubiquitous acceptance through mutualised clearing
Card issuers learned in the 1970s that acceptance cannot be solved bilaterally. What needed to be mutualised was the acceptance network itself. Issuers of tokenized money face the same structural problem today. Ubyx is the mutualised clearing infrastructure that solves it.
Connect once and gain ubiquitous acceptance, non-interest revenue through clearing fees, and distribution that scales with the network. For issuers of tokenized deposits, Ubyx delivers the interoperability required for one bank's token to be accepted and redeemed by another.
Connect Your TokenUbiquitous acceptance
Reach every bank and fintech in the network without negotiating bilateral redemption agreements with each one. Acceptance scales with the network.
Non-interest revenue
Earn clearing fees as your token is redeemed through the network. More receiving institutions means more redemption volume and more revenue.
Network effects
Each new receiving institution that joins makes every connected issuer more valuable. This is the power of mutualised infrastructure.
Transparent pricing
Standardised fee structures. No hidden spreads. Par-value settlement as the default.
Revenue per redemption
Earn settlement fees and FX spreads on every tokenized money redemption processed through your institution.
Compliance built in
Redemptions flow through regulated banks, fintechs, and exchanges, all subject to KYC, AML, and sanctions screening. This is structurally superior to tokenized money circulating on self-custodial wallets outside the compliance perimeter.
Web3 gateway
Offer your clients a regulated pathway to accept tokenized money, without building blockchain infrastructure.
Global reach
Connect once to the Ubyx network and gain access to every issuer and blockchain in the ecosystem.
For Banks & Fintechs
A new payment rail. A new revenue stream.
Ubyx solves for mutualised acceptance of tokenized money, similar to what card networks did in the previous generation of technology. Banks and fintechs that join the Ubyx network can offer their clients tokenized money acceptance and redemption without building the infrastructure from scratch.
Every redemption generates revenue: settlement fees, FX conversion spreads, and custody income. The compliance infrastructure is built in, so participants can focus on serving their clients rather than building blockchain integrations.
Connecting to Ubyx is the first stage of adaptation to the world of tokens and chains. Once an institution has a wallet, that is a general-purpose capability leap that future-proofs the business as tokenization gathers speed.
Become a Receiving InstitutionMulti-Chain Architecture
Where traditional finance meets Web3
The convergence of traditional finance and Web3 is achieved when the bank account paradigm is complemented by the world of tokens and chains. Ubyx leads this convergence by building the clearing infrastructure that connects both worlds.
In the Ubyx vision, every bank and fintech offers multi-chain wallets to their customers. Tokenized money flows freely across chains, and clearing ensures it can always be redeemed at par value through regulated institutions. Your chain becomes part of the global financial fabric.
By connecting to the Ubyx network, blockchains gain institutional distribution for the tokens issued on their chain and a direct bridge to the banking system.
Connect Your ChainMulti-chain wallets at every bank
Ubyx envisions every bank and fintech offering multi-chain wallets to their customers, making blockchain as accessible as a bank account.
Token velocity through clearing
When tokens can be redeemed at par value through any receiving institution, transaction volume and token utility increase across the entire chain.
Institutional credibility
Clearing through regulated channels gives institutional participants the confidence to engage with your chain. Compliance is built into the infrastructure.
Distribution to traditional finance
Every bank and fintech in the Ubyx network becomes a distribution point for tokens issued on your chain. One integration, global institutional reach.
IAS 7 cash equivalence
Ubyx's clearing infrastructure provides the redemption certainty required for tokenized money to qualify as a cash equivalent under international accounting standards.
Par value guarantee
Redeem tokenized money at face value through regulated banking channels. No exchange slippage, no order book risk.
Multi-currency, multi-chain
Hold and redeem tokenized money denominated in multiple currencies across any supported blockchain.
Full auditability
Complete transaction history and settlement records for regulatory reporting and internal audit requirements.
For Corporates
Treasury-grade tokenized cash management
Corporate treasurers need tokenized money to behave like cash: liquid, redeemable, and classifiable under IAS 7 as a cash equivalent. Ubyx provides the infrastructure to make that possible.
Through the Ubyx network, corporates can hold tokenized money with confidence that it can be redeemed at par value through their banking relationships. Multi-currency, multi-chain, with full auditability.
Ubyx convenes the Tokenized Cash Management Advisory Group (TCMAG), bringing together senior corporate treasurers from leading multinationals to define requirements for institutional tokenized cash management.
Learn about TCMAGReady to connect?
Tell us about your use case and we will show you how the Ubyx clearing network fits your needs.
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