Balance Records
Represent user, business, workspace, and operational balances in a structured ledger model.
Products
Modular infrastructure for fiat and crypto products.
Axora combines multi-currency accounts, business payments, crypto custody, stablecoin settlement, onboarding, compliance, and ledger orchestration into one platform — delivered through regulated infrastructure.
Platform Capabilities
Choose the capabilities your product needs.
Axora is modular by design. Businesses can start with a focused use case, then add more capabilities as their product, compliance approvals, and provider routes mature.
7Core product modules
APIControlled integration model
OpsCompliance, ledger, and reconciliation
Accounts
Multi-currency account infrastructure for approved businesses.
Axora helps businesses offer multi-currency account and virtual account experiences through regulated banking, EMI, and payment partners — with USD, EUR, and GBP for approved KYB businesses.
- USD, EUR, and GBP multi-currency accounts where available
- Named or virtual account references for approved KYB businesses
- Inbound collections and outbound payouts
- Balance records, provider references, and reconciliation
Account availability depends on provider approval, legal entity routing, supported jurisdiction, KYB/KYC and onboarding requirements, and product scope.
Payments
Business payments across regulated fiat rails.
Axora orchestrates payment workflows across supported local and cross-border rails through regulated fiat partners, helping approved businesses manage collections, payouts, reconciliation, and exceptions in one operational layer.
- Multi-currency rails (USD, EUR, GBP) through regulated fiat partners
- Cross-border collections and payouts where available
- Third-party collections and payouts for approved KYB businesses
- Beneficiary controls and payment status tracking
Third-party payments are enabled for approved KYB businesses, not as a default individual capability. Availability and flow types depend on the regulated partner, jurisdiction, user eligibility, and compliance approval.
Wallets & Ledger
Track balances, fees, settlements, and financial movement.
Axora's ledger layer helps financial products represent user balances, business balances, fees, suspense positions, settlement records, treasury movements, and provider reconciliation.
Settlement Records
Track fees, suspense positions, settlement status, and provider references.
Reconciliation
Match provider transactions, ledger entries, payment statuses, and reporting exports.
Ledger records represent platform accounting and operational tracking. Underlying funds and assets are held or serviced through the applicable regulated entity, partner, or provider route.
Crypto & Digital Assets Via regulated partners
Crypto custody, trading, and stablecoin settlement through regulated partners.
For EEA users, crypto custody, trading, transfers, and stablecoin settlement are delivered through MiCA-authorised CASP infrastructure. For other markets, crypto-enabled workflows run through regulated entities and partners where authorised, subject to each jurisdiction's requirements.
- Crypto custody, trading, and transfers via regulated partners
- Stablecoin-enabled settlement workflows
- Fiat-to-crypto and crypto-to-fiat through the regulated route
- Travel Rule and blockchain analytics where required
Axora does not hold a CASP licence in the EU. EEA crypto services are provided by MiCA-authorised CASP infrastructure, and users complete the required onboarding with the regulated entity. Availability is subject to jurisdiction, user eligibility, asset support, and compliance approval.
Cards Roadmap
Extend balances into card experiences through approved programs.
Axora can support card-related workflows where an approved card sponsor, issuer, processor, and regulated structure are available for the relevant product and jurisdiction.
- Virtual and physical card workflows where approved
- Spend controls and authorization logic
- Cardholder controls, transaction records, and reconciliation
Card availability depends on sponsor approval, issuing structure, product scope, jurisdiction, customer type, and compliance review.
Compliance Operations
Coordinate onboarding, monitoring, and case operations.
Axora helps teams manage compliance workflows across customers, users, providers, and financial products.
Onboarding
KYC, KYB, document collection, risk scoring, and verification status.
Monitoring
Sanctions, PEP, adverse media, velocity controls, and transaction monitoring.
Evidence
Compliance cases, audit trails, reporting exports, and review notes.
APIs On approval
Build financial features into your product.
Approved customers and partners can integrate accounts, payments, wallets, compliance, ledger, reporting, and webhooks into their own products.
API access is provided after business review, compliance review, commercial approval, and technical onboarding.
Build only what makes your product different.
Axora gives your team the infrastructure layer for accounts, payments, wallets, digital asset workflows, compliance, ledgering, reconciliation, and APIs.
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