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NOXXO Infrastructure

Formal Infrastructure Offer

Stablecoin acceptance-to-fiat settlement infrastructure for enterprise POS and KDS operators. Enabling sub-1% end-to-end transaction costs via regulated third-party partners, with T+0 settlement and named virtual accounts per operator.

Prepared for — Stablecoin POS/KDS Partner
Prepared by — NOXXO Commercial Team
Status — Proposed
The Opportunity
Client Context

Enterprise POS/KDS Stablecoin Payments

The brief identifies a clear infrastructure gap: accepting stablecoin at enterprise venues is a solved problem at the POS layer, but operators still need a compliant, automated path from stablecoin receipt to fiat settlement, named accounts per brand or location, and built-in KYC/KYT screening on every transaction.

NOXXO Role

Technology Infrastructure for the Back End

NOXXO provides the technology layer behind the POS checkout, routing each stablecoin receipt through regulated third-party partners for off-ramp conversion, compliance screening, and settlement into named virtual accounts. No fund handling by NOXXO. No single-provider lock-in. One API integration for the POS partner covers all operators.

<1%
Indicative end-to-end transaction cost via NOXXO technology
T+0
Settlement to operator virtual account via regulated partners
6+
Currencies on Virtual Named Accounts: USD, EUR, GBP, AED, MXN, BRL
Payment Flow
Consumer at POS
NOXXO Technology Layer
Operator Treasury

← scroll to view full flow →

Payment Initiator
Consumer at POS
Stablecoin payment at checkout: kiosk, counter, mobile order, in-seat
USDC
USDC Payment
NOXXO Technology Layer
Compliance
KYC / KYT Screening
AML and on-chain transaction screening on every payment
USDC
via regulated partner
Cleared
Off-Ramp
USDC → USD
Stablecoin off-ramp and fiat conversion to USD
USD
via regulated partner
Fiat Settlement
~0.50%
Named Account
Virtual Named Account
Per-operator or per-brand USD virtual IBAN via regulated partner
USD
via regulated partner
ACH / Wire Sweep
Beneficiary
Operator Treasury
Fiat settles to operator bank account via ACH, Wire, or SWIFT
USD
Total Transaction Cost
<1%
Off-ramp + KYT + virtual account, all-in
Products Included in This Offer
Embedded Off-Ramp
USDC to Fiat Conversion
Stablecoin-to-fiat off-ramp via licensed third-party partners. Operators receive USD directly. No stablecoin exposure post-acceptance. Auto-sweep to operator bank account available.
  • USDC accepted at POS, fiat delivered to operator account
  • T+0 settlement via regulated partner
  • FX rates locked at execution time
  • Supports auto-sweep to operator bank account
All conversions via regulated partner
Virtual Named Accounts
Per-Operator Settlement Accounts
Permanent virtual IBANs and local account numbers in 6+ currencies via API through regulated partners. Assign one account per brand, franchise group, or venue for independent reconciliation.
  • USD (ACH / Wire / SWIFT), EUR, GBP, AED, MXN, BRL
  • Unique named account per operator or brand
  • Multi-unit reconciliation with on-chain references
  • No local entity required to receive funds
All accounts via regulated partner
KYC / KYT / AML
Built-in Compliance Screening
Every transaction passes through KYC/KYT and AML screening via regulated partners. Automatically routed by NOXXO's technology layer. No separate compliance build required by the POS partner.
  • On-chain transaction screening (KYT) on every USDC payment
  • AML checks via licensed compliance partner
  • Included in every NOXXO-connected flow
  • Full audit trail maintained for regulatory reporting
Screening via regulated partner
Pay-In / Pay-Out Network
Global Scale as You Grow
As the operator network expands internationally, NOXXO's Pay-In/Pay-Out layer covers 100+ countries via bank transfers, mobile wallets, and stablecoins through regulated partners. One integration, expandable globally.
  • 100+ countries via direct local banking integrations
  • Multi-currency collection and disbursement
  • Interbank FX rates, no hidden markups
  • New corridors activated without re-integration
All flows via regulated partner
Pricing
Component Structure Total Rate
USDC Off-Ramp to USD Fiat Per transaction, via regulated partner ~0.30 – 0.50%
KYC / KYT Screening Per transaction Included
Virtual Named Account (USD) Per account, monthly To be agreed
ACH / Wire Outbound Sweep Per sweep, via regulated partner Included
Total per transaction <1%
All rates shown are the total all-in cost to the client and are charged by the regulated third-party institutions facilitating each service. Rates are subject to volume and corridor confirmation. Virtual Named Account monthly fees are quoted separately per account. All rates exclude applicable taxes.
Key Terms

Commercial and Technical Terms

Next Steps
01
Flow and Scope Confirmation
Confirm USDC issuer (e.g. Circle), target operator geographies, expected transaction volumes, and whether multi-currency virtual accounts are required. This allows NOXXO to finalise regulated partner selection and confirm pricing.
02
KYC / KYB Onboarding
Submission of required compliance documentation for the POS/KDS partner entity. Individual operator onboarding is handled downstream via NOXXO's technology layer and regulated partners.
03
Technical Integration
API integration planning with the POS/KDS development team. NOXXO provides sandbox environment access, technical documentation, and dedicated integration support for the initial rollout.
04
Service Agreements
Execution of the NOXXO Service Order Form (SOF), master services agreement, and agreements with the regulated partners facilitating off-ramp, virtual account, and compliance services.
Confidential
Noxxo LTD (Noxxo) provides technology infrastructure only and does not offer regulated financial services or handle funds. Noxxo does not accept, transmit, hold, safeguard or control funds or other assets. All financial services are provided by third-party institutions that are duly licensed or regulated in their applicable jurisdictions. All fees and charges referenced in this document are levied by those regulated third-party institutions and represent the total all-in cost to the client. Nothing on this document constitutes, or should be relied upon as, an offer, solicitation or promotion of financial services in any jurisdiction.