Sponsored by tier-one banks
Backed by regulated, tier-one banking partners that sponsor our rails.
The Future Of Money
Sovereign Banking Infrastructure
For Global Enterprises.
Move money across rails, convert at institutional rates,
earn on idle cash, and see every dollar in one place.
Non-Custodial By Design
We Orchestrate. You Custody.
Capital Never Leaves Your Name.
100%
yours.
0%
ours.
Unified Balance
% · Past 30 days · Across 4 accounts
Your accountsDirect, in your name
Lara
HSBC London
Standard Chartered
Santander
Non-custodial
We orchestrate your accounts. We never take custody of your funds.
24/7 customer support
Get help any time, from anywhere, with a team that’s always on.
Cross-Border Rails
Make MoneyMove For Less.
Save up to 90% on every cross-border transfer.
Connect Once.
Orchestrate Everything.
Link the tier-one accounts you already hold. Nothing moves. Nothing migrates.
Define approvals, thresholds, and routing rules. Every transfer follows your policy automatically.
Route across banking and stablecoin rails from one balance, always the fastest, cheapest path.
Sponsored Banking
Two Ways In. One Rule: The Account Is Yours.
Bring the banks you already hold, or open new ones through our sponsored-banking program.
Funds sit in accounts titled in your name, on your balance sheet.
OPTION ONE
Bring your banks
Connect the tier-one accounts you already hold. Nothing moves, nothing migrates.
OPTION TWO
Borrow our relationships
No tier-one account yet? Our sponsored-banking program opens named accounts at tier-one partner banks, in your name, on your balance sheet. We introduce. You own.
Established tier-one relationships, opened in your name. We introduce the bank. You hold the account, the funds, and the control. The non-custodial promise never bends.
Your money, looked after
Stop Leaking Capital To Fees. Start Making It Compound.
Move money instantly
Funds land across your own accounts in near real time. No multi-day SWIFT delays.
Book a call
Real-time
settlement
180+
currencies
Secure
& compliant
Convert at cost
Institutional rates on every currency. The spread stays yours.
Book a call
0 bps
markup
Institutional
pricing
Transparent
& fair
Earn 3.20% yield
Access high liquidity, lower risk portfolios powered by tier-one banks.
Book a call
High liquidity
on demand
Lower risk
by design
Tier-one
banks
Key Benefits
Your Finances, Fully Sovereign.
One Live View
Total visibility
Every account, every rail, every dollar in one live view.
Use Cases
Built For Everyone Moving Money At Scale.
Five kinds of builders. One layer.
MSBs
Money services businesses
Move money across jurisdictions, licensed and compliant.
40+ jurisdictions
ENTERPRISES
Global enterprises
Run one treasury across every entity and currency.
One Treasury View
PSPs
Payment service providers
Orchestrate settlement across rails and regions.
Every Rail, One Flow
Trust
The Rails Banks Run On.
The custody, compliance, and controls of a tier-one bank. Regulated where it counts,
with licensed partners executing in the jurisdictions that require it.
CUSTODY
Tier-one backed
Your capital stays at regulated, tier-one banks.
ARCHITECTURE
Non-custodial architecture
We orchestrate movement. We never take custody.
GOVERNANCE
Audit-ready governance
SOC 2 posture, full audit trail, controls by design.
Security
Protected At Every Layer.
Banks and views (4)
2 minute setup
$0 movedConnect
Link the tier-one accounts you already hold.
Nothing moves. Nothing migrates.
12 rules active
New rule
Set Policy
Define routing, FX thresholds, yield rules,
and approvals once.
Orchestrate
OnyxRails executes across every rail.
You watch every dollar in one view.
Estimate your savings
See What You’re Leaving On The Table.
See what your current setup costs you, then find out what you could keep.
USD21,566,500
EUR
EURECB reference rate · 1 USD = 0.8627 EURPublished by the ECB on 11 Sep 2026. Indicative only. Rates move,
so confirm the applicable rate before you transact.
You pay today
at your % bank FX margin
$312,500
You could keep up to
up to 90% of it, every year
$281,250
Your bankOnyxRails
Settlement2 to 5 daysSeconds
FX rateMarked upInstitutional
RailsSWIFT onlyBank and stablecoin
Your figure, from your own volume and margin. What you keep depends on your corridors, volumes and how your setup is built, so we price each client individually and set it out in your MSA rather than on a web page. A short call gets you a real number.
Frequently
Asked Questions
Answers, built to be cited.
No. OnyxRails is infrastructure. We orchestrate movement across the regulated banks you already own, and never hold or move your funds.
At your own tier-one bank accounts. Always. Capital never leaves them.
Usually not. Most clients move through their own accounts and licenses, and OnyxRails is purely the orchestration layer. When a market requires a license you do not hold, licensed strategic partners execute across major markets. OnyxRails orchestrates. It never touches the funds.
A scoped pilot quantifies your leakage under NDA, then proves savings on live rails.
Our sponsored-banking program opens one at a tier-one partner, titled in your name, under your control. OnyxRails never holds the funds.
Licensed strategic partners, money transmitters and payment institutions in the relevant market. OnyxRails orchestrates. It never touches the funds.
Roughly $3 to 5M in the US, $7 to 10M and up across regions, and about 18 months. OnyxRails is the layer, ready now.