International transfers
Send and receive across 190+ countries with competitive FX and full transparency on every fee.
Launch Your Own Fintech. Early Access to White Label Infrastructure.
We are on the verge of the official launch. Secure your spot in the partner ecosystem before public release.
- White Label
- ready to deploy
- 30+
- currencies at launch
- Limited
- partner slots
Launch under your own brand
Multi-currency accounts from day one
Early access before public release
What partners get at launch
A complete, licensed payment platform under your own brand. You bring the market and the clients — we bring the infrastructure, the compliance and the engineering.
01
Ready-made payment infrastructure
Launch on rails that already work — accounts, IBAN, transfers and FX. No need to build a payment stack, or a regulatory perimeter, from zero.
02
Multi-currency accounts
Offer your clients 30+ currencies, dedicated IBANs and virtual sub-accounts from the very first day you go live.
03
Fast turnkey integration
Go live in weeks, not years. Open API, clear documentation and a dedicated team that carries the technical weight for you.
04
Full control over your brand
Your name, your design, your customer relationship. We remain invisible infrastructure — and we keep the bureaucracy out of your way.
How we are rolling out
- 01Completed
Regulatory and technological foundation
The legal and engineering base of the platform is in place, so partners build on solid ground from the start.
- MSB & PSP registration in Canada
- Core ledger and processing engine
- Compliance and AML framework
- 02Open now
Early access for White Label partners
We are onboarding the first partners, configuring their brands and opening the sandbox ahead of public release.
- Onboarding of founding partners
- Brand and interface configuration
- Sandbox API and test accounts
- 03Next
Official platform launch
Partner clients go live with the full account experience — balances, IBANs, cards and transfers in production.
- Multi-currency accounts and IBANs
- Debit cards, local and international transfers
- Partner dashboard and reporting
- 04Planned
Ecosystem and scale
We expand the product surface and the geography, so partners can grow without changing providers.
- Mass payouts and recurring payments
- Fiat ↔ USDT / USDC exchange
- New regions and payment rails
Early access places are limited and allocated on a first-come basis, subject to compliance review.
Request White Label AccessA Canadian fintech redefining what an account can do
Officially registered in Canada as an MSB and PSP, Onyx Bridge Pay operates in the neobank / EMI model. We are not a classic bank — we deliver everything you expect from one, with the speed and clarity of modern technology and none of the bureaucracy.
Legally registered
MSB & PSP registration in Canada with a compliance-first approach.
International by design
Cross-border money movement built into the core of the platform.
Bank-grade experience
The full banking UX — accounts, IBAN, cards — without the branches.
Radically transparent
Clear pricing and honest rates, with no hidden fees.
Scale you can rely on
01
30+
Currencies supported
Multi-currency accounts for personal and business use
02
190+
Countries reachable
International transfers to businesses and people worldwide
03
99.98%
Platform uptime
Resilient infrastructure engineered for money in motion
04
<10s
Average transfer
Instant local payments and rapid cross-border settlement
International and local transfers, one platform
Move money the way your life and business actually work — across the street or across the world, with clear fees and fast settlement.
Local transfers
Instant domestic payments through local rails, arriving in seconds, not days.
SEPA & SWIFT
Reach European and global counterparties with standard rails your partners already trust.
Track every payment
Real-time status and reference data on incoming and outgoing transfers.
Fiat currencies and stablecoins, at transparent rates
Convert between currencies or bridge fiat and stablecoins in a few taps — no separate exchange, no guesswork.
Fiat currency exchange
Exchange between 30+ fiat currencies at clear, competitive rates. Hold what you earn and convert only when it makes sense for you.
EURUSDGBPCAD +
Fiat ↔ stablecoins
Move seamlessly between fiat and USDT / USDC. Bridge traditional and digital finance without leaving your account.
USDTUSDC
One account, everything you need
A personal payment account and a business toolkit, engineered to feel effortless.
Personal payment account
A full-featured account for everyday money — spending, saving, sending and receiving.
Your own IBAN
A dedicated IBAN in your name to get paid and pay out like a local, wherever you operate.
Multi-currency accounts
Hold and manage 30+ currencies side by side, with no need to open separate accounts.
Virtual sub-accounts & IBANs
Spin up dedicated virtual IBANs for teams, clients or projects to reconcile with ease.
Savings goals & envelopes
Organize money into goals and “envelopes” to plan, budget and set aside with intent.
Debit card
A physical and virtual debit card connected directly to your balances.
A debit card that keeps up with you
Spend directly from your multi-currency balance at home and abroad. Freeze, unfreeze and control your card in real time, with instant notifications on every transaction.
- Physical & virtual cards
- Spend in 30+ currencies
- Real-time controls & alerts
- Transparent FX with no hidden markup
Onyx Bridge Pay
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Onyx Bridge Pay
A. MERCADO
Debit
Financial infrastructure for modern companies
From freelancers to fast-scaling teams — the accounts, automation and APIs your business needs to move money at scale.
Mass payouts
Pay hundreds of suppliers, contractors or employees at once from a single upload.
Recurring payments
Automate subscriptions, payroll and scheduled transfers with full control.
Open API
Embed accounts, payments and FX directly into your product with a developer-first API.
Virtual sub-IBANs
Issue dedicated IBANs per client or project for effortless reconciliation.
Multi-currency treasury
Collect, hold and convert across currencies from one business dashboard.
Team access & roles
Granular permissions and approval flows for finance teams of any size.
Built for private clients and business alike
For individuals
Private clients
Everyday banking that travels with you — spend, save, exchange and send across borders from one clean account.
- Personal IBAN & multi-currency
- Debit card & instant transfers
- Savings goals and envelopes
- Fiat and stablecoin exchange
For companies
Business
A complete financial back office — collect, pay out, automate and reconcile at scale, with an open API to build on.
- Virtual sub-IBANs per client
- Mass payouts & recurring payments
- Open API & integrations
- Multi-currency treasury
Trust engineered into every layer
Regulation, security and transparency are not add-ons — they are the foundation Onyx Bridge Pay is built on.
Regulated & registered
Operating as a registered MSB and PSP in Canada under an EMI-style model.
KYC / AML
Robust identity verification and anti-money-laundering controls on every account.
Funds safeguarding
Client funds handled with safeguarding practices aligned to regulatory standards.
Encryption everywhere
Data encrypted in transit and at rest, with strong authentication by default.
Continuous monitoring
Real-time transaction monitoring and fraud prevention around the clock.
Transparent by principle
Clear terms, honest pricing and no hidden fees — ever.
Questions, answered
No. Onyx Bridge Pay is a Canadian fintech registered as an MSB and PSP, operating in a neobank / EMI model. We are not a classic bank, but we deliver the full banking experience — accounts, IBAN, cards and transfers — without branches or unnecessary bureaucracy.
Both private clients and businesses can open accounts, subject to our onboarding and compliance checks. Individuals get a personal payment account, while companies unlock business tooling like mass payouts, sub-IBANs and the open API.
You can hold, send and exchange 30+ fiat currencies, and bridge between fiat and the USDT and USDC stablecoins — all from within your account.
Local transfers typically settle in seconds via local rails, while international transfers move quickly across 190+ countries with transparent fees on every payment.
We apply KYC/AML controls, safeguard client funds in line with regulatory standards, encrypt data in transit and at rest, and monitor transactions continuously to prevent fraud.
Yes. Our open, developer-first API lets you embed accounts, payments, FX and payouts directly into your own product or systems.
Ready to move money without borders?
Open your Onyx Bridge Pay account in minutes, or talk to our team about a tailored business setup.