Accurate fund flow and fee structure for Indian entity corridors — all NOXXO charges shown per stage
NOXXO technology layer — no funds held or controlled
Regulated financial institution / banking rail
End beneficiary
NOXXO does not offer INR pay-in. The Indian entity must convert INR to USD independently (e.g. via their local bank or a partner like Finigenie) and deposit USD directly into NOXXO via SWIFT. NOXXO's role begins at USD receipt.
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INR Partner
Finigenie
Collects INR from client, converts to USD at their bank
INR
INR → USD (partner bank)
Not NOXXO
NOXXO TECHNOLOGY LAYER
USD Deposit
NOXXO Receives USD
USD deposited via SWIFT into NOXXO account
USD
via licensed partner
Convert to USDC
0.50% total
Stablecoin Rail
USDC Bridge
USD converted to USDC for routing
USDC
via licensed partner
USDC → USD SWIFT
Included
SWIFT Payout
USD Sent to Egypt
USDC redeemed, USD wired via SWIFT
USD
via licensed partner
USD via SWIFT
T+1
Beneficiary Bank
Egyptian Bank
Receives USD via SWIFT, credits account
USD / EGP
Account Credit
Beneficiary
Egyptian Recipient
Funds received in USD or converted locally to EGP
EGP
Total NOXXO Fee — All Stages
0.50%
USD deposit → USDC → USD SWIFT payout to Egypt
USD Deposit
Included
USD → USDC
Included
USDC → USD
Included
SWIFT Payout
Included
Fee Breakdown
All-in NOXXO Fee
0.50%
Covers all stages from USD receipt to EGP payout
Example: $50,000
$250
Total NOXXO cost on a $50k transfer
INR Conversion
Not NOXXO
Handled by Finigenie or client's local bank
Settlement
T+1
USD delivered via SWIFT to Egyptian bank
Flow 01 — Notes
NOXXO does not accept INR — Finigenie (or another local partner) handles the INR collection and converts to USD at their bank before depositing into NOXXO via SWIFT
NOXXO receives USD, converts to USDC internally for routing efficiency, then redeems USDC back to USD for SWIFT payout to Egypt
The full 0.50% fee covers all NOXXO-owned stages: deposit processing, USDC conversion, and USD SWIFT payout to the Egyptian bank
EGP conversion (if needed) is handled within Egypt's local banking system — outside NOXXO's scope
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Payer
US Entity
Sends USD via ACH or SWIFT wire
USD
USD Wire or ACH
0.35%
NOXXO TECHNOLOGY LAYER
Virtual Account
Named USD Account (US)
Issued to Indian entity. Collects USD via SWIFT or ACH
Named USD account issued in the US under Indian entity
USD Collection
0.35%
Per USD received via SWIFT or ACH
INR Payout
0.90%
USDC to INR conversion and settlement
Example: $50,000
$625
0.35% + 0.90% on $50k + $10 account fee
Flow 02 — Notes
NOXXO issues a named USD virtual account in the US under the Indian entity's details — the US payer sends via standard ACH or wire with zero changes to their workflow
0.35% is charged on USD collected into the virtual account (via SWIFT or ACH)
Funds are converted to USDC internally for routing, then settled as INR into India at 0.90%
INR hits the Indian bank account same-day via RTGS — no SWIFT lifting fees on the India side
Virtual account fee is a flat $10/month regardless of transaction volume
NOXXO does not handle INR to USD conversion. The Indian entity deposits USD directly into NOXXO via SWIFT. FX from INR to USD is handled by the client before engaging NOXXO.
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Sender
Indian Entity
Deposits USD via SWIFT. INR→USD done externally.
USD
USD via SWIFT
0.30%
NOXXO TECHNOLOGY LAYER
USD Deposit
NOXXO Receives USD
Deposit accepted via SWIFT
USD
via licensed partner
USD → USDC
Included
Stablecoin Rail
USDC Bridge
USD converted to USDC for cross-currency routing
USDC
via licensed partner
USDC → CNY Payout
1.00%
CNY Payout
USDC → CNY Settlement
Converts USDC to CNY, routes via CIPS
CNY
via licensed partner
CNY via CIPS
T+1
Beneficiary Bank
Chinese Bank
Receives CNY via CIPS or correspondent
CNY
CNY Credit
Beneficiary
Chinese Recipient
CNY landed in local bank account
CNY
Total NOXXO Fee — All Stages
0.30% + 1.00%
0.30% USD → USDC · 1.00% USDC → CNY payout
USD Deposit
Included
USD → USDC
0.30%
USDC → CNY
1.00%
Example: $50k
$650
Fee Breakdown
USD → USDC
0.30%
Charged on USD deposit and conversion to USDC
USDC → CNY Payout
1.00%
USDC to CNY conversion and CIPS delivery
Example: $50,000
$650
0.30% ($150) + 1.00% ($500) on $50k
Settlement
T+1
CNY delivered via CIPS to Chinese bank
Flow 03 — Notes
NOXXO does not convert INR to USD — the Indian entity handles this conversion externally before depositing USD into NOXXO via SWIFT
0.30% is charged on USD receipt and conversion to USDC — this is NOXXO's on-ramp fee
1.00% is charged on the USDC to CNY payout — this covers the cross-currency conversion and CIPS delivery into China
CNY routes via CIPS (China's cross-border interbank payment system) or a correspondent bank with onshore CNY access
Total blended cost of 1.30% compares favourably to typical bank rates of 2.5–4% for the India-China corridor