The platform for cloud payments
Combining messaging and settlement into a single, secure tokenization payment and settlement protocol
- Real-time payments
- Tokenized MMF settlement bridge
- Merchant processing
- Payment orchestration
- Treasury accounts and services
- Issuer services
“We processed our first payment in 2021, active customers and transactions across 46 states” - Sales Director
Create treasury accounts and process payments all on one easy to use, enterprise grade platform. With a full suite of developer and integration tools, Nexos help automate payments, reduce costs, increase speed to market, manage compliance and drive mobile wallets and virtual cards.
Nexos Starlight
Nexos Starlight is a complete cloud-based payments platform that enables advanced merchant processing services for card acceptance, merchant processing, dispute resolution, funds settlement and account reconciliation. Starlight provides issuer and card management for physical and virtual cards and funds transfer processing services. With a built-in integrated multi-channel payment gateway, Starlight can easily and efficiently route payments across multiple channels and data paths without sacrificing security, scale and efficiency. All of these features and functionalities can easily be integrated and linked through the use of Nexos’s ledgering protocol and interconnected networks.
Nexos Fabrik
Nexos Fabrik is an open-source payment networking protocol that connects ledgers, processors and devices to form a highly efficient and secure data integration network for payments. Fabrik is interoperable with all major legacy payment rails as well as new, emerging protocols and channels to provide an easy to use and robust interconnected payment and data network to facilitate digital payments.
Wallets
Nexos Wallets is an open-source framework to design, build and deploy payment wallets that interoperate with Nexos Starlight and other banking, payment and settlement networks. The Wallet framework can be utilized within Flutter and other web app and mobile app design frameworks and tools and interoperate with the Nexos API BaaS and payment suite.
Embed
Nexos Embed is a design and security framework built to easily integrate a payments and banking function into a non-finance workflow. This feature and functionality can be incorporated into workflows in retail, purchasing, media, digital royalty streaming, gaming and international bill pay and remittances.
Protect
Nexos Protect is a security encryption protocol designed to protect sensitive data from being compromised through brute force attacks, man-in-the-middle data theft and zero-day cyber threat attack vectors.
A modern framework for inter-ledger digital payments
Nexos Fabrik provides inter- and intra- ledger connectivity between the financial building blocks and operational components of a modern financial institution, product or partnership network. By providing an easy to understand, consume and developer-first framework that is interoperable between legacy systems and protocols as well as modern internet native applications and platforms, Fabrik provides the break-through technology to easily and reliably connect systems to power responsible regulatory compliant innovation.
A new financial world,
Fully integrated, modular and compliant suite of financial infrastructure services.
built for you
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We seek to provide the networking infrastructure to connect fintech developed products
CTO’s seek to reduce complexities and dependencies in their technology stack and vendor management programs. By providing easy to implement, plug and play networking, monitoring and compliance infrastructure, Nexos facilitates the adoption and growth of digital native financial infrastructures.
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"C-Suite" Advisory
As members of financial industry oversight boards, bank compliant product certification associations and open source communities, we assist other technology companies and industry executives with solutions for scalable, regulatory compliant financial infrastructure decisioning.
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Marketing partnerships
We seek to incorporate and establish reseller agreements with other complementary fintech solutions to offer comprehensive, competitive full-stack solutions.
Real time programmable
Easily program functions and services to act on events triggered by payment patterns, channels or risk limits
payments
Integrate risk, compliance and customer engagement triggers to build bespoke enterprise dashboard and services and comply with regulatory reporting, BSA/AML fraud and security provisions and C-suite executive reporting objectives. - provide near real-time visibility to the inter-workings of the organization’s most important asset - its customers and their respective sales and purchasing activities.
Our Features
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ACH Same Day & Standard
We’re modernizing ACH to accelerate innovative customer use cases with entirely new ways to move money with code. Orchestrate transfers between wallets, virtual accounts, and bank accounts with ease.
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Digital Payments
Provision virtual payments and cards on the fly. Help manage risk spending, risk limits, budgets by adding single use and vendor specific digital payment limits
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Virtual Accounts
Virtual Accounts operate much like our digital wallets infrastructure, offering as much flexibility as possible for programmers but with more versatile functionality and additional payment methods. Eligibility may vary.
Deployments
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Hybrid Cloud
Services and workloads can be deployed in containerized environments allowing enterprise customers to design and optimize data privacy, controls and adhere to stringent regulatory requirements in each applicable jurisdiction.
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Distributed Ledgers
Built custom ledgers into deployment models to maximize flexibility and scale.
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Programming Languages
Develop in multiple programming languages to fit the specific goals of the enterprise or business unit.
Hybrid managed infrastructure
Enabling enterprises to deploy sensitive workloads across multiple environments
Our network
Connecting people and businesses on secure trusted networks
Partners
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Digital assets
We work with high quality, regulatory first digital asset partners to design, deliver and manage high quality digital services.
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FinTech Infrastructure
We seek to develop integrations and partnerships with other segment-specific financial infrastructure providers - ISV, SMB, gaming - to help build out the global digital first payment and banking infrastructure.
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Banks
We consider banks as clients but also partners. We proactively work with global and regional financial institutions to identify emerging opportunities and needs as well as co-develop new products and services.
Case study: Money market funds
Banks are organizational structures that provides the function of storing value (e.g., deposits) and using such value to facilitate the extension of credit (e.g., loans, bonds) to help communities and economies grow and prosper. Money market mutual funds were created in the 1970’s when interest rates were historically high to provide an alternative, but safe, higher yielding savings vehicle for consumers and businesses. Individuals and business bought shares (e.g., securities) in regulated pooled investment vehicles (e.g., funds) and in return, received the pass through of the yield on the underlying securities. The funds are subject to strict investment, liquidity and disclosure guidelines. With the advancement in technologies and the changing landscape and channels for the distribution and consumption of financial products, newer, yet safe and regulated equivalent financial products can be created and distributed to accomplish the same results as the pioneers in money market mutual funds did in the 1970’s.
Global settlement and partners
Global settlement - conducted on regulatory compliant, trusted and secure infrastructure - empowers the sender and the receiver to safely and securely collectively agree on transfers of value among one or more counterparties
Dream it.
It all begins with an idea to improve a customer experience, launch a new business or engage more directly with your customers. Whatever it is, we can help bring the payments and banking services to ensure you get to realize your vision while minimizing costs, time and fraud.
Build it.
We can help you design the commerce and money portion of your enterprise app, website or product to ensure that you have a reliable, trusted and economically profitable product, and bring the best digital partner to help you execute.
Engage.
Once you have your product or app up and running, we can help you add features, functionalities and easily and efficiently accept payments and customer engagement. We can help position your product through our network of partners and help connect you with other creatives and businesses to help you grow.
Debit cards
Debit cards are a key form factor used by billions of people worldwide to access their funds in deposit and stored value accounts. Nexos arranges, manages and administers debit and credit programs for qualified enterprise customers seeking an easy to use, API driven solution to virtual and physical card issuance and management programs.
Encrypted payments
Payments involve the messaging of transaction details between two or more parties, the confirmation of such details and the settlement, or actual movement of value between the counterparts. Nexos provides a highly secure and interoperable payment protocol to safely and concisely execute payment transactions.
Banking
Banking is evolving to adopt to the digital age by making banking more open and user and developer friendly while keeping safety, security and reliability as first order features of any banking-as-a-service platform, including fiat and crypto deposit and transaction accounts, merchant accounts, card acceptance and BSA/AML compliance.
