Be the most interest-ing person in the room. Earn Different.

Earn up to 3.5% APY on USD, USDT, and USDC—secured by tokenized U.S. Treasury Bills

WELCOME TO PEXX EARN

Earn smarter. Live sharper.

Put your money to work where stability lives—tokenized U.S. treasuries. Daily interest. No risky funds. No surprises. Just a good night’s sleep.

Straightforward returns

No gatekeeping.
Just steady, predictable interest.

Pick USD, USDT & USDC

Switch on your terms.
Your money moves when you do.

No Gimmicks

No games. No noise.
Just real results you can track.

Instant Access

Withdraw anytime.
Your money answers only to you.

EASY SIGNUP

From Wall street. To All Streets.

Access. Simplicity. Control—without the risk takers or the gatekeepers.

Your Money, Rock-Solid Safe.

We leverage short-term U.S. Treasury investments—considered among the most secure assets on the planet. Paired with 24/7 monitoring and bank-grade encryption, PEXX keeps your funds and data under constant lock and key.

SECURITY AT EVERY TOUCHPOINT
Bank-Grade Encryption

Every transaction is protected by top-tier security protocols. No exceptions.

Always on Guard

Round-the-clock system checks.
Every account, constantly monitored.

Real-Time Alerts

Know the second something moves.
No delays. No surprises.

REFER & EARN

Turn your network into net worth.

Share PEXX with friends. They start earning. You earn every time they do.

Earn commission every time your friends spend.
Every cross-border swipe from your referrals adds to your wallet. Their spend, your gain.
Earn 10% of your network’s commission.
Every time your referrals earn commissions, you get a 10% cut. Sit back, stack up, repeat.

FAQs

How can I make a transfer to another country?

1. Deposit or hold funds in your PEXX wallet (USD, USDT, or USDC).
2. Select the destination country and the local currency you want the recipient to receive.
3. Enter the sending or payout amount (PEXX shows the live FX rate + fees before you confirm).
4. Add recipient details: most corridors require only the recipient’s name and bank account number.
5. Review and tap to send. You will get real‑time status updates until the funds land.

Where can I send money to?

PEXX currently supports off‑ramp transfers to 17+ destinations: Singapore (SGD), Indonesia (IDR), China (CNY), India (INR), United States (USD), Eurozone (EUR), Malaysia (MYR), Philippines (PHP), Vietnam (VND), Australia (AUD), New Zealand (NZD), South Korea (KRW), Japan (JPY), Hong Kong (HKD), Thailand (THB), Canada (CAD), and the United Kingdom (GBP).

How long does a transfer usually take?

Most transfers should take between 15-30 minutes to complete. If there are any compliance-related checks, this could extend up to 1 business day.

What types of transfers are supported?

You can currently send payouts to your own bank account, to someone else’s personal account, or to a business account. Availability of options varies based on the payout currency.

What makes PEXX cheaper than Wise or Western Union?

We use regulated liquidity networks and better-than-Google FX rates. Our INR and VND routes beat Wise by 1.35% and 1.9%, respectively.

What is the PEXX Everyone Card?

The PEXX Everyone Card is a PEXX-issued Visa virtual debit card. Any verified PEXX user who deposits at least USD 10 (or USDT/USDC) can receive it in seconds, add it to Apple Pay or Google Pay, and spend from their USD, USDT, or USDC balance worldwide. It’s called “Everyone” because there are no credit checks, salary requirements, or geographic restrictions beyond standard KYC/AML rules—giving virtually anyone with a smartphone and valid ID access to global, FX‑friendly payments without waiting for a physical card.

How quickly can I get a virtual Visa card after signing up?

Card is issued within 1 minute after the deposit is confirmed on‑chain or by partner bank.

Can I add the PEXX card to Apple Pay or Google Pay right away?

Yes, as soon as your card is generated you can add it to Apple Pay or Google Pay with one tap and start spending online or in‑store.

What fees apply when I spend or convert currencies with the card?

PEXX platform fee: 0.6% of the transaction amount, applied to every purchase.
Foreign‑exchange (FX) mark‑up: 2% of the converted amount when you spend in a currency that is not USD.

Are there card top up and spending limits?

The minimum topup for the app is 10USD, with no maximum limit. There are currently no limits for spending.

What is a US Virtual Bank account?

A U.S. checking‑account‑style routing and account number, opened in less than 5 minutes powered by our third-party provider. Receive your own USD bank account details without having to set foot in the United States.

How do I open a U.S. Virtual Bank account from outside the United States?

The USD virtual bank account is only available to users in selected countries at the moment. Eligible PEXX users who have completed the first level of KYC can sign up for a USD virtual account in the Deposit section.

Which payment rails can I use for deposits?

You can make deposits via ACH, Fedwire and SWIFT rails; PEXX provides deposit details for each transfer type.

Is the Everyone Card available in my country? How fast do incoming transfers reach my PEXX wallet?

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

Who can open a U.S. Virtual Bank account?

Any PEXX user who has completed level 1 KYC; you don’t need a U.S. address or SSN.

How does PEXX provide the advertised ~3.5 % yield on interest account balances?

Idle balances in USD, USDT or USDC are used to purchase tokenized U.S. Treasury‑bills via regulated providers.

Is my principal protected?

The yield comes from ultra‑low‑risk T‑Bills, but it is not FDIC‑insured. Market and counter‑party risk remain low but are non‑zero.

When and how is interest credited to my wallet?

Interest accrues daily on the day’s balance and is credited to your PEXX wallet the following day in the same asset you have deposited.

Is there any minimum balance, lock‑up period, or withdrawal penalty?

No minimum and no lock‑up period. Withdraw or spend anytime; you earn yield for each day funds stay in the account.

What happens to the interest account yield if U.S. Treasury bill rates change?

As the underlying asset is pegged to US T‑Bill yields, PEXX will periodically review the rate based on existing market conditions. Don’t worry, if we do decide to make any changes, PEXX will notify users either in‑app or via email.

Start earning different.

Daily interest on USD, USDT, or USDC—no lockups, no minimums, no waiting. Just real returns.