What the platform needs to solve
The platform operates a creator economy model where end users purchase content and services, and creators earn revenue they need to access as fiat. The core challenge is delivering a seamless, app-grade user experience on top of a blockchain-native settlement layer. Users and creators should never need to know that stablecoins or wallets are involved. The platform also needs to support multi-currency top-ups, USD1-denominated balances, USD1-based in-platform purchases, and fiat payouts to creators globally, without taking on regulatory risk from holding or transmitting funds directly. NOXXO provides the full technology layer connecting all of these capabilities via a single API integration, with all financial services executed by regulated third-party partners.
Core Infrastructure
Embedded Wallets (Account Abstraction)
Every user and creator gets a smart contract wallet at sign-up. No seed phrases, no chain selectors, no crypto UX. Social login maps to a derived wallet via account abstraction with MPC-based social recovery.
- Account abstraction with Google, Apple, or email login
- MPC key management with social recovery
- USD1 balance held on-chain, displayed as a clean fiat-equivalent figure
- Multichain deposits and withdrawals with full chain abstraction
- KYC and user verification built in via regulated partner
- Deposits and withdrawals in USD1 only
via regulated partner
Top-Up Flow
Embedded On-Ramp (Multi-Currency to USD1)
Users purchase fixed USD1 blocks (e.g. 5, 10, 25, 50, 100 USD1) using their local currency. Fiat is converted to USD1 and credited to their wallet. No visible crypto step anywhere in the flow.
- Fixed-denomination block purchases for clean, low-friction UX
- Pay via card (debit/credit) or bank transfer
- Multi-currency support: USD, EUR, GBP, AED and more
- Fiat received and converted to USD1 via regulated on-ramp partner
- Fees: TBD
via regulated partner
Platform Commerce
USD1 In-Platform Payment Gateway
Users spend their USD1 wallet balance to purchase content, subscriptions, and services on the platform. At point of purchase, the platform fee is deducted first. The creator receives the net USD1 amount. No card required once the wallet is funded.
- USD1 balance deducted at checkout
- Platform fee split applied at point of purchase before creator credit
- Fee model is configurable: % revenue share, fixed per-transaction fee, or both
- Creator receives net USD1 in their embedded wallet instantly
- Platform fee retained in platform operator wallet in USD1
- Full audit trail and reconciliation via NOXXO technology layer
via regulated partner
Creator Payouts
Embedded Off-Ramp (USD1 to Fiat)
Creators withdraw their USD1 earnings as fiat into their bank accounts. Global coverage via NOXXO technology layer routing to local regulated payout partners across 100+ countries.
- Creator initiates withdrawal from their dashboard
- USD1 off-ramped to fiat via regulated partner
- Bank transfer payout in local currency (USD, EUR, GBP, AED, PHP and 100+ more)
- Settlement: T+0 to T+2 depending on corridor
- Fees: TBD per corridor
via regulated partner
Creator Banking
Virtual Named Accounts for Creators
Professional creators are issued a permanent named virtual account for receiving and sending payments. A real payment identity, without needing a corporate bank account.
- Named virtual IBANs or local account numbers per creator
- Supported: USD (ACH/Wire/SWIFT), EUR, GBP (FPS), AED (FTS)
- Receive inbound payments from brands, agencies, and platforms
- Send payouts from a named account for professional identity
- API-managed, no manual banking setup required
via regulated partner
Creator Spending
Debit Card Programme (Select Jurisdictions)
Creators in eligible jurisdictions can be issued a white-labeled debit card linked to their wallet or named account. Spend earnings directly with full brand identity, no visible crypto or stablecoin reference.
- White-labeled debit card, physical or virtual
- Linked to creator wallet balance or named account
- Available in Western markets, subject to card issuer coverage
- Existing KYC/AML flow reused from wallet onboarding
- Interchange revenue optionally shared with the platform
via regulated partner
How the platform earns from every transaction
At every point-of-purchase on the platform, the NOXXO technology layer applies a configurable fee split before the creator's wallet is credited. The platform fee is deducted from the gross USD1 purchase amount and held in the platform operator's own USD1 wallet. The creator receives the net amount. This happens atomically at settlement, with no manual reconciliation required.
Option A
Percentage Revenue Share
The platform takes a fixed percentage of every USD1 transaction at point of purchase. Simple to explain to creators, scales with transaction value.
- Example: platform takes 20%, creator receives 80% of each purchase
- Percentage configurable per content type, tier, or creator category
- Platform fee retained in operator USD1 wallet
- Creator sees net amount in their wallet dashboard
- Rate: TBD
Option B
Fixed Per-Transaction Fee
The platform deducts a fixed USD1 amount from every purchase regardless of transaction size. Predictable revenue per transaction, well suited to uniform-price content.
- Example: platform deducts 1 USD1 from every purchase
- Fixed amount configurable per product or content category
- Creator receives gross minus fixed fee
- Works well alongside fixed block purchase denominations
- Amount: TBD
Option C
Combined: % Plus Fixed Fee
A percentage share combined with a small fixed per-transaction fee. Captures both margin on value and a base fee per transaction. Common in marketplace and payments platform models.
- Example: 15% + 0.50 USD1 per transaction
- Fixed component covers base overhead, % scales with value
- Both components deducted before creator credit
- Fully configurable via NOXXO technology layer
- Rates: TBD
← scroll to view full flow →
Creator
USD1 Balance
Creator requests withdrawal from their dashboard.
USD1
NOXXO Technology Layer
Off-Ramp
USD1 → Fiat
USD1 redeemed and converted to payout currency.
USD
via regulated partner
Pay-Out
Local Rail Payout
Routed to optimal local rail. 100+ countries.
LOCAL CCY
via regulated partner
Creator Bank
Fiat Received
Local currency credited to creator's bank account.
LOCAL CCY
Creator Payout Coverage
100+ Countries
USD, EUR, GBP, AED, PHP and more — T+0 to T+2 by corridor
Fiat on-ramp and off-ramp via regulated partners
All fiat on-ramp and off-ramp flows are executed by regulated third-party partners through the NOXXO technology layer. Bank transfer coverage spans 100+ countries across Europe, MENA, APAC, Americas, and Africa. For card on-ramp, any Mastercard or Visa card (debit or credit) issued globally is accepted. Card acceptance is subject to issuing bank country restrictions and standard card network rules.