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A new look for your money.
WELCOME TO DIFFERENT
PEXX is a different way to pay, send, and earn — global transfers, a USD account, and stablecoin cards all in one. A new kind of bank, built for a new kind of world.
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Send
Different.
Send USD and stables worldwide in minutes
Send USD and stablecoins directly to bank accounts worldwide. 20+ currencies, seamlessly delivered in minutes.
Bank
Different.
Wall Street, now on all streets.
A true US Dollar account with Cross River. Full banking rails — SWIFT, Fedwire, ACH. Global access, open from anywhere, spend everywhere.
Send, Receive and Pay in USD.
Effortlessly fund your account, pay friends, or settle bills — anywhere, anytime.
Secured by world-class institutions.
A USD account reinforced by global banks and payment rails — offering unmatched security and stability.
Local access. Global reach.
Open your USD account from anywhere. Spend and move money everywhere.
Bank Different. But with Certainty.
Powered by Cross River and connected through SWIFT, Fedwire, ACH, and RTP® (Real-Time Payments) — the same rails trusted worldwide.
Pay
Different.
The all-new Pexx cards ARE HERE.
Start spending with your virtual card in the PEXX app.
Get your physical card shipped worldwide — wherever you are.
Control both your worlds — dollars and stablecoins, in one card.
Accepted in 180+ countries and on all major payment networks.
Earn
Different.
Earn up to 4% APY on your USD & stablecoins
Earn up to 4% APY on USD, USDT, and USDC — secured by tokenized U.S. Treasury Bonds, the world’s safest asset class.
No minimums. No lockups. Just daily earnings.
Start EarningNo minimums. No lockups. Just daily earnings.
How can I make bank transfers to Indonesia, Vietnam or India?
To send money abroad with PEXX, first deposit USD, USDT, or USDC into your wallet. Choose the destination country and currency, enter the amount, and add the recipient’s bank details. PEXX shows the live FX rate and fees before you send. Transfers are fast and trackable in real time.
Does PEXX support transfers globally?
You can send money to 17+ countries with PEXX, including India, Vietnam, Philippines, China, and the U.S. Supported currencies include INR, VND, PHP, CNY, USD, EUR, and more. Full local currency payouts—no wallet needed on the recipient’s side.
Does PEXX support real-time transfers?
Most PEXX transfers arrive within 15–30 minutes. In rare cases involving compliance checks, it may take up to 1 business day.
Are e-wallet transfers available on the PEXX app?
E-wallet transfers are currently not available at the moment, but may be added in a future update. PEXX supports transfers to your own bank account, someone else’s personal account, or a business account. Options may vary depending on the payout currency and destination country.
What makes PEXX cheaper than Wise or Western Union?
PEXX is cheaper than Wise or Western Union thanks to regulated liquidity partners and better-than-Google FX rates. Our INR and VND routes beat Wise by 1.35% and 1.9%, respectively.
What is the PEXX Card?
The PEXX Card is a debit card available to any verified PEXX user. You can use it instantly worldwide—online, in-store, or through tap to pay Anyone with a valid ID and phone can access global spending—no waiting, no paperwork.
How quickly can I get my virtual debit card after signing up?
You’ll get your virtual card within 1 minute after your deposit is confirmed—either on-chain or by our partner bank. Fast, automated, and ready to spend instantly.
Does PEXX have the cheapest card fees in the market?
We strive to give you the best pricing in the market. PEXX charges a 0.6% platform fee on every card transaction. For non-USD purchases, a 1.2% FX markup applies when converting currencies. No hidden fees—just clear, flat pricing.
Does the PEXX card have spending limits?
There are currently no spending limits, so you can use your balance freely worldwide.
What is the PEXX USD Account?
Our USD virtual bank account gives you real USD banking details—routing and account number—without needing a US address. Open it in minutes with just your passport or ID. Receive, send, and hold dollars globally.
Can I deposit USD with SWIFT or ACH?
You can deposit funds via ACH, Fedwire, and SWIFT payment rails. PEXX provides full banking details for each method. Choose the option that suits your sender or region.
Do you support instant deposits into the USD account?
Standard ACH: 1-3 U.S. business days.
Fedwire: A few hours to 1 U.S. business day
SWIFT: 1-5 U.S. business days
Fedwire: A few hours to 1 U.S. business day
SWIFT: 1-5 U.S. business days
Can I open a PEXX USD Account if I am not in the United States?
Any PEXX user who completes level 1 KYC can open a U.S. virtual bank account. No U.S. address, SSN, or residency required. Just a valid ID and phone number.
Are my USD account deposits insured?
PEXX USD account deposits are not FDIC-insured, but your funds are held with licensed partners and protected by top-tier security protocols. Your money stays secure, even without traditional bank coverage.
How safe is my interest account deposit with PEXX?
Your principal is backed by low-risk U.S. Treasury Bills, but it's not FDIC-insured. While PEXX partners with regulated providers, market and counterparty risk are still present.
Does my interest credit daily?
Interest is calculated daily based on your wallet balance and credited the next day. You earn in the same asset—USD, USDT, or USDC—with no action needed on your part.
Is there a minimum deposit to start earning interest?
There’s no minimum balance, no lock-up period, and no withdrawal penalties with PEXX Earn. You earn daily yield for every day your funds stay, and can withdraw anytime—no strings attached.
What happens to the interest account rate if US Treasury Bill rates change?
PEXX yield is pegged to U.S. Treasury Bill rates, so it may adjust if market conditions change. Rates are reviewed regularly and updated as needed. You’ll be notified via app or email before any changes.
Do I need a local wallet like MoMo or GCash to scan?
No. You can pay using your PEXX wallet. We handle the local delivery via the merchant’s QR system — no extra apps needed.
Which countries support PEXX QR right now?
Indonesia, Malaysia, Singapore, Vietnam, and the Philippines. More countries coming soon.
What stablecoins can I pay with?
USDT, USDC, or USD — directly from your PEXX wallet.
Is there a fee for scanning?
Yes, but it’s minimal — just a small network fee with no hidden markups or FX spreads.
How fast is the payout?
Instant or near-instant in most cases. The merchant receives local currency as soon as your stablecoin payment is confirmed.
Instant global payments, borderless USD, and seamless stablecoin spending—all in one powerful account.
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