Axiym

Overview

Axiym is a Liquidity-as-a-Service (LaaS) platform for global cross-border payments, solving the pre-funding problem. It provides liquidity solutions that improve payment speed while reducing the capital requirements that make international payments slow and expensive. The platform integrates with global payment ecosystems, offering stablecoin settlement to Money Service Businesses (MSBs) and payment networks.

Through direct integrations with major payment networks including Terrapay, Lulu Financial, and others, Axiym uses blockchain-based liquidity to address the $150+ trillion cross-border payments industry by eliminating pre-funding requirements, enabling instant settlements, and reducing the working capital needed to operate payment corridors globally.

Features

• Liquidity-as-a-Service (LaaS): Provide instant liquidity for cross-border payment corridors without capital deployment.
• Pre-Funding Elimination: Remove the need for expensive pre-funded accounts in multiple countries.
• Stablecoin Settlement: Enable instant settlement using stablecoins as the settlement layer.
• Payment Network Integration: Direct connections to major MSBs and payment networks globally.
• Capital Efficiency: Reduce working capital requirements by 70-90% for payment operators.
• Instant Settlement: Move from T+2/T+3 settlement to real-time settlement.
• Multi-Currency Support: Support for numerous fiat currency corridors.
• Regulatory Compliance: Compliant liquidity solutions meeting global regulatory standards.
• API Integration: Simple APIs for payment companies to access liquidity.
• Treasury Optimization: Help payment firms optimize treasury operations.
• Risk Management: Built-in tools for managing FX and liquidity risk.
• Global Reach: Support for major payment corridors worldwide.
• Avalanche Integration: Leverage Avalanche's infrastructure for efficient settlement.

Getting Started

1. Partnership Discussion: Contact Axiym to discuss your cross-border payment volumes and corridors.

2. Needs Assessment: Evaluate your liquidity requirements:

   • Identify payment corridors and currencies
   • Assess current pre-funding costs and capital tied up
   • Determine settlement speed requirements
   • Review regulatory requirements by corridor

3. Integration Planning: Design your Axiym integration:

   • Choose API or direct integration approach
   • Determine which corridors to enable with Axiym liquidity
   • Plan migration from pre-funded to on-demand liquidity model
   • Set up treasury and reconciliation processes

4. Technical Implementation: Integrate Axiym's platform:

   • Connect to Axiym's liquidity APIs
   • Integrate with your payment routing system
   • Implement settlement workflows
   • Test in pilot corridors

5. Launch and Scale: Go live with Axiym liquidity:

   • Start with pilot corridors
   • Monitor performance and cost savings
   • Scale to additional corridors
   • Optimize treasury management

Liquidity-as-a-Service Model

Axiym's LaaS model transforms cross-border payments:

Traditional Model Problems:

• Payment companies must pre-fund accounts in every destination country
• Billions in working capital tied up unproductively
• Slow settlement times (T+2 or T+3)
• Currency risk from holding multiple currencies
• Complex treasury management across jurisdictions

Axiym Solution:

• On-demand liquidity provided when payments need settlement
• Minimal working capital required
• Instant settlement using stablecoins
• Reduced currency risk
• Simplified treasury operations
• Lower total cost of payments

This shift from capital-intensive to capital-efficient payments is significant for the industry.

How It Works

Axiym's platform operates through a streamlined process:

1. Payment Initiation: Customer initiates cross-border payment through MSB or payment network

2. Liquidity Request: Payment company requests liquidity from Axiym for destination currency

3. Instant Provision: Axiym provides stablecoin or local currency liquidity instantly

4. Settlement: Payment settles with final recipient in destination currency

5. Reconciliation: Automatic reconciliation and reporting for payment company

6. Capital Return: Payment company's capital is freed for other uses

This process happens in real-time, eliminating the delays and capital requirements of traditional pre-funding.

Payment Network Partners

Axiym works with major global payment networks:

Terrapay: Global digital payments network connecting mobile wallets, banks, and cash networks.

Lulu Financial: Leading remittance and financial services provider in GCC and Asia.

Additional MSBs: Integration with numerous other Money Service Businesses and payment networks.

These partnerships show Axiym's ability to serve high-volume, institutional payment flows.

Avalanche Integration

Axiym uses Avalanche's infrastructure for several key advantages:

Fast Finality: Avalanche's sub-second finality enables truly instant payment settlement.

Low Costs: Minimal transaction costs make micro-payments and frequent settlements economically viable.

High Throughput: Avalanche can handle large payment volumes without congestion.

Institutional Adoption: Avalanche's focus on regulated financial applications aligns with payment industry needs.

Stablecoin Support: Native support for major stablecoins used in cross-border payments.

Compliance Tools: Avalanche's infrastructure supports necessary compliance and monitoring.

Use Cases

Money Service Businesses (MSBs): Enable MSBs to operate globally without massive pre-funding requirements.

Remittance Companies: Reduce capital needs while improving speed for remittance senders.

Payment Processors: Provide liquidity for instant cross-border payment processing.

Neobanks: Enable digital banks to offer international transfers without correspondent banking relationships.

Payroll Platforms: Support global payroll with instant cross-border payments.

B2B Payment Platforms: Facilitate business-to-business international payments.

Cryptocurrency Exchanges: Provide off-ramp liquidity in multiple currencies.

Fintech Platforms: Embed international payment capabilities without capital deployment.

Capital Efficiency Benefits

The financial impact of Axiym's solution is significant:

Traditional Pre-Funding: Payment companies might need $100M+ in pre-funded accounts globally.

With Axiym: Same payment volume with $10-30M in working capital—a 70-90% reduction.

Additional Benefits:

• Freed capital can be deployed for business growth
• Reduced currency risk from holding multiple currencies
• Lower borrowing costs (less capital needed)
• Simplified balance sheet
• Improved return on equity

Stablecoin Settlement

Axiym uses stablecoins as settlement rails:

USD Stablecoins: Primary settlement using USDC and other dollar-pegged stablecoins.

Instant Conversion: Real-time conversion between stablecoins and local currencies.

Global Reach: Stablecoins enable settlement to any jurisdiction with local currency conversion.

24/7 Settlement: Unlike traditional banking, stablecoin settlement never closes.

Transparent: All settlement transactions are recorded on-chain.

Lower Costs: Stablecoin rails are cheaper than correspondent banking.

Technology Infrastructure

Axiym provides comprehensive payment liquidity infrastructure:

• Liquidity APIs: APIs for requesting liquidity on-demand
• Settlement Engine: Real-time settlement processing
• Currency Conversion: Automatic stablecoin to local currency conversion
• Treasury Dashboard: Monitor liquidity usage and costs
• Reporting Tools: Reporting for finance and compliance
• Risk Management: Tools for managing FX and liquidity exposure
• Webhooks: Real-time notifications for settlement events
• Integration SDKs: SDKs for major programming languages

Regulatory Compliance

Axiym operates with focus on compliance:

• MSB Licenses: Appropriate licenses for money transmission
• KYC/AML: Integration with payment partners' existing compliance processes
• Transaction Monitoring: Real-time monitoring for suspicious activity
• Reporting: Regulatory reporting for relevant jurisdictions
• Sanctions Screening: Automated screening against global sanctions lists
• Data Privacy: Compliance with GDPR and other data protection regulations

Competitive Advantages

Capital Efficiency: Dramatic reduction in working capital requirements.

Speed: Instant settlement vs. multi-day traditional settlement.

Global Reach: Support for major payment corridors worldwide.

Stablecoin Native: Purpose-built for blockchain-based settlement.

Proven Partners: Working with major MSBs and payment networks.

Scalable: Technology can handle massive payment volumes.

Lower Costs: Reduced total cost of cross-border payments.

Market Opportunity

The cross-border payments market represents enormous opportunity:

• $150+ Trillion: Annual cross-border payment volume globally
• $40+ Billion: Annual fees paid for cross-border transfers
• Billions Tied Up: Massive working capital locked in pre-funded accounts
• Growing Market: International payments growing faster than domestic
• Pain Point: Pre-funding is universally recognized as major inefficiency

Axiym addresses this market with an on-chain solution.

Pricing

Axiym offers competitive liquidity pricing:

• Usage-Based Fees: Pay only for liquidity actually used
• Lower than Pre-Funding: Total cost lower than maintaining pre-funded accounts
• Transparent Pricing: Clear fee structure with no hidden costs
• Volume Discounts: Reduced rates for high-volume corridors
• Custom Arrangements: Tailored pricing for large payment networks

Contact Axiym for pricing based on your payment volumes and corridors.

Benefits for Payment Companies

Reduced Capital Requirements: Free up 70-90% of working capital.

Faster Settlement: Move from days to instant settlement.

Expanded Reach: Enter new corridors without capital deployment.

Lower Costs: Reduce total cost of operating payment business.

Simplified Operations: Streamlined treasury and reconciliation.

Better Customer Experience: Enable instant payments to customers.

Competitive Advantage: Offer better pricing and speed than competitors.

Ecosystem Integration

Axiym connects multiple ecosystem participants:

Payment Networks: MSBs and payment processors accessing liquidity.

Banks: Banking partners providing local currency on/off-ramps.

Stablecoin Issuers: Partnerships with major stablecoin providers.

Liquidity Providers: Network of liquidity providers funding the platform.

Blockchain Infrastructure: Using Avalanche and other networks for settlement.

Compliance Providers: Integration with KYC/AML and monitoring services.