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VESTONIX

Financial infrastructure for business

Collect.
Manage.
Move.

One financial platform for your business.

Accept payments, manage business funds and move money locally or across borders through one unified financial infrastructure layer.

Vestonix connects businesses to traditional and digital financial rails through regulated financial partners — one integration across local and international money movement.

Customer
$10,000
Vestonix
Business balance
$1,284,520.43
GlobalNetworkDigital

Diagram: a customer payment enters Vestonix, becomes a business balance, and is then routed onward to a local bank, a global bank, a payment network, FX and settlement, a digital rail or a local payout.

  1. Collect

    Customer pays

  2. Manage

    Funds held and reconciled

  3. Move

    Local, global or digital rail

01
From customer payment to global settlement.
02
Built for markets where traditional banking falls short.
03
Local where it matters. Global where you need it.
04
One integration. Multiple financial rails.
The money journey

One platform. Every step of the money journey.

Money enters your business, is held and reconciled in one place, and leaves through the rail that fits the destination. The same platform carries it the whole way.

01

Collect

Take payment wherever your customer is.

Accept customer payments in person, online and through your own product, using the methods people already trust in each market.

  • Payment terminals
  • Online checkout
  • Card acceptance
  • Payment links
  • Local payment methods
  • API integrations
02

Manage

Hold one clear view of business funds.

Every payment lands in a structured multi-currency ledger, so balances, settlements and reconciliation stay legible as you grow.

  • Balances
  • Transactions
  • Settlements
  • Currencies
  • Beneficiaries
  • Reporting
  • Reconciliation
03

Move

Send funds onward, locally or across borders.

Route money to suppliers, partners and beneficiaries through traditional and digital financial rails from a single integration.

  • Local transfers
  • International transfers
  • Supplier payments
  • Global payouts
  • FX conversion
  • Digital settlement rails
Collect

From the moment your customer pays.

Acceptance is the first link in the chain. Vestonix takes the payment in the channel your customer expects, then carries the value straight into your business funds — no separate reconciliation step between the two.

  • POS terminals
  • Online checkout
  • Card acceptance
  • Payment links
  • Recurring payments
  • Local payment methods
  • Merchant API

Acceptance capabilities may be delivered through integrated payment providers and regulated financial partners, depending on the market.

Acceptance to available fundsIllustrative flow

  1. Terminal

    In-person card and contactless acceptance.

  2. Checkout

    Hosted and embedded online payment pages.

  3. Payment link

    Shareable request for one-off collection.

  4. Merchant API

    Direct integration into your own product.

VESTONIX

Business funds

Available to move

Manage

Business funds, in one legible place.

Balances, currencies, settlements and beneficiaries live in a single ledger. What arrived, what is moving and what is still pending stays readable as volume grows.

Multi-currency ledger
Balances held and reported per currency, not flattened into one.
Settlement visibility
See what has landed, what is in flight and what is pending.
Reconciliation built in
Every movement carries the references your finance team needs.
VESTONIX

Available balance

$1,284,520.43

US Dollar

684,230.18 USD

Share53%

Money in

+$427,350

Money out

−$186,200

Pending settlement

$38,400

Recent activity

Streaming

  • Customer payment

    Checkout · card

    Completed

    +$12,480

  • Supplier payout

    Beneficiary · Lagos

    Settling

    −₦46,200

  • FX conversion

    USD → EUR

    Converted

    −$85,000

  • International transfer

    Beneficiary · Nairobi

    Routing

    −$23,750

  • Settlement

    Batch · payment network

    Completed

    +$96,310

Illustrative product interfaceFigures are examples used to show interface structure, not customer balances.
End to end

Payment to settlement, without leaving the platform.

Follow one transaction through the platform. Change the amount or the destination and watch the same sequence adapt.

  1. 01PaymentA customer payment is accepted and recorded against your business.
  2. 02BalanceThe value becomes a usable balance rather than a pending report line.
  3. 03TransferYou instruct a payout; Vestonix resolves how it should travel.
  4. 04SettlementThe beneficiary is credited and the ledger closes the loop.
Incoming payment
Payout destination

Vestonix balance

$248,400.00

Ready

  1. Customer pays

    $5,000 received through checkout

  2. Balance updated

    Funds recorded in the multi-currency ledger

  3. Pay supplier

    Transfer initiated to Supplier · Lagos

  4. Routing

    Rail evaluated and selected — Local payment rail

  5. Compliance checks

    Screening and monitoring applied to the transaction

  6. Settlement

    Instruction sent for Supplier · Lagos

  7. Completed

    Beneficiary credited, ledger reconciled

Client-side simulationSequence shown for explanation. No settlement times are implied.
Global money movement

Move money beyond borders.

One platform connecting businesses to local and international financial infrastructure. Vestonix coordinates the providers, currencies and routes behind each corridor so your integration stays the same as your footprint grows.

Example corridors

  • London → Lagos
  • Dubai → Nairobi
  • New York → Accra
  • Paris → Abidjan
  • Johannesburg → Dubai
Visual examples, not live availability
LONDONLAGOSDUBAINAIROBINEW YORKACCRAPARISABIDJANJOHANNESBURG
Cross-border

Move money across borders without rebuilding your financial infrastructure.

Add a corridor, a currency or a payout market without re-plumbing your finance stack. The integration you already have keeps working.

  1. 01

    Your account

    Source currency

  2. 02

    Vestonix

    Ledger and routing

  3. 03

    FX

    Conversion when required

  4. 04

    Local settlement

    Destination currency

Multi-currency

Hold and reconcile in several currencies.

Cross-border transfers

One integration across corridors.

FX conversion

Convert as part of the payment flow.

Supplier payments

Pay vendors on their local rails.

Global payouts

Disburse to many beneficiaries.

Local settlement

Land funds through local infrastructure.

Beneficiary management

Reusable, validated destinations.

Transfer tracking

Status from initiation to settlement.

Smart routing

Technology is the rail. Money movement is the product.

For every instruction, Vestonix weighs the available rails against the destination currency, reach and controls — then commits the route. You integrate once; the orchestration happens behind it.

Rail availability depends on the market, the regulated partners involved and the requirements of each corridor. The evaluation shown here is a visual model of how routing decisions are framed.

From

United States

USD

To
Amount

Rail evaluation

Evaluating…

Bank railCorrespondent and partner banking infrastructure.
Speed
Avail
Cost
Ccy
Checks
Local payment railDomestic payment infrastructure in the destination market.
Speed
Avail
Cost
Ccy
Checks
Digital settlement railModern settlement technologies via regulated providers.
Speed
Avail
Cost
Ccy
Checks
Awaiting evaluation

Vestonix compares the available rails for this corridor before committing the instruction.

Illustrative orchestration — no fees or settlement times shown
Complex markets

Built for markets where traditional banking falls short.

Vestonix is designed to connect businesses across markets where financial infrastructure can be fragmented, slow or difficult to access — without treating those markets as an exception.

Local connectivity

Integration with local payment and financial infrastructure.

Money lands and leaves through the infrastructure that already works in each market, rather than forcing every corridor through one route.

Alternative settlement rails

Modern settlement technologies when appropriate.

Where traditional routes are constrained, regulated digital settlement infrastructure can carry value between markets.

Global orchestration

One platform coordinating providers, currencies and routes.

A single integration abstracts the providers behind it, so adding a market does not mean rebuilding your financial operations.

Africa

Built for Africa. Connected to the world.

Vestonix helps connect local financial ecosystems with the global economy through local payment infrastructure, international money movement and modern settlement rails — in both directions.

Global funds in

  1. Global funds
  2. Vestonix
  3. Local payout

International businesses fund local disbursement — paying suppliers, partners and workforces through local payment infrastructure.

Local funds out

  1. Local collection
  2. Vestonix
  3. Global settlement

Businesses collecting locally settle outward into international accounts and currencies through connected financial rails.

Africa is a focus, not the boundary. The same platform and the same integration serve businesses operating anywhere Vestonix connects.

Regional infrastructure mapIllustrative network
LAGOSACCRACAIRONAIROBIJOHANNESBURGGLOBAL FUNDS INGLOBAL SETTLEMENT OUT
Digital assets

Digital assets, integrated into real-world finance.

Vestonix can integrate regulated digital-asset infrastructure and stablecoin settlement rails to improve speed, reach and efficiency where appropriate — as one component of a broader financial platform.

Fiat → settlement asset → fiat
LOCAL CURRENCYSETTLEMENT ASSETDESTINATION CURRENCYVERIFIED

Technology is the rail. Money movement is the product.

Capabilities

Stablecoin settlement
Value transfer between markets using regulated infrastructure.
Fiat-to-digital conversion
Move from local currency into a settlement asset.
Digital-to-fiat settlement
Land value back into local currency accounts.
Wallet payouts
Disburse to supported digital wallet destinations.
Blockchain verification
Cryptographic confirmation of settlement events.
Regulated provider integrations
Custody and conversion through licensed partners.

Digital-asset capabilities are delivered through regulated providers, including custody and conversion partners, and depend on the requirements of each market. Vestonix is not a cryptocurrency exchange and does not offer investment products.

Developers

One integration. Multiple financial rails.

Describe the movement you want — amount, currency, destination. Vestonix resolves the providers, conversion and settlement behind a single, predictable interface.

  • Predictable REST resources
  • Idempotent requests
  • Typed SDK surface
  • Signed webhooks
  • Sandbox environment
  • Structured error codes
transfers.tsTypeScript
const transfer = await vestonix.transfers.create({  amount: 25000,  currency: "USD",  destination: {    country: "NG",    currency: "NGN"  },  reference: "INV-4417",});

Transfer created

201
Amount
$25,000.00
Destination
Nigeria · NGN
Reference
INV-4417
Status
Processing

Webhook events

  • transfer.created
  • transfer.routing
  • transfer.compliance_cleared
  • transfer.settled
Product visualisationInterface shown to illustrate the intended developer experience.
Platform architecture

Vestonix is the abstraction layer.

Beneath one integration sits the machinery money movement actually requires. You build against the platform; the platform handles the providers, currencies and rails behind it.

Vestonix financial infrastructureOne integration
  1. PaymentsAcceptance across terminals, checkout, links and API.
  2. OrchestrationProvider selection, retries and transaction lifecycle.
  3. ComplianceScreening and monitoring applied to every movement.
  4. LedgerMulti-currency, double-entry record of every balance.
  5. RoutingRail evaluation against currency, reach and controls.
  6. SettlementInstruction, confirmation and reconciliation.
Banks
Payment networks
Digital assets

Connections to banks, payment networks and digital-asset infrastructure are made through regulated financial partners.

Compliance

Compliance built into every transaction.

Controls are part of the movement, not a step bolted on afterwards. Vestonix applies integrated compliance infrastructure and works with regulated partners who perform the functions their licences cover.

TransactionSettlement
KYB / KYC
Business and individual identity verification at onboarding.
AML
Anti-money-laundering policy applied across the platform.
Sanctions screening
Parties screened against applicable lists.
Transaction monitoring
Behavioural review of money movement over time.
Wallet screening
Risk assessment of digital-asset destinations.
Risk controls
Configurable limits, approvals and blocking rules.
Audit trail
Immutable record of decisions and state changes.

Specific regulated functions may be performed by licensed partners. Requirements vary by market and are assessed for each corridor.

Platform

Build financial products on Vestonix.

Payment companies, marketplaces and platforms can use Vestonix as the financial layer underneath their own product — onboarding merchants, accepting payments, holding balances and settling onward through the same infrastructure.

Presented as platform capability and infrastructure direction. Availability of individual capabilities depends on market, onboarding and the regulated partners involved.

API infrastructure

Programmatic access to the platform.

Merchant onboarding

Structured verification workflows.

Payments

Acceptance across supported channels.

Transfers

Local and cross-border money movement.

Balances

Multi-currency ledger accounts.

Payouts

Disbursement to beneficiaries.

Settlement

Instruction and confirmation flows.

Webhooks

Event delivery into your systems.

Reporting

Reconciliation and financial reporting.

One platform. From payment to settlement.

Your money shouldn’t stop at borders.

Build faster financial operations across local, international and digital rails.