The MXI Delta Wallet is a global digital wallet and payment gateway that lets users send, receive, and manage money across countries and currencies through a single, secure interface. It connects directly with global banking systems and blockchain-based infrastructure, bringing cross-border payments and digital assets together in one easy-to-use platform with global access and secure digital custody.

MXI Delta Wallet works with major global banking systems—including ACH, Wire, SPEI, PIX, and SEPA—and connects directly to blockchain networks via USDC. This makes it easy to move money between banks and crypto, allowing users to on-ramp and off-ramp digital assets while managing payments across the United States, Mexico, Brazil, and Europe from a single wallet.

The wallet uses USDC, a secure digital dollar, as the core way value is held and moved. USDC is a fully reserved stablecoin that combines the stability of the U.S. dollar with the speed and reliability of blockchain technology, enabling funds to move quickly and securely between traditional payment systems and crypto networks.

MXI Delta Wallet gives individuals and businesses one place to manage global money, combining traditional banking, blockchain access, and multi-currency support into a practical and powerful digital wallet. By bringing these systems together, users gain greater control over how their money is held, moved, and used—allowing them to act independently and participate more directly in the global financial system through a single, connected wallet.

For personal accounts, just verify your identity and your main source of funds.

For business accounts, provide your company documents and let us know how you plan to use the account.

The process is fast and straightforward.

MXI employs a multi-layered security and risk-management architecture designed to meet institutional expectations for operational integrity and data protection. All user activity—across both organizational and individual accounts—is secured through bank-grade encryption, enforced multi-factor authentication, continuous monitoring, and adherence to global KYC/AML regulatory standards.

The platform maintains segregated connections to regulated financial institutions, ensuring that account data, payment instructions, and settlement flows remain within controlled and compliant environments. MXI's infrastructure follows strict access-control policies, audit logging, and industry-standard best practices for data governance and operational security.

For USDC transactions, MXI leverages blockchain-based verification and immutability, enabling each transaction to be validated, timestamped, and permanently recorded on a tamper-resistant ledger. This provides real-time transparency and verifiable auditability that complements traditional financial-system safeguards.

Through the combination of regulated banking infrastructure, institutional security controls, and the cryptographic assurance of blockchain technology, MXI offers a comprehensive, end-to-end security framework designed to protect financial data, maintain system integrity, and ensure secure value transfer across all supported jurisdictions.

You can withdraw in multiple ways depending on your needs:

Fiat withdrawals:

ACH or Wire (USD)
SEPA (EUR)
SPEI (MXN)
Pix (BRL)
Digital asset withdrawals:

USDC to any supported chain (Solana, Base, Polygon, and more)
Transfers to exchanges or self-custody wallets
MXI gives you complete flexibility to move money where and how you want.

MXI Delta Wallet does not directly custody customer funds.

Customer balances are safeguarded through MXI's network of regulated banking institutions and licensed financial partners across the United States, Europe, Mexico, and Brazil. Funds remain with these regulated entities in segregated or safeguarded accounts in accordance with applicable regional banking and payments regulations.

Fiat currencies are maintained as follows:

USD — maintained with Lead Bank, a U.S.-chartered bank and Member FDIC. USD balances are held in designated customer accounts under U.S. banking supervision and applicable federal regulatory standards.

EUR — held with Banking Circle S.A., a Luxembourg-based credit institution authorized and regulated by the Commission de Surveillance du Secteur Financier (CSSF). Banking Circle provides SEPA connectivity and euro settlement services within the European payments area.

MXN — processed through licensed Mexican financial institutions participating ma de Pagos Electrónicos Interbancarios (SPEI), Mexico's domestic real-time payment system operated and overseen by Banco de México.

BRL — supported through regulated Brazilian financial institutions participating in PIX, Brazil's instant payment infrastructure supervised by the Central Bank of Brazil (Banco Central do Brasil).

Digital assets

Digital assets, including USDC balances, are safeguarded through institutional-grade custody providers. MXI utilizes Bridge, a Stripe company, for stablecoin custody and digital asset infrastructure. Bridge operates under enterprise-level security standards, regulatory compliance frameworks, and operational risk controls appropriate for institutional digital asset custody.

All partners operate under applicable banking, payments, anti-money laundering (AML), and counter-terrorist financing (CTF) regulations within their respective jurisdictions. Customer funds are not commingled with MXI operating funds.

MXI's role is limited to providing the technology platform, orchestration, and global connectivity that enable customers to manage, move, and access funds across currencies and regions.

This structure combines regulated financial institutions, established payment networks, and institutional digital custody providers within a unified, modern financial interface.

Yes — MXI uses blockchain technology, but in a way that is seamless, secure, and easy to use for both individuals and organizations. You don't need to be a crypto expert to benefit from it.

Today, the Delta Wallet supports USDC digital dollars, giving users the stability of traditional currency with the speed, transparency, and auditability of blockchain settlement.

However, blockchain is more than just a payment option for MXI — it is a core part of our long-term strategy. MXI uses blockchain as a connector and efficiency layer, helping unify global financial systems that have historically been fragmented across regions, currencies, and institutions.

As MXI continues to evolve, the platform is actively developing new blockchain-enabled capabilities, including:

Institutional-grade DeFi tools
A privacy-preserving transaction layer
A self-custody wallet powered by the XRP Ledger (XRPL)
Advanced cross-chain interoperability and settlement options
MXI sits at the intersection of traditional finance and Web3, combining the reliability of regulated banking infrastructure with the innovation and efficiency of decentralized networks.

The result is a platform designed to deliver greater access, faster settlement, enhanced transparency, and more control—all while remaining intuitive and compliant.

Yes—but with far more power.

You can:

send/receive fiat
send/receive stablecoins
pay domestically
transact globally
store digital assets
move funds across chains
manage multiple currencies
It works like a traditional wallet, an international bank account, and a blockchain wallet—all fused into one platform.

Yes. Businesses can access multi-currency accounts, cross-border rails, stablecoin treasury tools, and fast settlement mechanisms.

MXI is ideal for startups, SMEs, global freelancers, Web3 companies, and international operations.

Fees vary by network and transaction type.

Some transfers are free (such as certain blockchain transactions), while other payment rails like wires or SEPA may carry network or partner fees.

Fee transparency is built into every step before you confirm a transaction.

Yes. MXI operates as a regulated financial technology provider. MXI works exclusively with licensed and regulated financial institutions, and the platform complies with all applicable KYC, AML, and international payment regulations across the jurisdictions in which it operates.

While MXI is not a bank, it connects users to regulated banking partners for fiat services and to trusted, institutional-grade custodians for digital asset storage.

MXI is registered with the U.S. Financial Crimes Enforcement Network (FinCEN) as a Money Services Business (MSB).

Its registration can be verified directly through FinCEN's public MSB registry at:
https://www.fincen.gov/resources/msb-state-selector

MSB Registration Number: 31000308454158

Registered Entity: Monerex LLC

This regulatory framework helps ensure that MXI operates with transparency, oversight, and the security standards expected of a modern, compliant financial services platform.